Shop around to see which one of these professionals can provide these services at an affordable cost or cheaper for a community neighborhood group. Within minutes the professional can provide you with an official FEMA LOMA if all the required information is provided in the correct formats. Alternatively, can solicit one of the professionals to do so on your behalf or to pursue a much faster process by requesting for an eLOMA. It can take up to 90-days for FEMA to provide a LOMA determination. If the elevation certificate shows the elevation of the lowest natural ground adjacent to the home higher than the determined BFE and you have decided to request a LOMC (Letter of Map Amendment (LOMA)) to officially remove the single home / structure from the SFHA once all criteria have been met, you can pursue doing so online free of charged at. Request / Submit for Letter of Map Change (LOMC) Shop around to see which one of these professionals can provide this service at an affordable cost or cheaper for a community neighborhood group. Consult the yellow pages and/or do a google search for Professionals’ contact information or contact the Floodplain Administrator for a listing. The Floodplain Administrator will in turn provide you a packet including the letter, copy of your Elevation Certificate, pertinent flood map panel, and any other pertinent information. If a “Flood Zone Determination Letter” is also required by the insurance agency or by choice, request one from the City’s Floodplain Administrator. If home clearly or unclearly shown on current Effective Flood Map(s) to be in the SFHA and after consultation with the insurance agent have determined that an Elevation Certificate is needed, solicit a Registered Professional Land Surveyor or a Professional Engineer (Professionals) to provide one and submit it to the insurance agency and Floodplain Administrator. Obtain/Submit Letter of Flood Zone Determination and/or Elevation Certificate Can also contact the City’s Floodplain administrator to further discuss. You may then decide not to execute the other steps and possibly discuss with the insurance agent of ways to lower the flood insurance rate. If you are aware of or determine after executing step 2 that the LNGRND is below the BFE, then that verifies your home is indeed in the SFHA. Or, if an official “Letter of Map Change” from FEMA will be needed to obtain an even lower-cost flood insurance Preferred Risk Policy rate. (BFE), will suffice or a “Flood Zone Determination Letter” from the City’s Floodplain Administrator will also be required, to obtain the lowest transferable flood insurance Preferred Risk Policy rate. Residents whose homes / structures were raised above the natural ground after the current effective flood maps became effective on 30th December 2020, need not follow these steps but instead, contact the City’s Floodplain Administrator 97 or for further pertinent guidance.Ĭall your insurance agent and/or lender to determine if an Elevation Certificate, showing the lowest natural ground (LNGRND) elevation adjacent home to be above a determined base flood elevation The City recommends residents who have not received a letter because they do not have a federally backed mortgage but recognized (view maps here: ) that their homes are now clearly or unclearly shown to be in the SFHA, to follow these steps also. The City would like to inform residents of steps that can be taken to verify and then, if need be, demonstrate to the insurance agencies and/or Federal Emergency Management Agency (FEMA) that their homes are actually not in the SFHA as the current effective flood maps inadvertently geographically show them to be. Insurance agencies and possibly mortgage lenders, have already started sending notification letters to primarily home owners who have federally backed mortgages, addressing the adverse impact on flood insurance rate being these homes are now shown (clearly or not) to be in high-flood risk areas as opposed to before being in moderate to low-risk areas prior 30th December 2020. Whereas, were once clearly shown not to be in the SFHA on flood maps in effect since 1989/1993. Several homes within the City of Lake Jackson and it’s ETJ are now clearly or unclearly geographically shown to be in the Special Flood Hazard Areas (SFHA): primarily Zone AE. As of the 30th December 2020, the current Effective Flood Insurance Rate Maps (FIRM) became effective: herein refer to as Flood Maps.
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