FEMA LETTERSPage 1 of 2
Kosluchar, Jim
From: Kosluchar, Jim
Sent: Wednesday, October 17, 2012 9:20 AM
To: 'Attkisson, Justin'
Subject: RE: Community Acknowledgement Form for LOMA application
Justin:
I scanned and am resending the acknowledgement orm to you for 490 Rice Creek
Boulevard NE, Fridley, MN. Please verify it was received.
Regards,
James Kosluchar
Public Works Director/City Engineer
City of Fridley
6431 !University Ave. NE
Fridley, MN 55432
(763) 572-3552
(763) 571-1287 fax
kosluchad(a-ci.fddley.mn.us
From: Attkisson, Justin[mailto:Justin.Attkisson@Ipsvcs.com]
Sent: Monday, October 01, 2012 2:54 PM
To: Kosluchar, Jim
Subject: FW: Community Acknowledgement Form for LOMA
Hi Jim,
I know it has been quite a while since our last communicatio , but I have been contacted again by our
customer who is relaying concern from the city resident. If possible, please get this form filled out and
submitted back to us as soon as you can so that we can get this taken care of for the resident.
Thank you,
Justin Attkisson, CFM
Compliance Department Assistant Manager
LIPS National Flood
1521 N Cooper St, Ste 400, Arlington, TX 76011
Phone (800) 833-6347 ext 214
Fax (866) 743-1773
J ustin.Attkissonalpsvcs.com
From: Attkisson, Justin
Sent: Friday, August 31, 2012 5:21 PM
To: 'koslucharj@ci.fridley.mn.us'
Subject: Community Acknowledgement Form for LOMA
Hi Jim,
The application packet that was submitted to FEMA is attached, along with a copy of the floodway map
10/17/2012
Page 2 of 2
and the community acknowledgement form. Again, we only need section B of the acknowledgement form filled
out for FEMA. Please let me know if you need anything else to get this taken care of for us.
Thank you,
Justin Attkisson, CFM
Compliance Department Assistant Manager
LPS National Flood
1521 N Cooper St, Ste 400, Arlington, TX 76011
Phone (800) 833-6347 ext 214
Fax (866) 743-1773
J ustin.AttkissonO-Ipsvcs. com
The information contained in this message is proprietary and/or
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10/17/2012
DEPARTMENT OF HOMELAND SECURITY - FEDERAL EMERGENCY MANAGEMENT AGENCY I O.M.B. No. 1660-00is
COMMUNITY ACKNOWLEDGMENT FORM EVIresFebruaryZ8,a014
PAPERWORK BURDEN DISCLOSURE NOTICE
Public reporting burden for this data collection is estimated to average 1.38 hours per response. The burden estimate Includes the time for reviewing instructions,
searching existing data sources, gathering and maintaining the needed data, and completing and submitting the form. This collection is required to obtain or retain
benefits. You are not required to respond to this collection of information unless a valid OMB control number is displayed on this form. Send comments regarding
the accuracy of the burden estimate and any suggestions for reducing this burden to: Information Collections Management Department of Homeland Security,
Federal Emergency Management Agency, 1800 South Bell Street, Arlington, VA 20598-3005, Paperwork Reduction Project (1660-0015). NOTE: Do not send your
completed form to this address.
This form must be completed for requests involving the existing or proposed placement of fill (complete Section A) O$ to provide acknowledgment of this request to
remove a property from the SFHA which was previously located within the regulatory floodway (complete Section B).
This form must be completed and signed by the official responsible for floodplain management in the community. The six digit NFIP community number and the
subject property address must appear in the spaces provided below. incomplete submissions will result in processing delays. Please refer to the MT -1 instructions
for additional Information about this form.
Community Number: 2 7 0 013 Property Name or Address: 490 Rice Creek Blvd. NE
A. BEQUESTS INVOLVING THE PLACEMENT OF FILL
As the community official responsible for floodplain management, I hereby acknowledge that we have received and reviewed this Letter of Map
Revision Based on Fill (LOMB -F) or Conditional LOMR-F request. Based upon the community's review, we find the completed or proposed project
meets or is designed to meet all of the community floodplain management requirements, Including the requirement that no fill be placed in the
regulatory floodway, and that all necessary Federal, State, and local permits have been, or in the case of a Conditional LOMR-F, will be obtained.
