Contact your insurance agent or visit FloodSmart.gov, the official site of the National Flood Insurance Program. This website contains helpful resources for customers and insurance agents.
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A LOMA-OAS request is a process between the property owner and FEMA; the City has no role, involvement, or authority in the process or approvals of a LOMA-OAS. Click here to view the documentation and submittal process. For additional assistance, visit FEMA's website or contact the FEMA Mapping and Insurance eXchange (FMIX) at 877-336-2627 or [email protected].
Before the revised FEMA flood maps become effective, there is a 90-day public appeal and comment period. During that time, residents, or businesses with supporting technical and scientific information, such as detailed hydraulic or hydrologic data, can appeal to FEMA the flood risk information on the preliminary maps. At any time after the FIRM is adopted, the property owner can submit data to FEMA requesting a Letter of Map Amendment (LOMA) or Letter of Map Revision (LOMR).
The Community Rating System (CRS) is a voluntary incentive program that recognizes and encourages community floodplain management practices that exceed the minimum requirements of the National Flood Insurance Program (NFIP). To date, the City has not participated in the CRS. The City is evaluating its participation in the CRS during FEMA’s development of the revised flood maps.
The local flood study completed by Santa Rosa and Sonoma Water does include climate change concerns in the modeling. The data and inundation maps from the local study were provided to FEMA. Whether or how FEMA may incorporate climate factors into the revised flood maps is their decision.
The revisions to FEMA’s flood maps are estimated to take effect approximately two years after FEMA issues preliminary flood maps. For updates on the project timeline, visit srcity.org/FEMAFloodMapping.
If your home or other insurable structure gets mapped out of the SFHA into a low or moderate risk zone because of the map revision, the flood insurance requirement may no longer be required. Please contact an insurance agent.
If a new structure or improvement to an existing structure in the SFHA is planned, the building will have to incorporate criteria that minimize future flood damage, and a local building permit is required. Construction methods that reduce exposure to flood damage may reduce the cost of flood insurance.
If you have a federally backed loan or mortgage for a building in the Special Flood Hazard Area (SFHA), you will be required by your lender to purchase flood insurance annually. If you do not have a federally backed loan, you may not be required to purchase insurance, though it is highly recommended due to the risk of flood damage.
The FEMA Mapping and Insurance eXchange (FMIX) Customer Care Center can assist with questions about flood mapping and flood insurance. Contact FMIX at 877-FEMA-MAP (877-336-2627), [email protected] or live chat.