The law was enacted to repeal certain provisions of the Biggert-Waters Flood Insurance Reform Act to limit premium increases, according to FEMA. The act also repeals certain rate increases that have already gone into effect and provides refunds to those policyholders, according to FEMA. Flood Insurance Rate Maps are available at the Montgomery County Building and Codes. Officials: Recent Flooding Damaged Or Destroyed 880 Homes In Final Report on Imelda Says 62 of Flooding Outside of 100 Year. The act reduces the recent rate increases on some policies, prevents some future rate increases and implements a surcharge on all policyholders. You should check the flood hazard on property that you own or may purchase. Newest Montgomery County FEMA flood maps to go into effect in Montgomery County seeks federal funds for flood mitigation study. In March, President Barack Obama signed into law the Homeowner Flood Insurance Affordability Act of 2014. Brautigam said flood insurance premiums are set by FEMA and do not change regardless of insurance provider. “The cost of carrying flood insurance versus not is beneficial because the insurance is going to pay you much more than what you pay in premiums.”į, the official NFIP website, estimates the average flood insurance policy-for homes in all risk categories-costs about $650 per year. “Standard homeowners’ insurance only covers falling water such as rain damage but does not cover rising water, which is damage from flooding,” said Patricia Brautigam, owner of a Farmers Insurance Agency in Magnolia. “However, we did incorporate a new hydrology and hydraulics study on Spring Creek.”įlooding is the most common natural disaster in the U.S., and a separate flood insurance policy is often the most effective way to cover unexpected damages from flooding, according to FEMA.īecause flood insurance is not included in standard homeowner insurance policies, Congress created the National Flood Insurance Program to provide property owners financial protection in 1968. “In the Magnolia and Pinehurst areas, the changes were mainly due to newer and better topographic data called Light Detection and Ranging data, which was collected by the Texas Natural Resources Information System,” Moffett said. For technical questions about the mapping application contact:. Residents in the Pinehurst and Magnolia areas will experience some changes under the finalized maps, said Stephanie Moffett of FEMA Region 6 External Affairs. Tom Hughes, State Hazard Mitigation Officer Phone: (717) 651-2726. Area of shallow flooding means a designated AO or AH Zone on a communitys Flood Insurance Rate Map (FIRM) with base flood depths from one to three feet. “There are not very large or widespread changes, however, on some individual properties there can be some differences.” “In general, I think the new maps coincide with the old maps reasonably well,” Wilds said. The maps were finalized in February following an appeals process for preliminary maps issued in 2008, Assistant Montgomery County Engineer Dan Wilds said.

The Federal Emergency Management Agency has finalized new flood insurance rate maps for Montgomery County and is encouraging property owners with property along the county’s floodplains to purchase flood insurance, officials said.

Montgomery county flood map