ARE YOU REQUIRED TO HAVE FLOOD INSURANCE?
Do you believe your property is located outside of the designated 100-year
flood plain, also known as the 1% annual chance flood plain ?
YOU HAVE CHOICES !!
A LOMA / e-LOMA or LOMR-F completed by a Professional Land Surveyor,
officially requests FEMA to determine the location of your property
relative to the Special Flood Hazard Area (SFHA).
REMOVE STRUCTURE FROM FLOOD INSURANCE REQUIREMENT
You can remove the house ONLY and not the land surrounding the house. If the Flood Insurance Rate Map (FIRM) shows any part of your property in the 100 year flood zone, but the elevation of the house and ground immediately adjacent to the foundation is above the Base Flood Elevation (BFE), the flood insurance requirement can be removed for the structure.
However – this does not allow for any changes on the property such as adding a garage, room addition, shed, etc. A new flood elevation determination will be needed every time you add or change a structure.
REMOVE ENTIRE PARCEL FROM FLOOD INSURANCE REQUIREMENT
Is any part of your property in the flood zone as shown on the FIRM? If the elevation of the entire parcel is above the BFE, the entire property can be removed from flood insurance requirements. Building permits can be issued with an approved LOMA/e-LOMA.
REMOVE A PORTION OF PROPERTY FROM FLOOD INSURANCE REQUIREMENT
The FIRM shows part of your property is in the flood zone. Only part of the property is below the BFE. The portion above the BFE can be released from flood insurance requirements with a LOMA survey. The LOMA process starts with a Topographical Survey to define the area above the BFE. We then write the legal description for the property areas outside the flood zone.
LOMA surveys can completely remove your structure and property or portion of property from the need for flood insurance. This permanent release stays with the parcel of land which can be a tremendous asset when selling your property.
DO I OR DON’T I PURCHASE FLOOD INSURANCE:
Have you or a neighbor had problems in the past with flood water in the house?
In a ‘questionable flood area’, we recommend keeping some level of flood
insurance coverage even if the structure is released from the flood insurance requirement.
Regular household insurance may not cover flood damage.
FLOOD INSURANCE TERMS AND DEFINITIONS
BFE – Base Flood Elevation
The 100-year flood level as defined by FEMA. No fill or changes in elevation are allowed within the flood zone unless the property permits have been issued by FEMA. Buildings can be placed within the flood zone as long as constructed with proper flood venting and proper construction permits.
FEMA – Federal Emergency Management Agency
FIRM – Flood Insurance Rate Map
d-FIRM Digital Flood Insurance Rate Map
Maps can be viewed at the ‘FEMA.GOV’ website. It shows the areas considered to be within the 100 year flood zone. Banks and mortgage companies use this to determine the requirement for flood insurance.
FLOOD ELEVATION CERTIFICATE Certifies to the elevation of the house and property immediately adjoining the structure. Elevation certificates are required prior to and after construction
of new structures within a flood zone depicted on the maps of record. Elevation Certificates will not remove your structure from flood insurance requirements, but helps the insurance company determine the actual rate based on the possibility of flooding.
FLOOD WAY- Designated area within a flood zone providing for the flow of water within the stream during normal flood conditions. Absolutely no structures are allowed within the flood way as depicted on the flood maps.
FLOOD ZONES - Geographic areas defined by FEMA showing varying levels of flood risk. A community’s FIRM or Flood Hazard Boundary Map details these flood risk zones. The severity or type of flooding is indicated for each zone.
LOMA – Letter of Map Amendment: If you are a homeowner and believe your property is not located in the designated 100-year floodplain [also known as a 1-percent-annual-chance floodplain, or Special Flood Hazard Area (SFHA)],
as shown on the effective Flood Insurance Rate Map or Digital Flood Insurance Rate Map for your community and you would like the Federal Emergency Management Agency (FEMA) to make an official determination regarding the location of your property
relative to the SFHA, you may request a Letter of Map Amendment (LOMA) or a Letter of Map Revision Based on Fill (LOMR-F).
e-LOMA – Electronically filed Letter of Map Amendment: This is a web based tool used by Professional Land Surveyors to apply for a LOMA. This can be used to remove a structure (house) or the entire property only. LOMA’s consisting of a portion of the property only must use the LOMA procedure.
SFHA - Special Flood Hazard Area
R B & ASSOCIATES CONSULTING, INC. - ALTA/ACSM Surveys, Boundary Surveys, Lot / Residential Surveys, Topographic Surveys, Permit Site Plans, LOMA and e-LOMA Surveys, Farm Surveys/Cut outs, As-built Surveys, Flood Elevation Certificates, Easement Plats, R.O.W. Plats, Maps for District Boundaries,
Computer Mapping, Construction Staking, Locating public utilities on Survey Plats, Preparation of Legal Descriptions,
Zoning Plats, Plats of Annexation, Subdivison Platting, Public GIS Services, Emergency GIS Services, Cemetery GIS Services, Cemetery Platting and layout, Copies for house plans and etc.,- Plano, IL. 60545