![]() ![]() ![]() Flooding has no boundaries and occurs in and out of designated flood zones. Therefore, it is recommended residents and property owners in Newport News purchase flood insurance. If you’re unsure how to contact your agent or insurance company, call the FEMA Mapping and Insurance eXchange (FMIX) at 87. Hurricane Matthew (2016) resulting in an estimated 60% of affected properties did not have insurance. When it’s safe to return to your home, you should report your loss immediately to your agent or insurance company. ![]() FEMA reports that more than 20 percent of flood claims come from properties outside the high risk flood zone. These zones do not mean that a particular property will or will not flood under differing conditions, they just mean that some areas are at a higher risk than others. These Zones are established for regulatory flood plain management and the establishment of risk based insurance rates. In July 1987, the Federal Emergency Management Agency (FEMA) produced a Flood Insurance Study (FIS) and printed Flood Insurance Rate Maps (FIRMs). Homeowners and renters residing in high risk flood zones, including AE, AH, AO, and VE, are typically required to purchase flood insurance. These zones are represented on a community's Flood Insurance Rate Map (FIRM). Flood zones are geographic areas defined by FEMA according to varying levels of flood risk. Under Risk Rating 2.0, FEMA looks at which flood zone your home is in and how likely your property is to flood. The program establishes a category of flood zones. The Illinois State Water Survey may be able to determine a BFE for a minimal fee, (217) 333-0447. FEMA publication Managing Floodplain Development in Approximate Zone A Areas (FEMA 265) is useful for engineers. The Federal Emergency Management Agency (FEMA) manages the National Flood Insurance Program (NFIP) which provides insurance coverage, typically not otherwise offered, to cover flood related damages. If you need help determining the BFE, check with your community permit office, FEMA or IDNR/ OWR. ![]()
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