For Conditional LOMR-F requests, the applicant has or will document Endangered Species Act (ESA) compliance to FEMA prior to Issuance of the
Conditional LOMB -F determination. For LOMR-F requests, i acknowledge that compliance with Sections 9 and 10 of the ESA has been achieved
independently of FEMA's process. Section 9 of the ESA prohibits anyone from "taking" or harming an endangered species. If an action might harm
an endangered species, a permit is required from U.S. Fish and Wildlife Service or National Marine Fisheries Service under Section 10 of the ESA.
For actions authorized, funded, or being carried out by Federal or State agencies, documentation from the agency showing its compliance with
Section 7(a)(2) of the ESA will be submitted. In addition, we have determined that the land and any existing or proposed structures to be removed
from the SFHA are or will be reasonably safe from flooding as defined in 44CFR 65.2(c), and that we have available upon request by DHS -FEMA, all
analyses and documentation used to make this determination. For LOMR-F requests, we understand that this request is being forwarded to DHS -
FEMA for a possible map revision.
Community Comments:
Community Official's Name and Title: (Please Print or Type)
Telephone No.:
Community Name:
Community Official's Signature: (required)
Date:
B. PROPERTY LOCATED WITHIN THE REGULATORY FLOODWAY
As the community official responsible for floodplain management, I hereby acknowledge that we have received and reviewed this request for a
LOMA. We understand that this request is being forwarded to DHS -FEMA to determine if this property has been inadvertently included In the
regulatory. floodway. We acknowledge that no fill on this property has been or will be placed within the designated regulatory floodway. We find
that the completed or proposed project meets or Is designed to meet all of the community floodplain management requirements.
Community Comments:
Community Official's Name and Title: (Please Print or Type) amen Kosluchar
Telephone No.:
City Engineer/Dir. PW
-7
(763) 572-3550
Community Name:
Com unity Official's Signature (required):
Date:
Fridley, Minnesota
,.
10/2/12
.,�
DHS - FEMA Form 086-0-268, FEB 11 Co4u
Acknowledgment Form MT -1 Form 3 Page 1 of 1
DEPARTMENT OF HOMELAND SECURITY - FEDERAL EMERGENCY MANAGEMENT AGENCY I O.M.B. NO. 1660-0015
COMMUNITY ACKNOWLEDGMENT FORM EVkes Fc1hMAV 28,2014
PAPERWORK BURDEN DISCLOSURE NOTICE
Public reporting burden for this data collection is estimated to average 1.38 hours per response. The burden estimate Includes the time for reviewing instructions,
searching existing data sources, gathering and maintaining the needed data, and completing and submitting the form. This collection is required to obtain or retain
benefits. You are not required to respond to this collection of information unless a valid OMB control number is displayed on this form. Send comments regarding
the accuracy of the burden estimate and any suggestions for reducing this burden to: Information Collections Management Department of Homeland Security,
Federal Emergency Management Agency, 1800 South Bell Street, Arlington, VA 20598-3005, Paperwork Reduction Project (1660-0015). NOTE: Do not send your
completed form to this address.
This form must be completed for requests involving the existing or proposed placement of fill (complete Section A) OR to provide acknowledgment of this request to
remove a property from the SFHA which was previously located within the regulatory floodway (complete Section 8).
This form must be completed and signed by the official responsible for floodplain management In the community. The sic digit NFIP community number and the
subject property address must appear in the spaces provided below. incomplete submissions will result in processing delays. Please refer to the MT -1 instructions
for additional Information about this form.
Community Number: Property Name or Address:
A. REQUESTS INVOLVING THE PLACEMENT OF FILL
As the community official responsible for floodplain management, I hereby acknowledge that we have received and reviewed this Letter of Map
Revision Based on Fill (LOMR-F) or Conditional LOMR-F request. Based upon the community's review, we find the completed or proposed project
meets or is designed to meet all of the community floodplain management requirements, including the requirement that no fill be placed in the
regulatory floodway, and that all necessary Federal, State, and local permits have been, or in the case of a Conditional LOMR-F, will be obtained.
