Am I required to get insurance if no buildings on my property are in the Special Flood Hazard Area (SFHA)?

If you are required to obtain flood insurance, but no structure(s) are located in the SFHA, property owners can apply to submit a Letter of Map Amendment – Out as Shown (LOMA-OAS) to FEMA. Click here to view the documentation and submittal process. If approved, the LOMA-OAS removes the mandatory flood insurance requirement. To learn more, visit FEMA's website or contact the FEMA Mapping and Insurance eXchange (FMIX) at 877-336-2627 or [email protected].

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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?