The Federal Emergency Management Administration (FEMA) has released updated flood maps to show which areas throughout Texas are at risk of flooding.
The new preliminary Flood Insurance Rate Map (FIRM) “indicates whether properties are in areas of high, moderate or low flood risk” with the help of updated flood modeling.
Property owners are urged to check the new FIRM to know if their property’s flood risk is higher or lower than they thought. FEMA says if an owner’s risk level changes then their flood insurance rates and requirements may as well.
The updated FIRM is still preliminary and has not yet been officially adopted.
FEMA’s National Flood Insurance Program
Through FEMA’s flood hazard mapping program, Risk Mapping, Assessment and Planning (MAP), FEMA identifies flood hazards, assesses flood risks and partners with states and communities to provide accurate flood hazard and risk data to guide them to mitigation actions. Flood hazard mapping is an important part of the National Flood Insurance Program (NFIP), as it is the basis of the NFIP regulations and flood insurance requirements. FEMA maintains and updates data through Flood Insurance Rate Maps (FIRMs) and risk assessments. FIRMs include statistical information such as data for river flow, storm tides, hydrologic/hydraulic analyses and rainfall and topographic surveys.
So What Does it Mean For You?
Depending on your property address, this may not affect you.
You can check if your address if affected by contacting your insurance agent or visiting third party sites like: [______flood web address_____].
What should I do next?
Residents or business owners whose flood zones have changed due to the FEMA updates to the FIRM are asked to fill out a survey to help FEMA identify areas to review.
Get in touch with your insurance agent to see if your area is affected. You may be surprised to find that your area, which has never been a flood zone, is now within one.
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