For Conditional LOMR-F requests, the applicant has or will document Endangered Species Act (ESA) compliance to FEMA prior to Issuance of the
Conditional LOMR-F determination. For LOMR-F requests, I acknowledge that compliance with Sections 9 and 10 of the ESA has been achieved
independently of FEMA's process. Section 9 of the ESA prohibits anyone from "taking" or harming an endangered species. if an action might harm
an endangered species, a permit Is required from U.S. Fish and Wildlife Service or National Marine Fisheries Service under Section 10 of the ESA -
For actions authorized, funded, or being carried out by Federal or State agencies, documentation from the agency showing its compliance with
Section 7(a)(2) of the ESA will be submitted. In addition, we have determined that the land and any existing or proposed structures to be removed
from the SFHA are or will be reasonably safe from flooding as defined in 44CFR 65.2(c), and that we have available upon request by DHS -FEMA, all
analyses and documentation used to make this determination. For LOMR-F requests, we understand thatthis request is being forwarded to DHS -
FEMA for a possible map revision.
Community Comments:
Community Official's Name and Title: (Please Print or Type)
Telephone No.:
Community Name:
Community Official's Signature: (required)
Date:
B. PROPERTY LOCATED WITHIN THE REGULATORY FLOODWAY
As the community official responsible for floodplain management, I hereby acknowledge that we have received and reviewed this requestfor a
LOMA. We understand that this request Is being forwarded to DHS -FEMA to determine if this property has been inadvertently included in the
regulatory floodway. We acknowledge that no fill on this property has been or will be placed within the designated regulatory floodway. We find
that the completed or proposed project meets or is designed to meet all of the community floodplain management requirements.
Community Comments:
Community Official's Name and Title: (Please Print or Type)
Telephone No.:
Community Name:
Community Official's Signature (required):
Date:
DHS - FEMA Form 086-0-26B, FEB 11 Community Acknowledgment Foran MT -1 Foran 3 Page 1 of 1
DEPARTMENT OF HOMELAND SECURITY - FEDERAL EMERGENCY MANAGEMENT AGENCY O.M.B. NO.1660-ppis
APPLICATION FORM FOR SINGLE RESIDENTIAL LOT OR STRUCTURE AMENDMENTS TO Expires February 2014
NATIONAL FLOOD INSURANCE PROGRAM MAPS
PAPERWORK BURDEN DISCLOSURE NOTICE
Public reporting burden for this data collection is estimated to average 2.4 hours per response. The burden estimate includes the time for reviewing instructions,
searching existing data sources, gathering and maintaining the data needed, and completing and submitting this form. This collection of information is required to
obtain or retain benefits. You are not required to respond to this collection of information unless a valid OMB control number is displayed on this form. Send
comments regarding the accuracy of the burden estimate and any suggestions for reducingthe burden to: Information Collections Management, Department of
Homeland Security, Federal Emergency Management Agency, 1100 South Bell Street, Arlington, VA 20598-3005. Paperwork Reduction Project (1660.0015) NOTE: Do
not send your completed form to this address.
This form should be used to request that the Department of Homeland Securitys Federal Emergency Management Agency (FEMA) remove a single structure or legally
recorded parcel of land or portion thereof, described by metes and bounds, certified by a registered professional engineer or licensed land surveyor, from a
designated Special Flood Hazard Area (SFHA), an area that would be Inundated by the flood having a 145 -chance of being equaled or exceeded in any given year (base
flood), via Letter of Map Amendment (LOMA). It shall not be used for requests submitted by developers, for requests involving multiple structures or lots, for
property in alluvial fan areas, for property located within the regulatory floodway, or requests involving the placement of fill. (NOTE: Use MT -1 forms for such
requests). Fill is defined as material from any source (including the subject property) placed that raises the grade to or above the Base Flood Elevation (BFE). The
common construction practice of removing unsuitable existing material (topsoil) and backfilling with select structural material is not considered the placement of fill if
the practice does not alter the existing (natural grade) elevation, which Is at or above the BFE. Also, fill that Is placed before the date of the first National Flood
Insurance Program (NFIP) map showing the area in an SFHA is considered natural grade.
