Flood plain zone8/27/2023 ![]() If you are receiving a loan from a bank or other lender, then the United States requires flood insurance if the property is in a flood zone. ![]() Some people decide just to protect the building itself while others want to make sure that everything in their building is protected as well. You can decide what you want to protect with your flood insurance and that will determine the cost you pay each year. Flood insurance is a great way to protect your house and the contents inside from any damage that is caused by a flood. Just like preparing when you buy a car, it is important to get the right insurance and understand what the plan entails. If you are thinking about buying land in a flood zone to build and potentially live on, you will want to get all your ducks in a row…before they float away. With most things, preparation makes for less hiccups in the future. Building and living in a flood zone is possible if you take the correct precautions and prepare for any downfalls. It can be worrisome since natural disasters can cause a lot of damage to your home, your finances, and even your loved ones. primary or secondary residence?).You may be thinking, did I just read that correctly? Why would anyone build in a flood zone? While building in a flood zone is not for everyone, but over 40 million people live in flood zones. When purchasing flood insurance, you should check who the underwriter and their stability, whether the policy meets the NFIP standards, double-check that your elevation certificate is filled out properly for your property (this can affect what you pay) and read your policy's declaration page to make sure the agent accurately captured your property (ex. Lower Susquehanna Watershed, 02050306, 2014 ( web link)įor information about FEMA floodplains and the National Flood Insurance Program (NFIP), visit. ![]() ![]() Schuylkill Watershed, HUC 02040203, 2017 DRAFT ( web link).Chester County, Brandywine-Christina Watershed, 2017 ( web link).The Table of Contents for the full report is repeated at the beginning of each volume. The study is published in six volumes, with the final three volumes being flood profiles for streams in the COunty. The studies described in this report developed flood hazard data that will be used to establish actuarial flood insurance rates and to assist communities in efforts to implement sound floodplain management. This Flood Insurance Study (FIS) Report revises and updates information on the existence and severity of flood hazards for the study area. Ĭall your local municipality, FEMA's Map Specialist at (877) FEMA MAP (1-87), or Chester County at 61 for help with any questions regarding FEMA floodplains. You can also click on a box to see the two-foot contours if you are interested in the topography.įor more information behind the science of the 100-year flood and floodplains, visit this USGS webpage. Click on "TOC" and click on the "Flood Risk Mapping" to see the FEMA floodplain boundaries. To better understand the location of the FEMA floodplain boundary to your property boundary, you can use ChescoViews. A devastating rainstorm can occur and many properties outside the 100-year floodplain may be flooded in any given year. The FEMA map also does not imply that properties outside of the 100-year floodplain will never flood. A 100-year flood could occur twice in five years. It is more accurate to refer to it as a 1% annual chance of the area flooding in any given year. However, a 100-year flood is not something that occurs once every 100 years. FEMA chose a "standard size" storm to approximate the floodplain map boundaries, and that storm was the 100-year flood event. You are also welcome to call us at the Chester County Water Resources Authority at 61 or email us at with any questions.įEMA's mapping of floodplains approximates where floodwaters may rise, however even if the property is outside of a FEMA floodplain, it may still flood. Call FEMA Map Specialists at 1-877-FEMA-MAP. To view the new interactive online FEMA floodplain maps, visit their Map Service Center website and type in the street address for the property of interest. The Federal Emergency Management Agency updated the floodplain maps for portions of Chester County in 2017, and these maps went into effect on September 29, 2017.
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