FEMA Flood Zone Remapping
The following information is from FEMA (Federal Emergency Management Association), specifically from the WebPages on Map Modernization Overview.
All states are experiencing a re-mapping as part of the National Flood Insurance Program
Concerns about the subsequent impact on property and property rights are rising across the country. The state of Oklahoma is currently in the process of being re-mapped by FEMA and/or the OWRB (Oklahoma Water Resource Board); we encourage all citizens to become familiar with the FEMA process of re-mapping, flood zone designations, water rights and water uses on your own property, as these actions may negatively impact your property value and affect how you use your property.
The Flood Map Modernization Mid-Course Adjustment
Flood Map Modernization (Map Mod) is a multiyear Presidential initiative supported by Congress that is directed at improving and updating the Nation’s flood hazard identification maps. These flood maps have been produced and used for 35 years under the National Flood Insurance Program (NFIP), originally for the identification and depiction of flood hazard areas in communities and for setting flood insurance rates. However, they have come to be much more widely used for many purposes, including local planning, emergency preparedness and response, and natural resource management.
The modernization of the flood maps, which had been produced, printed, and distributed with traditional paper mapmaking methods, had its origins in the National Flood Insurance Reform Act of 1994 (P.L. 103-325). Funding for Flood Map Modernization was first appropriated in fiscal year (FY) 2003, with additional funding provided in FY2004, FY2005, and FY2006.
As Map Mod reached the halfway point, FEMA performed a mid-program evaluation that considered input from Congress, the U.S. Government Accountability Office, the Department of Homeland Security’s Inspector General, and other stakeholders. Progress toward Map Mod goals has been assessed, and FEMA is making changes in its implementation of Map Mod that will result in better-targeted and more accurate flood data, while also producing digital flood maps for a significant portion of the Nation. The results of that evaluation are presented in this report.
Resources related to the mid-course adjustment can be downloaded through the link below. These resources and an array of other useful FEMA, NFIP, and Map Mod resources are now located in the FEMA Library. To search for other resources in the FEMA Library, please click here.
Items in the Flood Map Modernization Mid-Course Adjustment include:
How the Federal Government Took Over the Flood Insurance Business - by Margaret Snow
If you could develop a market for a product, then develop the product, and then force hundreds of thousands of people into buying the product, WOW, what a concept! Of course, in the private sector, that isn't the way it works.
But if you were the all-powerful Federal Government, why not?
Last week I wrote about the stories of two Oklahoma residents, David McLain and Margaret Snow, and their respective experiences with FEMA and the map modernization program (Map Mod) Margaret had no idea her property had been re-designated at all and David caught the FEMA/Oklahoma Water Resources Board in the act and challenged them. His property remains safely listed as high and dry. Margaret’s property (located no where near water and previously was classified as “up land”) remains in the newly designated flood zone and has subsequently lost about half of its value.
Map Mod have transitioned into what FEMA calls Risk Map. The Risk Map program provides tools and incentives for communities to focus more on reducing risk which you can bet translates into more areas being required to pay for flood insurance and more areas where development is off limits or severely restricted. You can check and see if your area has been remapped (DFIRM Digital Flood Insurance Map) by zip code at FEMA’s website
America in the Balance recently interviewed two Oklahomans about their encounters with FEMA (Federal Emergency Management Administration, aka the Mob), local officials and the Oklahoma Water Resources Board (OWRB).
One successfully rebuffed the officials; the other was not so successful.
The issue? The designation of their (non-flooding) property as being in a flood zone, resulting in the devaluation of the property; limitations on development of the land; the devaluation of the land as collateral; negatively impacting the ability to sell their property; and the use of coercive methods to force the purchase of flood insurance.
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