LOMA: A letter from DHS -FEMA stating that an existing structure or parcel of land that has not been elevated by
Ell would not be Inundated by the base flood.
A— This section maybe completed by the property owner or by the property owner's agent. In order to process your request, all information on
this form must be completed in Its entirety, unless stated as optional. Incomplete submissions will result in processing delays.
1. Has fill been placed on your property to raise ground that was previously below the BFE?
® No ❑ Yes — if Yes, STOPI I — You must complete the MT -1 application forms, visit
httu://www.fema.eov/olan/Prevent/fhm/dl mt-1 shtm
or call the FEMA Map Information eXchange toll free: (877 -FEMA MAP) (877-336-2627)
2. Legal description of Property (Lot, Block, Subdivision or abbreviated description from the Deed) and street address of the Property (required):
3. Are you requesting that a flood zone determination be completed for (check one):
® A structure on your property? What Is the date of construction? 1967 (MM/YYYY)
❑ A portion of your legally recorded property? (A certified metes and bounds description and map of the area to be removed, certified by a
registered professional engineer or licensed land surveyor, are required. For the preferred format of metes and bounds descriptions,
please refer to the MT -EZ Instructions.)
❑ Your entire legally recorded property?
All documents submitted in support of this request are correct to the best of my knowledge. I understand that any false statement may be
punishable by fine or imprisonment under Title 18 of the United States Code, Section 1001.
Applicant's Name (required): E-mail address (optional) (® By checks here
ng you may receive correspondence
Jennifer Haun electronically at the email address provided):
Jen nifer.Haun@ipsvcs.com
Mailing Address (include Company name If applicable) (required): Daytime Telephone No. (required):
LPS National Flood (800) 833-6347 ext. 158
1521 N Cooper St
0 Floor Fax No. (optional):
ArlinFiton, TX 76011 (866) 914-0524
Signature Jppllcent (required) I Date (required)
4/6/2012
End ofSefthA
DHS - FEMA Form 086-0-22, FEB 11 MT -EZ Form Page 1 of 3
1u1111IN111airM11111'111
Record ID 1717492
1988814.003
Form No. 5-M — WARRANTY DEED
lndivi&=Ks) WJohaTenam
DEED TAX DUE: $1,155.00
Date: August 7, 2006
FOR VALUABLE CONSIDERATION, Robert H. Schroer, a single person, Grantor, hereby conveys and warrants to Michael E.
Schroer and Kimberly L. Schroer, husband and wife, Grantees, as joint tenants, real property in Anoka County, Mirmesota, described
as follows:
Lot Ten (10), Block One (I), Holiday Hills.
together with all hereditaments and appurtenances belonging thereto, subject to the following exceptions:
conditions, restrictions and covenants ofrecord, Vany.
Check box if applicable:
10 The Seller certifies that the seller does not know of any wells on the described real property
O A well disclosure certificate accompanies this document.
M I am familiar with the property described in this instrument and I certify that the status and number of wells on the described real
property have not changed since the last previously filed well disclosure certificatm _
Affix Deed Tax Stamp Here
STATE OF hCWNESOTA
COUNTY OF ANOKA ss.
The instrument was acknowledged before me on August 7, 2006, by
NOTARIAL STAMP OR ML (OR OTHERTRLEOR RMXY
W�;;:'�'�C:HRISTs.km a1, oto
THIS INSTRUMENT WAS DRAFM BY OWS AND ADDRESS}:
Land Title, Inc.
3927 Coon Rapids Boulevard
Coon Rapids, MN 55433-2520
274966
Robert H. Schroer
Robert H. Schroer, role person.
—�stoNA�u�OFrr �t�ucoxo o�crat.
