You can get your own survey done and try to change the map before it takes effect in October. You can also look at up online.Ģ) Click on the icon all the way on the leftĤ) Click on "Flood Zone Map" to see current flood zonesĥ) Click on "Proposed Flood Zone" to see the proposed changes You can call the county to find out if you're in a flood zone at 56. “You may want to have a survey done and get an elevation.” “You want to make sure that they’ve got you classified you correctly," Rill said. Rill said you should inform yourself now and not wait until October. That's because FEMA is including the risk of the Herbert Hoover Dike failing in their new maps. “I think a lot of the biggest changes are in western and central counties," said Doug Wise with the Palm Beach County Building Division. These new flood maps do not just impact properties close to the ocean. "Does your home have any mitigating factors? Like is it raised on a crawl space?” “They look at the construction of your home," Glass said. Property owners and communities can determine their current and future flood risk based on the preliminary Digital Flood Insurance Rate Maps (DFIRMs). 'If youre unsure of your homes flood risk, you can check with FEMAs Flood Map Service Center to find out. Unshaded: Area of minimal flood hazard, usually at elevation greater than the 0.2 annual chance flood ('500 year flood') event. 'But even if you dont live in a flood zone or your lender doesnt require it, you should consider purchasing flood insurance, especially if youre in a moderate to low-risk flood area,' explains Howard. “So if you don’t have it, they can foreclose on your house because you don’t have it," Rill said.ĭepending on which flood zone type you're in (A, B or C) your premium will be different.ĭolores Glass with Wright Flood Insurance explained that's not the only factor. Area of moderate flood hazard, usually between the limits of the 1 annual chance flood (base flood or '100 -year flood') and the 0.2 annual chance flood ('500 -year flood') event. “It’ll be like, when someone gets their renewal they’ll be like: Oh my gosh! What happened to my policy? I wasn’t in a flood zone now I am in one," Rill said.įor many that will mean they will have no choice but to buy flood insurance. He said many people in the area are going to be surprised when they find out how the changes will affect them. "They’ve really expanded some of the areas," said Douglas Rill, a real estate agent with Century 21. That also means many are going to have to buy costly flood insurance. That's when the new FEMA flood map will take effect. FEMA maps flood zones for use in the National Flood Insurance Program. Thousands of properties in Palm Beach County that weren't in a flood zone previously will now be in one come October. Flood zones are not the same as evacuation zones.
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