Flood Damage >> FEMA Map

If my community is not participating in the CRS, what can I do to have my community join? The decision to join the CRS is a voluntary action of a community's elected officials. As with many community actions, citizens can contact their local elected officials and encourage the community to consider learning more about FEMA Map joining the CRS. 

Additional technical assistance resources are available through 1-800-427-4661, which can provide further assistance about joining the CRS. The CRS website FEMA Map also provides additional contact information for technical assistance with applying for the CRS. 23. How can I learn more about the CRS? The CRS has an informative website, the "CRS Resource Center," at FEMA.

The CRS Resource Center provides introductory materials for the curious as well as technical materials for veteran CRS communities. 24. How can a community acquire the CRS Coordinator's Manual and other FEMA Map information describing the program? The CRS Coordinator's Manual, additional CRS publications, and software may be ordered online or by writing, phoning, or faxing a request to the NFIP/CRS. 

Contact information is listed in the "Additional Resources" section starting on page 52 of this book. All publications are free, and the computer software for completing the FEMA Map application is also available at no charge. 25. Who may purchase a flood insurance policy? NFIP coverage is available to all owners of eligible property (a building and/or its contents) located in a community participating in the NFIP. 

Owners and renters may insure their property against flood loss. Owners of buildings in the course of construction, condominium associations, and FEMA Map owners of residential condominium units in participating communities all may purchase flood insurance. Condominium associations may purchase insurance coverage on a residential building, including all units, and its commonly owned contents under the Residential Condominium Building Association Policy (RCBAP). 

The unit owner may separately insure personal contents as well as obtain additional building coverage under the Dwelling Form as long as the unit owner's share of the RCBAP and his/her added coverage do not exceed the statutory limits for a single-family dwelling. The FEMA Map owner of any condominium unit in a non-residential condominium building may purchase only contents coverage for that unit. 

How can property owners or renters find out if their community participates in the NFIP? NFIP coverage is available only in participating communities. Almost all of the nation's FEMA Map communities with serious flooding potential have joined the NFIP. The NFIP provides a list of participating communities in the Community Status Book. 

To learn if your community participates in the NFIP, refer to this list online at FEMA Map or contact your community official or insurance agent. 27. How can a property owner determine whether or not his or her property is in a Special Flood Hazard Area (SFHA)? FEMA Map provides mapped communities with a single paper map of their community. 

The maps are generally kept in community planning or building permit departments where they should be available for review. In addition, digital flood maps can be viewed on FEMA MAP's Map Information exchange (FMIX) website at FEMA map. Property owners can also contact their FEMA Map insurance agent, who usually has access to FEMA MAP maps or to a Flood Zone Determination service. 

What types of property may be insured against flood loss? Insurance may be written on any building eligible for coverage with two or more outside rigid walls and a fully secured roof that is affixed to a permanent site. Buildings must resist flotation, collapse, and FEMA Map lateral movement. The structure must be located in a community that participates in the NFIP. 

Manufactured (i.e., mobile, travel trailers without wheels) homes that are affixed and anchored to a permanent foundation are eligible for coverage. Contents coverage for personal belongings located within an FEMA Map eligible building can also be purchased. 29. What kinds of property are not insurable under the NFIP? 

Buildings entirely over water or principally below ground, gas and liquid storage tanks, animals, birds, fish, aircraft, wharves, piers, bulkheads, growing crops, shrubbery, land, livestock, roads, machinery or equipment in the open, and most motor vehicles are not insurable through the NFIP. 30. What is a Section 1316 designation and FEMA Map how does it impact flood insurance availability? 

A Section 1316 designation is given to buildings that are constructed or altered in such a way as to place them in violation of state or local floodplain management laws, regulations, or FEMA Map ordinances. Contents and personal property contained in these buildings are ineligible for coverage. NFIP flood insurance is not available for buildings with a Section 1316 designation. 

A community official may request that FEMA Map rescind the Section 1316 designation when the structure is determined compliant with the floodplain management laws, regulations, or ordinances. 31. How is flood insurance purchased? 

After a community joins the NFIP, a policy may be purchased from any licensed FEMA Map property insurance agent or broker who is in good standing in the state in which the agent is licensed or through any agent representing a Write Your Own (WYO) Company, including an employee of the company authorized to issue the coverage. 

The agent will complete the flood insurance application, obtain the proper supporting documentation required, and FEMA Map determine the rates for establishing the flood insurance premium. The steps to purchase flood insurance are as follows: Identify the flood zone in which the structure is located. 

Complete the flood insurance application. If required, FEMA Map obtain supporting documentation (i.e., elevation certificate, photos, zone determination). Submit the completed application, supporting documentation, and full premium to the insurer.

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