What is a flood map, or Flood Insurance Rate Map (FIRM)? What is a Flood Insurance Study?

A Flood Insurance Rate Map (FIRM), flood map, is an official flood map issued by FEMA for insurance and floodplain management purposes that identifies Special Flood Hazard Areas (SFHAs) that have a 1% and 0.2% annual chance of flooding. Current FIRMs are viewable at FEMA's Map Service Center. The Flood Insurance Study (FIS) compiles and presents flood risk data for specific watercourses, lakes, and coastal flood hazard areas within a community. When a flood study is completed, the information and maps are assembled into an FIS. The FIS report contains detailed flood elevation data in flood profiles and data tables.

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1. What is a flood map, or Flood Insurance Rate Map (FIRM)? What is a Flood Insurance Study?
2. How can I determine if my property will be impacted by FEMA’s Flood Risk Mapping Project?
3. If the revised maps show that my property is in the Special Flood Hazard Area (SFHA) will I be required to get insurance?
4. How will I be notified of flood insurance requirements?
5. How much does flood insurance cost?
6. Am I required to get insurance if no buildings on my property are in the Special Flood Hazard Area (SFHA)?
7. Will renters be impacted by the flood map revisions? Are they covered under renters’ insurance?