National Flood Insurance Program
In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves. The NFIP offers flood insurance to homeowners, renters, and business owners if their community participates in the NFIP. Participating communities agree to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding.
http://www.fema.gov/business/nfip/
Flood risk can, and does, change over time, and flood risks change for many reasons such as new development, changes in levee classification, or environmental changes (to name a few). As a result the Federal Emergency Management Agency (FEMA) has updated flood hazard maps across the country.
http://www.fema.gov/plan/prevent/fhm/rm_main.shtm
When new maps are issued, your risk may have changed as well, along with your flood insurance requirements. If your property is mapped out of a high-risk area, your flood insurance costs will likely decrease. If you've been mapped into a high-risk area, you will be required to purchase flood insurance if your mortgage is through a federally regulated or insured lender. In any case, since standard homeowners insurance doesn't cover flooding, it's important to have protection from the floods associated with hurricanes, tropical storms, heavy rains, and other conditions that impact the U.S, regardless of whether you are in a flood zone or not.
The City of Havre de Grace has also provided a downloadable and complete version of the City of Havre de Grace Home Owners Guide to Flood Preparedness, as well as the 100 year Flood Plain Map.
Additional Information:
Further information regarding these topics can be found by calling your Planning Department at City Hall at 410-939-1800; visit your local library; or visit one of these web sites:
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