HomeMy WebLinkAboutElectronic floodzone determination form 041017
Rev
Email to
dpweng@hawaiicounty.gov
Tax Map Key:
Requested by:
Company:
Address:
Phone No. Fax:
Date:
Flood Zone is:
Remarks:
Completed by:
Date:
Notes:
1) Property in Zone X (not within the Special Flood Hazard
Area) may be damaged by a flood greater than that
predicted on the Flood Insurance Rate Map, or from a
local drainage problem not shown on the map. The
Information provided here does not create liability for the
County of Hawai‘i, or any officer or employee thereof, for
any damage that results from reliance on this information.
2) Buyers are advised to consult an Architect and/or
Engineer or other experts of the buyers’ choice if there are
additional questions.
3)
See attached about the mandatory purchase of Flood
Insurance requirements.
4)
http://gis.hawaiinfip.org/fhat/.
LEGEND
BASE FLOOD ELEVATION (BFE) – Water surface elevation of a flood having
a one percent chance of being equaled or exceeded in any given year
(also called the “100-year flood”).
FLOOD INSURANCE RATE MAP (FIRM) – Map used in administering the
National Flood Insurance Program. The maps display shaded areas in the
community that are subject to flooding. Flood Insurance rates are based on
risk of the various Special Flood Hazard Areas zones (defined below) shown
on the map. County of Hawai‘i’s regulations are tied to the different SFHA
zones.
FIRM or SFHA zone information is available from the following sources:
Order or viewed on the Internet by visiting or by
going directly to or by calling
1-
The State of Hawai‘i Department of Land and Natural Resources
provides property specific flood zone designation information at its
website http://gis.hawaiinfip.org/fhat/.
The County of Hawai‘i Department of Public Works provides (upon
request and for a nominal fee) a copy of the Tax Map Key with the
specific flood designations(s).
SPECIAL FLOOD HAZARD AREAS (SFHA) – Areas of land or zones that
would be inundated by a flood having a 1 percent of occurring in any
given year (also referred to as the base flood or 100-year flood).
ZONE A – No base flood determined
ZONE AE – BFE determined
ZONE AH – Flood depth of 1 to 3 feet (usually areas of ponding); base
flood elevation determined
ZONE AO – Flood depths of 1 to 3 feet (usually sheet flow on sloping
terrain); average depths determined. For areas of alluvial fan flood,
velocities also determined.
ZONE V – Coastal flood with velocity hazard (wave action); no
BFEs determined.
ZONE VE – Coastal flood with velocity hazard (wave action);
BFEs determined.
OTHER FLOOD AREAS – Areas of land or zones not designated
as SFHAs.
ZONE X (Shaded) – Areas of 500-year flood; areas of 100-year flood with
average depths of less than 1 foot or with drainage areas less than 1 square
mile; and, areas protected by levees from 100-year flood.
ZONE X – Areas determined t be outside the 500-year floodplain.
ZONE D – Areas in which flood hazards are not determined.
Notes:
1) FIRM maps do not necessarily identify all areas subject to flooding,
particularly from local drainage sources of small size, or all planimetric
features outside SFHAs.
2)SFHAs (100-year flood) include Zones A, A1-A30, AE, AH, AO, V
and VE.
3)Certain areas in SFHAs may be protected by flood control structures
(e.g., levees).
County of Hawai‘i is an Equal Opportunity Provider and Employer
About the Mandatory Purchase of Flood Insurance Requirement
The NFIP: The National Flood Insurance
Program (NFIP) is a federal program enabling
property owners in participating communities to
purchase flood insurance on eligible buildings
and contents, whether they are in or out of a
floodplain. This community participates in the
NFIP, making federally backed flood insurance
available to its property owners.
The NFIP insures most walled and roofed
buildings that are principally above ground on a
permanent foundation, including mobile homes,
and buildings in the course of construction.
Property owners can purchase building and
contents coverage from any local property and
casualty insurance agent.
Mandatory Purchase Requirement: Pursuant
to the Flood Disaster Protection Act of 1973 and
the National Flood Insurance Reform Act of
1994, the purchase of flood insurance is
mandatory for all federal or federally related
financial assistance for the acquisition and/or
construction of buildings in Special Flood Hazard
Areas (SFHAs). An SFHA is defined as any A or
V flood zone on a Federal Emergency
Management Agency (FEMA) Flood Insurance
Rate Map (FIRM).
The mandatory purchase requirement also
applies to secured loans from such financial
institutions as commercial lenders, savings and
loan associations, savings banks, and credit
unions that are regulated, supervised, or insured
by federal agencies, such as the Federal
Reserve, the Federal Deposit Insurance
Corporation, the Comptroller of Currency, the
Farm Credit Administration, the Office of Thrift
Supervision, and the National Credit Union
Administration. It further applies to all loans
purchased by Fannie Mae or Freddie Mac in the
secondary mortgage market.
Federal financial assistance programs affected by the
laws include loans and grants from agencies such as
the Department of Veterans Affairs, Farmers Home
Administration, Federal Housing Administration, Small
Business Administration, and FEMA disaster
assistance.
How it Works: When making, increasing, renewing,
or extending any type of federally backed loan,
lenders are required to conduct a flood zone
determination using the most current FEMA FIRM to
determine if any part of the
building is located in an SFHA. If the building is in an
SFHA, the federal agency or lender is required by law
to provide written notification to the borrower that flood
insurance is mandatory as a condition of the loan.
Even though a portion of real property on which a
building is located may lie within an SFHA, the
purchase and notification requirements do not apply
unless the building itself, or some part of the building,
is in the SFHA. However, lenders, on their own
initiative, may require the purchase of flood insurance
even if a building is located outside an SFHA. Up to
25% of all NFIP flood losses arise from outside SFHAs
(B, C, and X Zones).
Under federal regulations, the required coverage must
equal the amount of the loan (excluding appraised
value of the land) or the maximum amount of
insurance available from the NFIP, whichever is less.
The maximum amount of coverage available for a
single-family residence is $250,000 and for non-
residential (commercial) buildings is $500,000.
Federal agencies and regulators, including
government-sponsored enterprises, such as Freddie
Mac and Fannie Mae, may have stricter requirements.
.
County of Hawai‘i is an Equal Opportunity Provider and Employer Page 2