Flood risk can, and often changes over time. New development, changes in levee classification, and environmental changes can all cause changes to an area’s Flood risks. As a result, FEMA updated flood hazard maps across the country including in Kansas City, Missouri. The City Council adopted those changes in January 2017. The adopted flood maps, also known as, Digital Flood Insurance Rate Maps (DFIRMs), show flood risk at a property-by-property level.
When the new maps were issued and adopted, your risk may have changed and therefore your flood insurance requirements may have also changed. Congress mandated federally regulated or insured lenders to require flood insurance on mortgaged properties that are located in areas at high risk of flooding. But even if your property is not in a high risk flood area, your mortgage lender may still require you to have flood insurance.
FEMA and the City of Kansas City, Missouri want you to know your options for addressing the changes to the flood-risk of your property. Based on the updated maps, your property may fall into one of these categories:
- Newly identified as located in a high risk, Special Flood Hazard Area (SFHA). In this case, the property owner of any structure located in an SFHA and that has a federally-backed mortgage is required to maintain flood insurance on the structure. You need to act immediately to secure the lowest rates.
- Previously identified and remains in a high risk or SFHA. You should act immediately to determine options for locking in your current insurance rate.
- New floodplain maps determine structure is no longer in the SFHA. You may be able to reduce your flood insurance needs once the new maps become effective.
The City was required to adopt the new floodplain maps, effective January 20, 2017 in order for residents to continue to be eligible for the National Flood Insurance Program (NFIP). Thanks to the City’s efforts under the NFIP’s Community Rating System, KCMO residents are eligible to receive a reduction in their flood insurance premiums.
Here’s how to address your flood-risk and determine insurance needs:
Find out your risk: Use the City’s Online Mapping system
Add your address to the search bar.
Click on the Layers tab
Check the box for Floodplain
Call your insurance agent:
FEMA requires all structures with federally backed mortgages to be covered under a flood insurance policy. By acting quickly, you may be able to secure a lower rate. Lower flood insurance rates locked down now are also transferrable to a future buyer.
For additional help contact the NFIP: 1-913-837-5220 or Abishop@nfip-iservice.com
Ally Bishop with the National Flood Insurance Program (NFIP) can assist with your questions about flood insurance and your property’s flood risk determination.
If you have been a victim of flooding:
A City permit may be required to make repairs. Please see IB100 for one and two family plan submissions or IB110 for commercial plan submissions. You can also call the Code Question Line at 816-513-1511 or send an email to email@example.com for questions about construction permitting requirements.
Some properties may be in the Federal Emergency Management Agency (FEMA) special flood hazard areas, which require an additional permit and review process. Please review Kansas City Ordinance Chapter 28 regarding Floodplain Management and IB120 for floodplain development permitting.