Check hem /Ifp n or all ofthe land is Registered (Tomos)13
Tse Stetameate fortho=4 trtopanyftm bw in &lis hem=un should
be sent W (Muds name mld address ofCiraauek
Michael E. Schroer
490 Rice Creak Boulevard
Fridley, Hnnesots 55432
Gary Songer
From: Matthew Kocian <MKocian@dcecreek.org>
Sent Thursday, March 22, 201212:03 PM
To: Gary Sanger
Subject: RE: My Contact information
Attachments: Floodplain Map 490 Rice Creek Blvd.pdf
Gary,
The Rice Creek Watershed District recently developed new 100 -year Floodplain elevations. The 100 -year flood elevation
of Rice Creek near the property you reference is between 830 and 831 feet (use 830.50 ft). The elevation datum is
NAVD88. See attached figure for clarification.
PLEASE NOTE: The data herein are for general informational purposes only and should not be relied on for any official
purpose. Prediction of flood elevation, or the extent or duration of flooding, is limited in its precision. It is based on
available data as to storm sewer system configurations and natural surface water conveyances, land uses, soils,
topography, and assumptions as to the patterns of rain and snowfall duration and intensity. Municipalities and other
public bodies should confirm the data herein and the accuracy and completeness of the data for their
purposes. Property owners and other interested persons should retain a licensed surveyor or other professional for
specific advice concerning their property and should contact their city for information and assistance concerning federal
flood insurance, flood risks and response. The Rice Creek Watershed District strictly disclaims any and all warranties on
use of the data for any purpose.
Matthew Kocian
Lake and Stream Specialist
Rice Creek Watershed District
4325 Pheasant Ridge Dr. NE, Suite 611
Blaine, MN 55449-4539
Voice: 763.398.3075
Fax: 763.398.3088
mkocian@ricecreek.org
From: Gary Songer jmailto:gsonger umcmn com1
Sent: Thursday, March 22, 2012 11:22 AM
To: Matthew Kocian
Subject: My Contact Information
Matt,
Please use a reply to this email with any supporting data to show the property at 490 Rice Creek Blvd. NE, Fridley.
Thanks for your help.
Gary 612-644-7777
Gary Songer
Mortgage Banker
NMLS # 347268
IL
w
z
File # 1202092
2/13/2012 do
Executive Title, Inc.
490 Rice Creek Boulevard NE, Fridley
Lot 10, Block 1, Holiday Hills
Anoka County
95.31
N
1" = 40'
IRAWACM AND
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-23
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APPROXIMATE SCALE
500 0 500 FEET
NATIONAL FLOOD INSURANCE PROGRAM
FLOODWAY
FLOOD BOUNDARY AND
FLOOOWAY MAP
CITY OF
FRIDLEY,
MINNESOTA
ANOKA COUNTY
PANEL 3 OF 4
(SEE MAP INDEX FOR PANELS NOT PRINTED)
COMMUNITY -PANEL NUMBER
210013 0003
EFFECTIVE DATE;
MARCH 2, 1981
WNW miner ww management egwW
federal insuraftce adminbbvdon
This is an official copy of a portlon of the above referenced good map. It
was Extracted using F -MIT On -Line. This map does not reflect changes
or amendments which may hale been made subsoquent to the date on the
title hock. For the latest product Information about National Flood Insurance
Program flood snaps check the FEMA Flood Map Store at www.msc.femagov
AR ct &at
Federal Emergency Management Agency V71 V-4
SEC'J4 Washington, D.C. 20472
D
November 08, 2012
MS. JENNIFER HAUN CASE NO.: 13-05-0529A
LPS NATIONAL FLOOD COMMUNITY: CITY OF FRIDLEY, ANOKA COUNTY,
1521 NORTH COOPER STREET, 4TH FLOOR MINNESOTA
ARLINGTON, TX 76011 COMMUNITY NO.: 270013
DEAR MS. HAUN:
This is in reference to a request that the Federal Emergency Management Agency (FEMA) determine
if the property described in the enclosed document is located within an identified Special Flood
Hazard Area, the area that would be inundated by the flood having a 1 -percent chance of being equaled
or exceeded in any given year (base flood), on the effective National Flood Insurance Program (NFIP)
map. Using the information submitted and the effective NFIP map, our determination is shown on the
attached Letter of Map Amendment (LOMA) Determination Document. This determination document
provides additional information regarding the effective NFIP map, the legal description of the
property and our determination.
