Is the structure in the floodplain?  Does it need flood insurance?  How do I figure this out?

Floodplain maps online

Determine if your structure is in the floodplain with online tools

A common question that can be solved online.  Here are some tools and resource fact sheets that will help you determine if a parcel is in a floodplain, learn about the new flood insurance regulations, and details about the Letter of Map Amendment.   If you think I should add a site, please let me know.

Indiana Specific Floodplain Tools

  • Indiana Floodplain Information Portal (INFIP):   Scroll half way down the page to find the INFIP “launch” button.  The Indiana Department of Natural Resources has a great free service online that can help you figure out how close the property / structure in question is to the floodplain.  You can contact them for additional information once you find that property in the system.
  • 39° north (Clark County + other counties):  Most of you are probably already using this if in my part of southern Indiana, but did you know there is a floodplain layer also?  Click on “Map Contents” on the right side and find it in the drop down list.

National Floodplain Tools and Resources

  • FEMA Flood Map Service Center (MSC):  Jump onto the FEMA website and download the Flood Insurance Rate Maps for your County.  You can also make specialty maps that are zoomed into your property.
  • Beacon:  Listed as ‘Local Government GIS for the Web’, there are multiple states shown here.  Get parcel data (and I am sure plenty more) from this site.
  • FEMA Flood Insurance Reform (link here, there is no catchy acronym):  Congress has revised how the National Flood Insurance Program (NFIP) will operate.  The last webinar I participated in stated that the NFIP is $24 billion dollars in the red.  There are plenty of new rules…check them out to learn the details.
  • FEMA National Flood Insurance Program, Summary of Coverage.  FEMA publication F-679 provides some quick guidance on how flood insurance rates are determined, along with details about the types of coverage that can be obtained.
  • The Community Rating System (CRS) is a voluntary program that provides discounts to flood insurance policy holders.  This fact sheet gives some information about CRS and how it works.
  • FEMA Letter of Map Amendment (LOMA):  This FEMA site describes the basics of obtaining a LOMA for a property shown in the floodplain.  If a property can get a LOMA, it can eliminate the requirement for paying for mandatory flood insurance if in the 100-year floodplain.