Flood Insurance

Our firm provides Elevation Certificates for determining the Flood Zone your home is in. In some instances you may be eligible for a letter of map amendment (LOMA) which will remove your property or home from the designated Flood Zone.

Information quoted from FEMA's website www.fema.gov

“As part of its administration of the National Flood Insurance Program (NFIP), The Federal Emergency Management Agency (FEMA) publishes flood maps, called Flood Insurance Rate Maps, Or Firms. The Purpose of a FIRM is to show the areas in a community that are subject to flooding and the risk associated with these flood hazards. One of the areas shown on the FIRM is a Special Flood Hazard Area (SFHA). The SFHA is an area that has a 1 percent or greater chance of flooding in any given year.”

“FEMA uses the most accurate flood hazard information available and applies rigorous standards in developing the FIRMs. However, because of limitations of scale or topographic definition of the source maps used to prepare a FIRM, small areas may be inadvertently shown within a SFHA on a FIRM even though the property is on natural ground and is at or above the Base Flood Elevation (BFE)”

“Recognizing that these situations do occur, FEMA established administrative procedures to change the designation for these properties on the FIRM. These processes are referred to as the Letter Of Map Amendment (LOMA) or Letter Of Map Amendment Based On Fill (LOMA-F), process. In most cases the applicant will need to hire a Licensed Land Surveyor or Professional Engineer to prepare an Elevation Certificate for the property.”

Thomas A. Stevens & Associates, Inc. has been a part of the local community for the past 25 years. Our dedication to serving our clients is the reason we are offering this service and information to you.

Please give us a call at (203) 245-0149, (203) 245-9336, (860) 373-0260 or drop us an email at civil911@gmail.com.

Please be aware some lenders will not change or eliminate flood insurance even when it is determined your home is not within a SFHA.