Additional documents are enclosed which provide information regarding the subject property and
LOMAs. Please see the List of Enclosures below to determine which documents are enclosed. Other
attachments specific to this request may be included as referenced in the Determination/Comment
document. If you have any questions about this letter or any of the enclosures, please contact the
FEMA Map Assistance Center toll free at (877) 336-2627 (877 -FEMA MAP) or by letter addressed
to the Federal Emergency Management Agency, Engineering Library, 847 South Pickett Street,
Alexandria, VA 22304-4605.
Sincerely,
Luis Rodriguez, P.E., Chief
Engineering Management Branch
Federal Insurance and Mitigation Administration
LIST OF ENCLOSURES:
LOMA DETERMINATION DOCUMENT (REMOVAL)
cc: State/Commonwealth NFIP Coordinator
Community Map Repository
Region
Page 1 of 2
Date: November 08, 2012Case
No.: 13-05-0529A
LOMA
OQ4�^\fy
b Federal Emergency Management Agency
6 4 Washington, D.C. 20472
�xD sem
LETTER OF MAP AMENDMENT
DETERMINATION DOCUMENT REMOVAL
COMMUNITY AND MAP PANEL INFORMATION
LEGAL PROPERTY DESCRIPTION
CITY OF FRIDLEY, ANOKA
Lot 10, Block 1, Holiday Hills, as described in the Warranty Deed,
COUNTY, MINNESOTA
recorded as Document No. 1986814.003, in the Office of the
Registrar of Titles, Anoka County, Minnesota
COMMUNITY
COMMUNITY NO.: 270013
NUMBER: 2700130003B
AFFECTED
MAP PANEL
DATE: 3/2/1981
FLOODING SOURCE: RICE CREEK
APPROXIMATE LATITUDE & LONGITUDE OF PROPERTY: 45.091, -93.261
SOURCE OF LAT & LONG: ARCGIS 10 DATUM: NAD 83
DETERMINATION
OUTCOME
1%ANNUAL
LOWEST
LOWEST
WHAT IS
CHANCE
ADJACENT
LOT
LOT
BLOCK/
SUBDIVISION
STREET
REMOVED FROM
FLOOD
FLOOD
GRADE
ELEVATION
SECTION
THE SFHA
ZONE
ELEVATION
ELEVATION
(NGVD 29)
NGVD 29)
(NGVD 29
10
1
Holiday Hills
490 Rice Creek
Structure
B
—
838.0 feet
—
Boulevard Northeast
(Residence)
Special Flood Hazard Area (SFHA) - The SFHA is an area that would be inundated by the flood having a 1-percent chance of being
equaled or exceeded in any given year (base flood).
ADDITIONAL CONSIDERATIONS (Please refer to the appropriate section on Attachment 1 for the additional considerations listed below.)
PORTIONS REMAIN IN THE FLOODWAY
STUDY UNDERWAY
This document provides the Federal Emergency Management Agency's determination regarding a request for a Letter of Map Amendment for
the property described above. Using the information submitted and the effective National Flood Insurance Program (NFIP) map, we have
determined that the structure(s) on the property(ies) is/are not located in the SFHA, an area inundated by the flood having a 1-percent chance of
being equaled or exceeded in any given year (base flood). This document amends the effective NFIP map to remove the subject property from
the SFHA located on the effective NFIP map; therefore, the Federal mandatory flood insurance requirement does not apply. However, the
lender has the option to continue the flood insurance requirement to protect its financial risk on the loan. A Preferred Risk Policy (PRP) is
available for buildings located outside the SFHA. Information about the PRP and how one can apply is enclosed.
