Determining Flood Zones

Can you rely on public flood information when determining flood zones?

The answer is NO.  When you adopt this practice, you leave yourself open to liability.   All public sources will have disclaimers in varying degrees which express the fact that the information should not be used for flood insurance rating purposes.  These public systems are also not 100% accurate in identifying property locations and are not official determinations of flood status.

You should consider many factors when determining flood zones:

  • Is my INSURABLE STRUCTURE affected by a high risk flood zone?
  • Is there a LOMA or LOMR removing the property or structure from the High Risk Flood Zone?
  • Was there a recent map change that could have changed my flood status?
  • Is there a pending map change that could change my flood status in the future?
  • What is the elevation of the structure compared to the Base Flood Elevation?

This information is not readily available and sometimes not easily understood.  This data should be analyzed by a flood determination expert to insure accuracy when determining flood zones and the mandatory purchase requirement for flood insurance.

Many considerations are instrumental in determining a property’s flood status and the flood insurance premium.  New maps are changing the flood zones of properties all across the country.  A flood determination is no longer a check box on a form. New laws and regulations regarding mitigation and rebuilding must be observed.

Run a Flood Determination Report from www.myfloodstatus.com.  The report comes with the professional guidance of the “Flood Resource C­­enter”, which will provide customer support, understanding and direction.  Certified flood plain managers and flood specialists can help lower flood insurance premiums and possibly remove properties from high risk flood zones.

Each report is insured.  You shift the liability and the burden of dealing with flood related issues to the professionals.  Don’t put yourself at risk by determining flood zones with misleading online tools.   Leave this to My Flood Status and the Flood Resource Center powered by WTG, they stand behind every determination.

For more information go to www.myfloodstatus.com or call 855-653-5663.