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					                                                 NOTICE
                Updated Flood Insurance Rate Maps
                         for Essex County
                                             Webpage updated 6/22/09


FEMA Revises Schedule for New Flood Insurance Rate Maps

The Federal Emergency Management Agency has revised their schedule for finalizing the updated Flood Insurance
Rate Maps for Essex County. Originally, FEMA anticipated that these maps would become effective in June 2009,
but in order to thoroughly review the appeals submitted during the Appeal and Protest period, FEMA has delayed
issuing the Letter of Final Determination by a year. Maps are now scheduled to become effective in June of 2010.


Flood Maps are Changing……..What You Should Know

The Federal Emergency Management Agency (FEMA) has recently completed a study which re-examined Essex
County flood zones and has developed preliminary revised detailed, digital flood hazard maps for the Town of
Swampscott. The proposed new maps -- also known as Digital Flood Insurance Rate Maps (DFIRMs) -- reflect
current flood risks, replacing maps that are over 25 years old. The reason these maps are produced is to provide
home owners, mortgage companies, insurance companies and agents and other interested parties information
specific to flood risk. Maps can be viewed on-line, see the links below, or at the following municipal offices:
Building Department and Public Works.

How will these changes affect you?

Some parcels in Swampscott may have been mapped into a higher risk zone, known as a Special Flood Hazard
Area (SFHA), and other parcels may have been mapped into a lower risk zone. The SFHA is the area that will be
inundated by the flood event having a 1% chance of being equaled or exceeded in any given year. The lower risk
zone area is the area that will be inundated by the flood event having a 0.2% chance of being equaled or exceeded
in any given year.

Parcels in a Special Flood Hazard Area (SFHA): If you have a mortgage from a federally-regulated lender and the
building(s) on this parcel are within the SFHA, then by federal law, your lender must require you to carry flood
insurance when these flood maps become effective. Flood insurance is available through the National Flood
Insurance Program (NFIP), a federally underwritten program provided by nearly 100 insurance companies and
written through licensed insurance agents. Contact your insurance agent to learn about lower-cost “grandfathering”
options offered by the NFIP for properties being mapped into higher-risk areas for the first time. If you do not have
a mortgage, FEMA still recommends that you purchase flood insurance, but you are not obliged to do so. Most
homeowners’ insurance policies do not provide coverage for damage due to flooding. For more information on flood
insurance, visit the National Flood Insurance Program’s website, www.floodsmart.gov *.

Parcels in Zone X: While flood insurance in these areas is optional, maintaining coverage is recommended by FEMA
as the flood risk has only been reduced, not removed. Lower cost flood insurance from the National Flood
Insurance Program (NFIP) is available in low- to moderate-risk areas and you may also qualify for the even lower
cost Preferred Risk Policy (PRP). Contact your insurance agent to learn more about how to convert to the PRP. For
more information on flood insurance, visit www.floodsmart.gov *.

If you feel there has been an error, you can file a Letter of Map Amendment (LOMA)

If you believe that your property has been included in the Special Flood Hazard Area (SFHA) in error, then FEMA
has established administrative procedures to change the designation for these properties on the effective FIRM.
These processes are referred to as the Letter of Map Amendment, or LOMA, process and the Letter of Map Revision
Based on Fill, or LOMR-F, process. Through these processes, an individual who owns, rents, or leases property may
submit certain mapping and survey information to FEMA and request that FEMA issue a document that officially
removes a property and/or structure from the SFHA. In most cases, the applicant will need to hire a Licensed Land
Surveyor or Registered Professional Engineer to prepare an Elevation Certificate for the property. Upon receiving a
complete application forms package, FEMA will normally complete its review and issue its determination in 4 to 6
weeks. Guidance information and determination requirements can be found at:
http://www.fema.gov/plan/prevent/fhm/fmc_loma.shtm or you can call the FEMA Map Assistance Center at 1-877-
336-2627.

Here’s where to go for more information.

       Swampscott Department of Public Works (DPW) is available to assist residents one-on-one and provide
        information at the Office of the Department of Public Works, 22 Monument Avenue, or by calling Victoria
        Masone at 781-596-2750.