This determination is based on the flood data presently available. The enclosed documents provide additional information regarding this
determination. If you have any questions about this document, please contact the FEMA Map Assistance Center toll free at (877) 336-2627
(877-FEMA MAP) or by letter addressed to the Federal Emergency Management Agency, Engineering Library, 847 South Pickett Street,
Alexandria, VA 22304-4605.
Luis Rodriguez, P.E., Chief
Engineering Management Branch
Federal Insurance and Mitigation Administration
Page 2 of 2
Date: November 08, 2012
Case No.: 13-05-0529A
LOMA
Federal Emergency Management Agency
Washington, D.C. 20472
SND S6�
LETTER OF MAP AMENDMENT
DETERMINATION DOCUMENT (REMOVAL)
ATTACHMENT 1 (ADDITIONAL CONSIDERATIONS)
PORTIONS OF THE PROPERTY REMAIN IN THE FLOODWAY (This Additional Consideration applies to
the preceding 1 Property.)
A portion of this property is located within the Special Flood Hazard Area and the National Flood Insurance
Program (NFIP) regulatory floodway for the flooding source indicated on the Determination/Comment Document
while the subject of this determination is not. The NFIP regulatory floodway is the area that must remain
unobstructed in order to prevent unacceptable increases in base flood elevations. Therefore, no construction
may take place in an NFIP regulatory floodway that may cause an increase in the base flood elevation, and any
future construction or substantial improvement on the property remains subject to Federal, State/Commonwealth,
and local regulations for floodplain management. The NFIP regulatory floodway is provided to the community as
a tool to regulate floodplain development. Modifications to the NFIP regulatory floodway must be accepted by
both the Federal Emergency Management Agency (FEMA) and the community involved. Appropriate community
actions are defined in Paragraph 60.3(d) of the NFIP regulations. Any proposed revision to the NFIP regulatory
floodway must be submitted to FEMA by community officials. The community should contact either the Regional
Director (for those communities in Regions I-IV, and VI-X), or the Regional Engineer (for those communities in
Region V) for guidance on the data which must be submitted for a revision to the NFIP regulatory floodway.
Contact information for each regional office can be obtained by calling the FEMA Map Assistance Center toll free
at (877) 336-2627 (877-FEMA MAP) or from our web site at http://www.fema.gov/about/regoff.htm.
STUDY UNDERWAY (This Additional Consideration applies to all properties in the LOMA
DETERMINATION DOCUMENT (REMOVAL))
This determination is based on the flood data presently available. However, the Federal Emergency
Management Agency is currently revising the National Flood Insurance Program (NFIP) map for the community.
New flood data could be generated that may affect this property. When the new NFIP map is issued it will
supersede this determination. The Federal requirement for the purchase of flood insurance will then be based on
the newly revised NFIP map.
This attachment provides additional information regarding this request. If you have any questions about this attachment, please contact the
FEMA Map Assistance Center toll free at (877) 336-2627 (877-FEMA MAP) or by letter addressed to the Federal Emergency Management
Agency, Engineering Library, 847 South Pickett Street, Alexandria, VA 22304-4605.
Luis Rodriguez, P.E., Chief
Engineering Management Branch
Federal Insurance and Mitigation Administration
Federal. Emergency Management Agency
Washington, D.C. 20472
ADDITIONAL INFORMATION REGARDING
LETTERS OF MAP AMENDMENT
When making determinations on requests for Letters of Map Amendment (LOMAs), the Department of
Homeland Security's Federal Emergency Management Agency (FEMA) bases its determination on the
flood hazard information available at the time of the determination. Requesters should be aware that
flood conditions may change or new information may be generated that would supersede FEMA's
determination. In such cases, the community will be informed by letter.
Requesters also should be aware that removal of a property (parcel of land or structure) from the Special
Flood Hazard Area (SFHA) means FEMA has determined the property is not subject to inundation by the
flood having a I -percent chance of being equaled or exceeded in any given year (base flood). This does
not mean the property is not subject to other flood hazards. The property could be inundated by a flood
with a magnitude greater than the base flood or by localized flooding not shown on the effective National
Flood Insurance Program (NFIP) map.
