Flood Maps Updated
FEMA is updating its Flood Insurance Rate Maps for the first time in a decade. These new maps take into account historical storm data, height above sea level, and other factors. The new maps go into effect August 16.
With the updated maps, on Skidaway Island 1,162 properties will move from high-risk to moderate-risk zones, resulting in lower flood insurance premiums. (Only 47 properties are moving from moderate risk to high risk zones.)
Properties located in the high-risk zones (AE and VE; the 100-year floodplain) are currently eligible for a 25% flood insurance premium discount, if they are compliant with FEMA standards.Properties located in the moderate-risk zone (0.2 Percent) are considered to be in the 500-year floodplain and are eligible for a 10% flood insurance discount.Properties located in the low-risk zone (X) are also eligible for a discount of 10%.
The current average flood insurance premium on Skidaway Island is roughly $670. You can read more complete details here: https://landings.org/sites/default/files/resources/Incorporation/Analysis%20of%20Flood%20Zones.pdf.
If you would like to see which flood zone your property is in now and which it will be in as of August 16, The Landings Association has partnered with Ecological Planning Group on a website to search this information. Go to http://georec.maps.arcgis.com/apps/webappviewer/index.html?id=72bc73201cf9452dba9e3ecb7e16c63b.
Type your address in the address bar in the upper, left-hand corner. You also can search by property owner name or Property Identification Number (PIN). This will bring up your property card and show Effective Zone Type, which is your current zone, your Effective BFE, which is your Base Flood Elevation, and Future Flood Zone and Future BFE, which go into effect August 16, 2018.
For reference, the Base Flood Elevation (BFE) is the level to which floodwater is anticipated to rise during a 100-year flood, which has a 1% chance of happening in any given year. FEMA requires that construction of the lowest finished floor elevation be above the BFE. Chatham County requires that construction of the lowest finished floor be one foot above the BFE.
The reduction in BFE generally means that structures previously constructed to code will now have even more separation between the floodwater line and the lowest finished floor, thus making them less subject to flooding based on the 100-year storm.
Below is an example for Landings Harbor Marina from the website noted above:
You also can utilize the Georgia Department of Natural Resources mapping tool to obtain flood-related information about your property. This site can be accessed using the following link: http://map.georgiadfirm.com/.
Alternatively, we have large-format maps of the current and future flood zones in our Landings Association Admin Building (600 Landings Way South). You can view these maps during normal business hours (Monday-Friday, from 8 a.m. to 5 p.m.).
If you’re more comfortable speaking with someone in person, The Landings Association has scheduled a drop-in Open House for August 7 from 2-5 p.m. There will be no formal presentation, but during this time, you can stop by for a few minutes and chat with representatives from Ecological Planning Group as well as from a flood insurance specialist to discuss what these changes might mean for you.