Flood Insurance Supplemental Documents

Preferred Risk Policy Eligibility Extension
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FEMA has a temporary program of a lower cost flood insurance for those homeowners who did not have flood insurance but are now in a flood zone. These rates may be temporarybut may give you some time to file for a LOMA (Letter of map amendment) if your house would qualify for one.  Below are links to FEMA infomrational documents. You must discuss this with your insurance company.

Preferred Risk Extention FAQ's

https://www.floodsmart.gov/floodsmart/pdfs/FS_PRPExtensionFAQForCommunity_022014.pdf

 Prefeered Risk Community Fact Sheet

https://www.floodsmart.gov/floodsmart/pdfs/prp/prp_community_factsheet.pdf

 Preferred Risk Talking Points 

https://www.floodsmart.gov/floodsmart/pdfs/prp/FS_PRPExtensionTPForCommunity_022014.pdf

 LOMA Process   letter of map amendment

http://www.fema.gov/letter-map-amendment-letter-map-revision-based-fill-process

Letter of Map Amendment - Out as Shown 

   to be used if the house is clearly out of the flood zone

http://www.floods.org/ace-files/documentlibrary/committees/Insurance/LOMA-OAS_Instructions-KS.pdf

Interpreting Flood Insurance Rate Maps  October 2015 

http://www.mass.gov/eea/docs/czm/stormsmart/interpreting-fema-flood-maps.pdf