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FEMA Flood Map Changes

As part of the National Flood Insurance Program, FEMA has undertaken the effort to map flood risk areas across the nation.  These maps are called Flood Insurance Rate Maps (FIRMs).  Each community that participates in the National Flood Insurance Program has a set of FIRMs that cover the community.  The purpose of these maps is to delineate flood risk areas, which are normally shown as shaded areas on the map, and often designate how high (above sea level or “datum”) FEMA expects flood waters to stretch, which is called the base flood elevation, or BFE.  Over the last decade, these maps have evolved, and the changes can have an impact on insurance costs.

Early Flood Maps

1980s and 1990s Revisions

Modern Flood Maps

Viewing Current, Historic, and Future Flood Maps

Example of Significant Map Changes

How Map Changes Can Affect Your Flood Insurance Costs

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