My property is on a hill and could not possibly flood. Why is LandSafe Flood still determining my property to be in an SFHA?
In the Mandatory Purchase of Flood Insurance Guidelines, FEMA states the following: “In theory, the area on a map in which a building is located should reflect its susceptibility to flood. Yet, in practice, Flood Hazard Boundary Maps (FHBM) and FIRMs cannot reflect every nuance in the physical geography of an area. Occasionally a flood map will show property as clearly being in an SFHA, even though the building on the property is actually above the Base Flood Elevation (BFE). In practice, the FHBMs and the FIRMs cannot possibly reflect every rise in terrain, and there will be instance of “natural islands” of high ground that are inadvertently included in the SFHAs. Nevertheless, until the map is physically revised, lenders are bound by the information shown on FEMA maps unless a valid Letter of Map Revision (LOMR) or Letter of Map Amendment(LOMA) has been issued by FEMA for the property. Lenders may not close a loan based on third party as a substitute for a LOMR or LOMA.
Related Questions
- What if my property is located within a Special Flood Hazard Area (SFHA), but the structure is not? Is flood insurance required?
- My property is on a hill and could not possibly flood. Why is LandSafe Flood still determining my property to be in an SFHA?
- Can I buy flood insurance for my property if the property is not in a Special Flood Hazard Area (SFHA)?
