![]() 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. 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 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. Flood Maps are Changing. What You Should Know The links above are the revised flood maps, which go into effect in July 16, 2014. The flood maps shown on the FEMA website are the current flood maps, which differ from the flood maps effective Jshown above. Maps are now scheduled to become effective July 16, 2014. The Federal Emergency Management Agency has updated the Flood Insurance Rate Maps for Essex County. * Note: The tool entitled “One-Step Flood Risk Profile” on the official National Flood Insurance Program website is based upon current 1982 flood maps and does not reflect changes proposed in the Preliminary Flood Insurance Rate Maps.įEMA Revises Schedule for New Flood Insurance Rate Maps Swampscott Map 4 (25009C0534G) - Includes coastal neighborhoods along Puritan Road between Eiseman’s Beach and Atlantic Avenue at Atlantic Road. Swampscott Map 3 (25009C0533G) - Includes coastal neighborhoods from Humphrey Street at the Lynn Line along the coast to Eiseman’s Beach. Swampscott Map 2 (25009C0532G) - Includes coastal neighborhoods along Atlantic Avenue between Atlantic Road and the Marblehead Line. Swampscott Map 1 (25009C0531G) - Includes inland neighborhoods not included on the following three maps. New Flood Zones Effective as of JSwampscott Flood Maps: This elevation certificate should be signed and filled in by a licensed surveyor or a professional engineer.Flood Insurance Rate Maps for Essex County You may avoid this by using an elevation certificate to prove that you have a lower risk for flooding compared to the area around it. This generally is due to the flood damage that the insurance needs to mitigate in order to avoid future complications considering the risk of flooding in the community or area. If your active flood insurance in low-risk flood zone is around $700 to $1000, you can expect that your flood insurance rates in high-risk zones will be around $2000 or even more. At least they were before risk rating 2.0 was released on October 1, 2021. It's important that the flood map uses the data of chance of flooding in the area, the base flood elevation of the community or the property, and as mentioned before the probability of a flood in the event that there's heavy rainfall or somewhere along those lines.Īdditionally, other than the mandatory flood insurance from the federal government, you can also expect that in these high-risk areas, flood zone insurance premiums are also higher compared to low-risk areas. These zones are determined by the flood insurance rate map (FIRM) to see if structures of the properties can keep up with the possible flood risk in the area. This is to make sure that the property's value, structure, and integrity is protected and preserved in the event of a flood disaster. ![]() Properties in this area will be required by the federal government and your mortgage to get a flood insurance policy with the property. It is important to note that flood zones no longer determine rates with the National Flood Insurance Program. In a time where flooding can happen anytime and anywhere, however, this is still a great reference since the 100-year flood zone is the bigger picture than the National Flood Insurance Program (NFIP) and FEMA. This is strictly based on research on probability however this doesn't really reflect how disasters work so it still differs. This is why it's commonly known as well as the 100-year flood zone. Flood zone AE is also known as a special flood hazard area since this is generally a zone where flood risks are very high and flooding can happen once every 100 years.
0 Comments
Leave a Reply. |