UNDERGOING A MAP CHANGE
Flood risk can, and does, change over time. Flood risks change for many reasons: new development,
changes in levee classification, and environmental changes, to name a few. As a result FEMA is updating
flood hazard maps across the country. These new flood maps, also, known as Digital Flood Insurance Rate Maps
(DFIRMs), show flood risk at a property-by-property level.
When new maps are issued, your risk may have changed as well along with your flood insurance requirements.
If your property is mapped out of a high-risk area, your flood insurance costs will likely decrease. If you've
been mapped into a high-risk area, you will be required to purchase flood insurance if your mortgage is through
a federally regulated or insured lender. But you can save money with the Newly Mapped procedure and through
a process known as grandfathering provided by the NFIP.
If you live near a levee, your flood risk may be higher than you thought. Hundreds of levees across the
country no longer meet federal standards for protection, so when new maps are issued, these areas will be
shown as high risk.
Know your area. Learn your flood risk and see when new flood maps will be available for your community.
Learn more about map changes
Learn your risk, and find an agent, by taking Your Risk Profile.
PRIMARY RESIDENCE DISCLAIMER
For flood insurance rating purposes, a primary residence is a building that will be lived in by the insured or the insured's spouse for at least 80 percent of the 365 days following the policy effective date. If the building will be lived in for less than 80 percent of the policy year, it is considered to be a non-primary residence.