The Federal Emergency Management Agency (FEMA) is issuing new Flood Insurance Rate Maps that will become effective on January 20, 2016.
The City of O’Fallon, as well as all communities in St. Charles County, will be required by the Federal Emergency Management Agency (FEMA) to adopt the new enhanced Flood Insurance Rate Maps. These maps must be adopted by the City prior to January 20, 2016, or the City will not be eligible for disaster assistance and the residents of the City will lose the ability to purchase flood insurance through the National Flood Insurance Program. The new maps are based on scientific studies of the streams in our area and have been updated based on this information.
The changes in these maps may affect your need to purchase flood insurance or the premium rate that may be available to you when you purchase flood insurance. The City of O’Fallon is providing you this notice so that you become aware of the regulation changes that may affect you.
What does this mean to you?
Some residences have been placed in the floodplain, some residences were removed from the floodplain, and some residences have been restored to the floodplain after being formerly removed from the floodplain by a FEMA Letter of Map Change.
Please check with your insurance agent. You may not have been required to have flood insurance prior to the new map, but you may need to obtain flood insurance now. Have your insurance agent check about grandfathering within FEMA rules – this may save money on your flood insurance premiums.
If it appears that the map change will have a negative impact on your property it is important that you contact your insurance agent before the new maps have been adopted. You may be able to get a temporary reduced premium prior to the adoption of the new maps.
What if I don't agree with this flood map decision?
If you are a property owner who believes that your home has been incorrectly mapped in the floodplain, you can apply to FEMA to have the flood plain map amended. Please visit http://www.floods.org/ace-files/documentlibrary/committees/Insurance/LOMA-OAS_Instructions-MN.pdf for detailed instructions on how to apply for a Letter of Map Amendment.