FLOOD INSURANCE, AND LETTER OF MAP AMENDMENT
The Federal Emergency Management Agency (FEMA) has revised the flood hazard maps known as Flood Insurance Rate Maps (FIRMs) which are effective as of November 4, 2016. These maps serve as a basis for the community’s floodplain management, insurance requirements and a tool in preventing loss of life and property due to flooding. Property owners are encouraged to review these FIRMs by viewing instructions given on the City’s Web page entitled “FEMA Flood Map Updates”
EFFECTS OF MAP CHANGES ON FLOOD INSURANCE
If the FIRMs show a change in flood zone or base flood elevation, property owners are encouraged to discuss insurance requirements with their insurance agents and lending institutes. The “Sarasota County Flood Map Modernization” website at https://www.scgov.net/government/public-works/flood-maps provides useful information. The City of North Port Stormwater Manager in the Department of Public Works can also provide assistance.
LETTER OF MAP AMENDMENT (LOMA) FOR PROPERTIES BUILT ON FILL PRIOR TO THE NOVEMBER 4, 2016 EFFECTIVE FIRMS
In the preparation of the November 4, 2016 FIRMs, the majority of North Port was based on early 2004 topographic data. Buildings that were constructed after the topographic data was taken in early 2004, may not be reflected in the November 4, 2016 FIRMs. Property owners may submit a Letter of Map Amendment (LOMA) to FEMA with survey data showing the property has been raised out of the SFHA. The survey, in the form of an Elevation Certificate, will need to be submitted to show the lowest adjacent grade (the lowest ground touching the structure) to be above the 100-year storm base flood elevation (BFE). The home owner will need to retain the services of a licensed surveyor to prepare the Elevation Certificate.
Instructions for submitting a LOMA, which is a no-fee application, can be found at https://www.fema.gov/letter-map-amendment-letter-map-revision-based-fill-process. The MT-EZ application form for filing a LOMA for one parcel is available on the FEMA website at https://www.fema.gov/mt-ez-form-instructions. The City of North Port Stormwater Manager in the Department of Public Works can provide assistance.
LETTER OF MAP AMENDMENT (LOMA) - OUT AS SHOWN (OAS)
If your property touches the SFHA but your building structure is not in the SFHA and you will like a written confirmation from FEMA, you may consider filing for a LOMA-OAS. LOMA-OAS is a determination made by the FEMA for the property and/or buildings as to whether it is located within SFHA. Only use this method if it is clear, visually, that the structure in not in the SFHA. Instructions are available at http://www.floods.org/ace-files/documentlibrary/committees/Insurance/LOMA-OAS_Instructions-KS.pdf.
Following are additional resources for questions on the appeal process, flood mapping and flood insurance.
• FEMA Helpline: (877) 336-2627
• FEMA e-mail FEMAMapSpecialist@riskmapcds.com
• Flood Insurance: www.FloodSmart.gov or call 1-800-427-4661
• City of North Port Webpage: “Flood Information” at http://www.cityofnorthport.com/index.aspx?page=956.
• Sarasota County Webpage: “Flood Map Modernization” https://www.scgov.net/government/public-works/flood-maps