FEMA has come out with new Flood Zone maps.?
My property was not in a flood zone in the past, but is according the the September 2009 maps, ACCORDING TO THE BANK. Where can I get a copy of the new maps? The property is still under mortgage, so we would have to purchase flood insurance that had previously not been required. What can I do? Are there any grandfather clauses that would help me?
- Anonymous1 decade agoFavorite Answer
You can view the FEMA maps online or at your city/county government offices. There are no "grandfather clauses" pertaining to flood insurance. However, there is a process to obtain a FEMA exclusion if your house is elevated above the FEMA map's Base Flood Elevation (it's called a Letter of Map Amendment - LOMA).
Your situation is not unusual when new community Flood Insurance Rate Maps are issued.
- sparkynugget84Lv 41 decade ago
Homes and businesses with mortgages from federally regulated or insured lenders in high-risk flood areas are required to have flood insurance. While flood insurance is not federally required if you live in a moderate-to-low risk flood area, it is still available and strongly recommended.
This is info from the 2nd site I listed.Source(s): http://www.msc.fema.gov/webapp/wcs/stores/servlet/... http://www.floodsmart.gov/floodsmart/pages/residen...
- madelLv 44 years ago
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