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/ firstname.lastname@example.org David Mendelsohn, FEMA Region 1: 617-832-4713/ email@example.com Richard Zingarelli, Massachusetts Department of Conservation and Recreation, Flood Hazard Management Program: 617-626-1406/ Richard.firstname.lastname@example.org 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.