The effect of a LOMA is it removes the Federal requirement for the lender to require flood insurance
coverage for the property described. The LOMA is not a waiver of the condition that the property owner
maintain flood insurance coverage for the property. Only the lender can waive the flood insurance
purchase requirement because the lender imposed the requirement. The property owner must request and
receive a written waiver from the lender before canceling the policy. The lender may determine, on its own
as a business decision, that it wishes to continue the flood insurance requirement to protect its financial
risk on the loan.
The LOMA provides FEMA's comment on the mandatory flood insurance requirements of the NFIP as
they apply to a particular property. A LOMA is not a building permit, nor should it be construed as such.
Any development, new construction, or substantial improvement of a property impacted by a LOMA must
comply with all applicable State and local criteria and other Federal criteria.
If a lender releases a property owner from the flood insurance requirement, and the property owner decides
to cancel the policy and seek a refund, the NFIP will refund the premium paid for the current policy year,
provided that no claim is pending or has been paid on the policy during the current policy year. The
property owner must provide a written waiver of the insurance requirement from the lender to the property
insurance agent or company servicing his or her policy. The agent or company will then process the
refund request.
Even though structures are not located in an SFHA, as mentioned above, they could be flooded by a
flooding event with a greater magnitude than the base flood. In fact, more than 25 percent of all claims
paid by the NFIP are for policies for structures located outside the SFHA in Zones B, C, X (shaded), or X
(unshaded). More than one-fourth of all policies purchased under the NFIP protect structures located in
these zones. The risk to structures located outside SFHAs is just not as great as the risk to structures
located in SFHAs. Finally, approximately 90 percent of all federally declared disasters are caused by
flooding, and homeowners insurance does not provide financial protection from this flooding. Therefore,
FEMA encourages the widest possible coverage under the NFIP.
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The NFIP offers two types of flood insurance policies to property owners: the low-cost Preferred Risk
Policy (PRP) and the Standard Flood Insurance Policy (SFIP). The PRP is available for 1 -to 4 -family
residential structures located outside the SFHA with little or no loss history. The PRP is available for
townhouselrowhouse-type structures, but is not available for other types of condominium units. The SFIP
is available for all other structures. Additional information on the PRP and how a property owner can
quality for this type of policy may be obtained by calling the Flood Insurance Information Hotline, toll free,
at 1-800427-4661. Before making a final decision about flood insurance coverage, FEMA strongly
encourages property owners to discuss their individual flood risk situations and insurance needs with an
insurance agent or company.
FEMA has established "Grandfather" rules to benefit flood insurance policyholders who have maintained
continuous coverage. Property owners may wish to note also that, if they live outside but on the fringe of
the SFHA shown on an effective NFIP map and the map is revised to expand the SFHA to include their
structure(s), their flood insurance policy rates will not increase as long as the coverage for the affected
structure(s) has been continuous. Property owners would continue to receive the lower insurance policy
rates.
LOMAs are based on minimum criteria established by the NFIP. State, county, and community officials,
based on knowledge of local conditions and in the interest of safety, may set higher standards for
construction in the SFHA. If a State, county, or community has adopted more restrictive and
comprehensive floodplain management criteria, these criteria take precedence over the minimum Federal
criteria.
In accordance with regulations adopted by the community when it made application to join the NFIP,
letters issued to amend an NFIP map must be attached to the community's official record copy of the map.
That map is available for public inspection at the community's official map repository. Therefore, FEMA
sends copies of all such letters to the affected community's official map repository.
When a restudy is undertaken, or when a sufficient number of revisions or amendments occur on particular
map panels, FEMA initiates the printing and distribution process for the affected panels. FEMA notifies
community officials in writing when affected map panels are being physically revised and distributed. In
such cases, FEMA attempts to reflect the results of the LOMA on the new map panel. If the results of
particular LOMAs cannot be reflected on the new map panel because of scale limitations, FEMA notifies
the community in writing and revalidates the LOMAs in that letter. LOMAs revalidated in this way
usually will become effective 1 day after the effective date of the revised map.
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