       Swampscott DPW website: **insert DPW website here**

       Daisy Sweeney, FEMA Insurance Specialist: 617-832-4788/ daisy.sweeney@dhs.gov

       David Mendelsohn, FEMA Region 1: 617-832-4713/ david.mendelsohn@dhs.gov

       Richard Zingarelli, Massachusetts Department of Conservation and Recreation, Flood Hazard Management
        Program: 617-626-1406/ Richard.zingarelli@state.ma.us

       National Flood Insurance Program (NFIP), Flood Risk*, Insurance Policies, and finding an insurance agent:
        http://www.floodsmart.gov/floodsmart/

       FEMA website: http://www.fema.gov/hazard/flood/index.shtm

       If you have questions about filing an LOMA or LOMR-F, contact FEMA Map Assistance Center: 1-877-336-
        2627.

* Note: The tool entitled “One-Step Flood Risk Profile” on www.floodsmart.gov is based upon current 1982 flood
maps and does not reflect changes proposed in the Preliminary Flood Insurance Rate Maps. Review the maps
provided on the Swampscott DPW web site for proposed map information.


Additional Information

Flood Insurance Study (FIS)



Flood Insurance Information (FEMA)
The National Flood Insurance Program
Flood Insurance and Flood Map Fact Sheet
Answers to Tough Questions
Personal Property Coverage Fact Sheet
Saving of Flood Insurance - Information on Grandfathering Rule
Your Homeowners Insurance Doesn’t Cover Floods….
Flood Insurance Information
Information Meeting Power Point Presentation, 02-24-2009 (PDF)


Federal Register Notice
Proposed Flood Elevation Determination – Federal Register/Vol. 73, No. 98/Friday, May 16, 2008/Proposed Rule


FEMA Preliminary Flood Insurance Rate Map information
Flood Insurance Study (FIS) (abridged – Cambridge information only)
REVISED Flood Profiles - Wellington Brook

Flood Insurance Study (FIS) (Middlesex County, all jurisdictions)
Volume 1 – Flood Insurance Study
Volume 2 – Exhibit 1 - Flood Profiles – Aberjona River – Greens Brook
Volume 3 – Exhibit 1 - Flood Profiles – Guggins Brook – River Meadow Brook
Volume 4 – Exhibit 1 - Flood Profiles – Run Brook – Witch Brook
REVISED Floodway Data Tables
REVISED Flood Profiles

Maps – Exhibit 2 Flood Insurance Rate Maps (Cambridge maps only)

REVISED Map 1 - (25017C0418E) Includes a small area in Cambridge bordering with the Town of Belmont and
includes portions of the following neighborhoods: Cambridge Highlands and Strawberry Hill.

REVISED Map 2 - (25017C0419E) Includes an area bordering with the Town of Arlington and City of Somerville and
includes portions of the following neighborhoods: North Cambridge, Cambridge Highlands, Strawberry Hill,
Neighborhood 9 and Neighborhood 10.

Map 3 - (25017C0438E) Includes an area bordering with the City of Somerville and includes portions of the
following neighborhoods: North Cambridge, Neighborhood 9, Agassiz and Mid Cambridge.

Map 4 - (25017C0557E) Includes an area bordering with the Town of Watertown and the Charles River and
includes portions of Neighborhood 10.

Map 5 - (25017C0576E) Includes an area bordering with the Charles River and includes portions of the following
neighborhoods: Neighborhood 10, Mid-Cambridge, Cambridgeport, Area IV, Wellington Harrington and MIT/Area 2.

Map 6 - (25017C0577E) Includes an area bordering with the Charles River and Cities of Somerville and Boston and
includes portions of the following neighborhoods: MIT/Area 2, East Cambridge, Area IV and Wellington Harrington.

If you have difficulty locating your property on one of these maps, you can contact Cambridge DPW at 617.
349.4800.


Flood Insurance Information (FEMA)
The National Flood Insurance Program
Flood Insurance and Flood Map Fact Sheet
Answers to Tough Questions
Personal Property Coverage Fact Sheet
Saving of Flood Insurance - Information on Grandfathering Rule
Your Homeowners Insurance Doesn’t Cover Floods….
Mapping Information

FEMA Map Assistance Center – 1-877-336-2627 (toll free)
Vertical Datum - New Mapping Procedures
GIS in Flood Map Modernization
Preliminary Flood Plain Map with Parcel Information

Technical Details (REVISED)

FEMA Technical Notebook for Mystic River Study - Middlesex County Technical Data Notebook (TSDN) prepared by
ENSR and Dewberry for use in developing preliminary flood insurance rate maps for Middlesex County. Contains
flood profiles, data tables, FIS data checklist, floodway data table, Mystic River FIS text, and workmaps.


    
  Please note that the original posting did not include all the files from the Notebook. For complete copies
  contact Catherine Woodbury at DPW (617) 349-4818.

				
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