Throughout time, development has always occurred near natural and manmade waterways. We are able to guide our clients through their floodplain options based on their risk. We can survey your property to determine your flood risk, provide you with an elevation certificate and submit a Letter of Map Amendment (LOMA) or a Letter of Map Revision (LOMR) to FEMA on your behalf if needed. Upon completion of the Floodplain Survey, we can provide floodproofing options to mitigate your floodplain risk, including site design to raise the structure above the floodplain elevation.
An elevation certificate is needed by the insurance company if a home or business is located in an area that is considered high risk. An elevation certificate shows the structures elevation compared to the estimated height that floodwaters could reach if a major flood occurred, which helps insurance companies determine flood risk and the insurance premium.
FEMA Flood Insurance Rate Maps, or FIRMs, as we refer to them as, are frequently erroneous or there may be better field data available to suffice a map change. Because FEMA simply does not have the financial capacity to accurately survey the entire country, they rely on individual property owners, developers, and professionals to provide them with newer or more accurate information for justification of a map change.
A letter of map amendment can be issued in situations where an existing structure or parcel of land was inadvertently mapped as being in the floodplain, but the property is on natural high ground above the base flood elevation.
A conditional letter of map amendment is issued when a parcel of land or a proposed structure not elevated by fill (natural grade) would not be inundated by the base flood if built as proposed.
A letter of map revision based on fill is issued when the property or existing structure has been elevated out of the base flood elevation by fill (natural grade). This requires an official revision to a Flood Insurance Rate Map that may change flood insurance risk zones.
A conditional letter of map revision based on fill is issued when a parcel of land or proposed structure that will be elevated by fill (natural grade) would not be inundated by the base flood if built as proposed. Once the structure is built a LOMR-F is required.
Throughout time, development has always occurred near natural and man-made waterways. We are able to guide our clients through their options with existing and proposed floodplain development. From designing entire proposed large developments in existing mapped floodplain to removing an existing residential property, we are able to accommodate all scales of floodplain management & design.
These studies are important to determine the properties and behavior of water and how they impact flood plain mapping. Hydrologic analyses are performed to model the flow of water and quantify the flow of water draining over time. Hydraulic analyses are performed to determine the depth of flow, flow velocity and forces from flowing water on a surface.
A floodplain survey will be needed to get an accurate picture of your current land/structure elevations, which will provide the information needed to determine what options are available to you, such as elevating the structure, wet/dry floodproofing, and/or the possibility of installation of flood vents, which could help reduce the cost of flood insurance.
If a home or business is located within 500’ of the mapped floodplain, the lender may require flood insurance if they consider the property “at risk.”
An elevation certificate shows the structures elevation compared to the base flood elevation or 100-year flood elevation, which helps insurance companies properly determine flood risk and insurance premium.
The FEMA Flood Insurance Rate Maps are sometime erroneous or there may be better field data available to suffice a map change. Because FEMA relies on individual property owners, developers, and professionals to provide them with newer or more accurate information to justify a map change.
The BFE is the elevation that flood waters are anticipated to having a 1% chance of reaching or exceeding each year.