Flood Zone Information
Posted by PRO Tue, 16 Jan 2007 19:32:00 GMT
When researching flood zone information it is important to use only FEMA sources for validating the facts. Some public records reports may contain flood zone codes but it is strongly recommended that you confirm that information through FEMA sources. Flood maps are inexpensive and can be purchased through http://www.fema.gov/.
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Pinellas County FIRM Viewer Report |
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Map Effective Date |
This is the effective date of the FEMA flood zone map. The Map Effective Date is an important piece of information to validate when researching property. You may encounter situations in which the lender is working with outdated maps and may not have the most current flood zone information. It is important to note that the flood zone information on this map is based on FEMA data. While the information is available through Pinellas County, FEMA is the authoritative source for determining flood zones. |
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Primary Flood Zone |
This is determined by FEMA and indicates whether or not the property is in a flood zone. Primary Flood Zone designations that start with either an "A" or "V" require mandatory flood insurance. Primary Flood Zone designations that start with either a "D" or "X" do not require flood insurance, but a good risk management practice is to recommend flood insurance to buyers who are in flood zones D and X. The cost of the insurance is relatively inexpensive. In a statement made by FEMA representatives in early 2005 they indicated that in a storm situation, 40% of the flooding occurs in non-flood zones. Typically, homeowner’s insurance does not cover flooding that is a result of a storm. |
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Flood Panel Id |
The Flood Panel Id indicates the section of the FEMA map where the property is located. When contacting FEMA regarding a property, you must refer to this number. |
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Zone Designations |
The Flood Zone designations are definitions created by FEMA based on the Flood Insurance Study. To access this information, click here. |