|FEMA Map Update|
October 3, 2012
Salvador Creek Flood Map Changes
FEMA has issued changes to the Flood Insurance Rate Maps (Flood Maps) through multiple Letters of Map Changes listed below.
Flood Maps depict whether a property has high, moderate or low risk of flooding during a “Base Flood”. A Base Flood is defined as having 1% annual chance of occurrence and is also known as a “100-year” flood. The height of the flood waters is known as the “Base Flood Elevation”.
*The Flood Maps, which are used to determine flood insurance rates and to help with floodplain management, are available at the City of Napa Public Works Department and at www.fema.gov.
LOMA “OUT AS SHOWN” - FEMA has issued a Letter of Map Amendment (LOMA) “Out as Shown” removing 165 structures from the regulatory floodplain.
ELIGIBLE STRUCTURES - FEMA has determined that there are 102 structures eligible for a Letter of Map Amendment (LOMA).
The City will assist the applicant with processing a Letter of Map Amendment (LOMA) for each of these properties. Once the LOMA is approved, the structure will be removed from the floodplain. Although, flood insurance may no longer be required, the City encourages property owners to maintain flood insurance. For more information on flood insurance, visit the National Flood Insurance Program’s website at www.floodsmart.gov.
NON-ELIGIBLE STRUCTURES - FEMA has determined approximately 74 structures are not eligible for a Letter of Map Amendment (LOMA) to remove the structure from the regulatory floodplain.
The City conducted site specific elevation surveys of each of these properties. If the lowest ground elevation next to a structure is lower than the Base Flood Elevation, then the structure is not eligible to be removed from the Floodplain. Properties that are not eligible for removal may be eligible to receive a discounted rate on flood insurance. Copies of the elevation certificates will be available at the City of Napa Public Works Department.
If you have a mortgage from a federally-backed lender and your structure is not eligible for removal, then flood insurance is required. Contact your insurance agent for information on flood insurance. If you do not have a mortgage from a federally-backed lender, flood insurance is still recommended. For more information on flood insurance, visit the National Flood Insurance Program’s website at www.floodsmart.gov.
CONTACTS - To request site-specific information for your property or if you would like to schedule an appointment to meet and discuss specific concerns related to your property, please contact Karen Harnois at 707-257-9520.