Levees and Flood Insurance
Risk Status

Levee protection comes with risk
Levees reduce the risk of flooding. They do not eliminate it. And over time the level of protection can change. Some levees no longer protect against a major flood. Flood maps treat areas near these de-accredited levees as high-risk flood zones. Other levees have been constructed or improved to a higher standard. Flood maps show these as accredited levees. Still other levees are under review, and are shown as Provisionally Accredited Levees while further documentation takes place. When levee designations change, communication is needed to answer questions and allay concerns.

Flood insurance is a wise decision
When levee designations change, flood risks and federal flood insurance requirements may also change. In some cases, property owners are required to purchase flood insurance. In other cases, they are released from the requirement. Even if flood insurance is not required, it is strongly recommended for all areas near levees.

Letting the community know
The sample letters, fact sheets, Web links and other resources in this library will help you communicate with property owners, insurance agents, lenders, real estate agents, community leaders and the media about flood risks and flood protection for areas behind levees.

Visit the National Flood Insurance Program, for general background on levee status. For more detailed information, see the Resources section.

Situation #1:
Levees are de-accredited

Flood insurance now required.

Situation #2:
Levees are newly accredited

Properties released from the flood insurance requirement.