Flood Map Information

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Flood Map Information

The Federal Emergency Management Agency (FEMA) conduct flood assessments of different areas so that the community knows the risk of flooding as well as providing vital information for Flood Insurance companies. These studies look at several things like:

  • storm tides (coastal areas often have a high risk of flooding when the storm¬†tide comes in . . .)
  • river flow¬† (you don’t even have to live on the river bank to be at risk of an overflowing river)
  • rainfall (some places do get more rain than others . . . and with substantial amounts of rain comes a substantial risk of flooding)
  • topographic surveys (if the surrounding land slopes towards your back yard, you’d better get a boat and plenty of flood insurance)
  • hydraulic and hydrological analyses

Some areas are naturally identified as having a higher risk of flooding than others, and that’s basically what flood maps are all about. These maps use all of the information gathered by the FEMA to create flood hazard maps so that you can see in an instant whether you live in a high risk area, or the risk in your community is moderate to low. Be warned though, just because you might live in a moderate to low risk area it doesn’t mean that your property won’t be flooded at some stage . . . you still need to have adequate flood insurance cover, but the good news is that the premiums might be a little lower!

Flood Map Information is constantly being updated. Things change which can directly affect the risk of flooding in any particular area . . . new developments, erosion, changing patterns in the weather can all mean that the classification of your community and indeed your property can be within a different risk boundary after a few years.

Check out the Flood Map Information for your area and make sure that you, your family and your property have sufficient flood insurance to keep you covered.

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