Montgomery County FIRM Panels Effective Date February 5, 2014
The preliminary FIRM panels released by FEMA for Montgomery County on May 18, 2011 and June 22, 2012 will become effective on February 5, 2014.
· The preliminary maps show the extent to which areas of the county are currently at risk for flooding even if there hasn’t been flooding recently.
· The preliminary maps take into account the changes in topography, land use and drainage patterns that have taken place in recent years. This may result in flood risk being identified in areas that were not previously studied.
· Once effective the preliminary maps will replace the FIRMs that have been in use since August 2003 which no longer represent Montgomery County’s current flood risk.
· If you’re thinking about building or remodeling, you’ll need to know the base flood elevations (BFEs) indicated on the new flood maps.
For more information on the status of the Montgomery County preliminary FIRM panels, refer to the ADECA Office of Water Resources link below.http://www.adeca.alabama.gov/Divisions/owr/floodplain/Pages/County-Status.aspxRevised Preliminary FIRM Panels dated June 22, 2012:
FIRM Panel 01101C0092HFIRM Panel 01101C0111HFIRM Panel 01101C0202HFIRM Panel 01101C0204HFIRM Panel 01101C0206HFIRM Panel 01101C0208HFIRM Panel 01101C0227HFIRM Panel 01101C0231HRevised FIS Report dated June 22, 2012:
Volume 1: 01101CV001BVolume 2: 01101CV002BVolume 3: 01101CV003BPreliminary FIRM Panels released May 18, 2011Review the panel index map below to locate the flood panel for your area.
Flood Panel Index
You will need to locate your property on the preliminary FIRM panel for your area. The preliminary FIRM panels are listed below. FIRM Panel 064 FIRM Panel 066 FIRM Panel 067 FIRM Panel 068 FIRM Panel 069 FIRM Panel 077 FIRM Panel 079 FIRM Panel 081 FIRM Panel 083FIRM Panel 084 FIRM Panel 086 FIRM Panel 088FIRM Panel 089 FIRM Panel 091 FIRM Panel 093FIRM Panel 094 FIRM Panel 101 FIRM Panel 103 FIRM Panel 104 FIRM Panel 108 FIRM Panel 112FIRM Panel 113 FIRM Panel 114 FIRM Panel 116FIRM Panel 117 FIRM Panel 118 FIRM Panel 119FIRM Panel 136 FIRM Panel 137 FIRM Panel 138 FIRM Panel 139 FIRM Panel 141 FIRM Panel 142 FIRM Panel 143 FIRM Panel 144 FIRM Panel 176 FIRM Panel 177 FIRM Panel 178 FIRM Panel 179FIRM Panel 181 FIRM Panel 182 FIRM Panel 183 FIRM Panel 184 FIRM Panel 186 FIRM Panel 187FIRM Panel 188 FIRM Panel 189 FIRM Panel 191 FIRM Panel 192 FIRM Panel 193 FIRM Panel 194 FIRM Panel 201 FIRM Panel 203 FIRM Panel 207 FIRM Panel 209 FIRM Panel 211 FIRM Panel 212 FIRM Panel 213 FIRM Panel 214 FIRM Panel 216 FIRM Panel 217 FIRM Panel 218 FIRM Panel 219FIRM Panel 226 FIRM Panel 228 FIRM Panel 229FIRM Panel 232 FIRM Panel 233 FIRM Panel 234FIRM Panel 236 FIRM Panel 237 FIRM Panel 238FIRM Panel 239 FIRM Panel 241 FIRM Panel 242FIRM Panel 243 FIRM Panel 244 FIRM Panel 251 FIRM Panel 252 FIRM Panel 253 FIRM Panel 254FIRM Panel 256 FIRM Panel 257 FIRM Panel 258 FIRM Panel 259 FIRM Panel 261 FIRM Panel 262 FIRM Panel 263 FIRM Panel 264 FIRM Panel 266FIRM Panel 267 FIRM Panel 268 FIRM Panel 276FIRM Panel 278 FIRM Panel 279 FIRM Panel 286 FIRM Panel 287 FIRM Panel 288 FIRM Panel 289FIRM Panel 306 FIRM Panel 307 FIRM Panel 309FIRM Panel 326 FIRM Panel 328 FIRM Panel 330 FIRM Panel 334 FIRM Panel 335 FIRM Panel 353FIRM Panel 355 FIRM Panel 356 FIRM Panel 357 FIRM Panel 358 FIRM Panel 359 FIRM Panel 376FIRM Panel 377 FIRM Panel 378 FIRM Panel 379FIRM Panel 382 FIRM Panel 383 FIRM Panel 384 FIRM Panel 401
Floodplain Outreach Meetings were held on Wednesday, July 13, 2011 at Carver High School and on Thursday, July 14, 2011 at Garrett Elementary School. These meetings were held to give the public the opportunity to view the map changes and ask questions about the effects of the changes. If you were unable to attend either of these meetings but would like to view the floodplain changes to your area, please contact the Engineering Department at (334) 625-2690. Map Changes May Mean Changes in Flood Insurance and Building Requirements
Once the new maps become effective, owners of properties mapped into a high-risk area may be required to carry flood insurance as a part of their mortgage agreement. All federally regulated or insured lenders will require flood insurance up to the first $250,000 of the mortgage.
Property owners mapped from a high-risk flood area to a lower risk area will find that insurance is optional and less expensive. Flood insurance is still available, and is recommended, because the risk of flooding has only been reduced, not removed. Approximately 25 percent of all flood claims occur in areas of moderate to low-risk. You should also know that mortgage lenders may still require you to carry flood insurance.
You should also be aware of the money-saving insurance options that are available if you are mapped into a higher risk zone. You may be able to save money by purchasing insurance prior to the new flood maps becoming effective – a process known as “grandfathering.” If you are mapped into a lower risk zone, flood insurance will likely be less expensive.
An insurance agent can give you details, but if you already have a policy in place before the new maps take effect – and you do not drop your coverage – you can maintain the lower risk zone designation.
For those mapped from a high-risk area into a moderate- or low-risk area, your existing flood insurance policy can possibly be converted to a lower-cost Preferred Risk Policy.
Montgomery County and its communities will use the new flood maps when reviewing building permits to manage development in the floodplain where the new elevations show greater risk than the older FIRM. Once the new flood maps are adopted, all buildings will have to be constructed in accordance with the new flood zones and new base flood elevations shown on the map.
Questions and comments from residents in the City of Montgomery should be submitted to:
Patrick Dunson, Floodplain AdministratorEngineering and Environmental ServicesCity of MontgomeryP.O. Box 1111Montgomery, AL 36101-1111Phone: (334) 625-2690
June 22, 2012 Letter to MayorFEMA Letter to MayorDHS FEMA NotificationFEMA Regulation 60.3Proposed Flood Elevation DeterminationAppeals and Protest Guide for Community OfficialsAdditional information can also be found online through the following links:
· FEMA Flood Information