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City heads 90 day Flood map Appeals

 Property owners who disagree with updated flood maps may appeal

JACKSONVILLE, Fla., June 23, 2010 Starting June 30, 2010, the City of Jacksonville will enter a 90-day public comment period that will allow property owners to file appeals or protests if they disagree with the updated countywide preliminary flood maps.
The public comment period, which will end Sept. 28, 2010, follows the city’s May 2010 public outreach component of its “Mapping the Risk” initiative where it released the updated preliminary flood maps of the entire community for review by property owners.  “Mapping the Risk,” Duval County’s flood map modernization project, is part of a nationwide Federal Emergency Management Agency (FEMA)-sponsored effort to update aging flood hazard maps to reflect the most current flood risks and utilize the latest technologies. A joint effort between the city and FEMA, in cooperation with private sector partners, this multi-year project re-examined Jacksonville’s flood zones to develop detailed, digital flood hazard maps. 
During the 90-day public comment period, any property owner who believes his or her property rights will be adversely affected by the updated preliminary maps may appeal. In order to do so, the property owner must demonstrate that the property’s flood status determination is scientifically or technically incorrect. Forms for completing an appeal or protest can be found on the FEMA website at http://www.fema.gov/plan/prevent/fhm/frm_form.shtm and information on the type of documentation needed can be found at http://www.fema.gov/library/viewRecord.do?id=3251. All appeals must be made by Sept. 28, 2010 to the appropriate city government listed below:  

City of Atlantic Beach
The Honorable Mike Borno, Mayor
800 Seminole Road
Atlantic Beach, FL 32233

City of Jacksonville
The Honorable John Peyton, Mayor
117 W. Duval Street, Suite 400
Jacksonville, FL 32202

City of Jacksonville Beach
The Honorable Fland Sharp, Mayor
11 North Third Street
Jacksonville Beach, FL 32250

City of Neptune Beach
The Honorable Harriet Pruette, Mayor
116 First Street
Neptune Beach, FL 32266

Only appeals supported by scientific or technical data can be considered and forwarded to FEMA for its final determination at the end of the 90-day public comment period; however, inquiries on other information such as incorrect street names, typographical errors or omissions will be considered by FEMA, and any applicable changes will be made before the maps become effective.

Background:
The flood map modernization project is mandated and funded by the federal government and is being undertaken in consultation with property owners, community associations, private sector partners and affected industries. The updated maps replace those that are more than 20 years old or, in some cases, provide information about rural areas that have never been mapped in detail. 
The updates are necessary because over time, water flow and drainage patterns have changed dramatically due to surface erosion, land use and natural forces. The likelihood of inland, riverine and coastal flooding in certain areas has changed along with these factors.  Therefore, all property owners and those with a stake in Jacksonville’s future should be aware of how the maps are changing and why — as well as how the changes will affect residents and business owners alike. 
The maps do not change the existing risk.  Rather, this information better defines the risk to help property owners determine the proper flood insurance coverage needed.

Website:
Easily accessible information about the potential changes is available through the website www.mappingtherisk.com.  All property owners are encouraged to visit the site to learn about potential changes that may affect their property. 
To view updated preliminary flood maps for each property, visit www.mappingtherisk.com and select “Am I in a Flood Zone?”.  This will direct visitors to a page where they may enter their real estate number, name and/or property address.  In turn, this will bring up information about the property’s “Preliminary Flood Zone” status and provide a digitized map of the parcel.

Map Adoption
Following the 90-day period, legislation will be filed with the local municipalities and the Jacksonville City Council.  Pending a vote from these bodies, the preliminary maps will be adopted as final and will fully replace existing maps in early 2011.  At that time, new insurance requirements will take affect. 

Flood insurance:
It is important to note that the National Flood Insurance Program (NFIP) has “grandfather” rules to recognize policyholders who have either built in compliance with the flood map or who maintain continuous coverage. These rules allow such policyholders to benefit in the rating for that building:
-       Grandfathering is available for new purchasers as well as existing customers.
-       Purchasing flood insurance before the map revision is adopted allows property owners to save on insurance.
If a property has been designated in a high flood zone:
-       The property owner will be required to purchase a flood policy if they carry a mortgage from a federally regulated lender.
-       If the owner does not carry a mortgage, they should still protect the home with flood insurance. National statistics show that homeowners are three times more likely to have damage by a flood than by fire.
-       Customers who buy a policy before maps are adopted and maintain coverage can retain the lower-risk zone rate, saving them as much as 40 percent for the life of the policy. 
-       A policy can be assigned to future property owner.
For more information, visit www.mappingtherisk.com or call 630-CITY (2489).

 




 
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