On 5/11/2012 6:57 AM, Jim Lux wrote:
On 5/11/12 5:54 AM, Chuck Harris wrote:
Go to your local building and planning commission, and get yourself
a copy of the topographical map for your address. They are cheap, and
are the standard by which everyone (insurance, zoning, ...) determines
your flood plane exposure.
I have been informed (in the last 5 minutes) that whether you are in a
flood plain, these days, are determined almost entirely by the
geographic position of your property on the FEMA flood plain map. (at
least as far as lenders and HO insurance goes) FEMAs maps may or may
not align with USGS maps. They almost certainly do NOT align with the
county recorder's maps.
If you're in an area where FEMA doesn't issue maps then it's something
else, and USGS or local maps may determine. But I notice from the
FEMA Flood Map server that they cover even things up in the mountains
(e.g. Alpine county in California)
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The FEMA flood panels are the Minimum standard that must be met. The
Local Agency can be much more stringent in its' requirements. They will
usually have a Flood Ordinance established.
Randy Hunt
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