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These FIRMs are used in identifying whether a land or building is in flood zone and, if so, which of the different flood zones are in effect. In 2004, FEMA began a project to update and digitize the flood plain maps at a yearly cost of $200 million. The new maps usually take around 18 months to go from a preliminary release to the final product.
The Florida Division of Emergency Management has a website to determine whether you live in an evacuation zone and what zone it is. Go to the website and enter your address.
To find a company in your state that sells flood coverage, you can use the flood insurance provider tool provided by the Federal Emergency Management Agency (FEMA).
On the new maps in Palm Beach County, about 5,000 properties have moved to a high-risk flood zone, also considered a "special flood hazard area," from a low- or medium-risk flood zone.
A Special Flood Hazard Area (SFHA) is an area identified by the United States Federal Emergency Management Agency (FEMA) as an area with a special flood or mudflow, and/or flood related erosion hazard, as shown on a flood hazard boundary map or flood insurance rate map. [1]
FEMA states that approximately 50% of low flood zone risk borrowers think they are ineligible and cannot buy flood insurance. Anyone residing in a community participating in the NFIP can buy flood insurance, [10] even renters. However, unless one lives in a designated floodplain and is required under the terms of a mortgage to purchase flood ...