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Floodplain Management
Latest FEMA Rules Affect Homeowner Flood Insurance Rates
As most private insurance companies do not cover flood, Congress created the National Flood Insurance Program (NFIP) to facilitate flood coverage for private home and business owners. For this program to become available, local governments were charged with floodplain management responsibilities within their jurisdictions. Jurisdictions that enroll into and maintain a good standing in the Community Rating System (CRS) enables discounted flood insurance rates for its residents. Insurance agents should be informed that the City currently maintains a CRS class 7 rating.

Since the inception of the NFIP, subsidized and grandfathered insurance rates were put in place to encourage and enable widespread participation in the program. However, in recent years, a series of mega-storms and disasters severely impacted the program’s financial stability and threatened its sustainability. In 2012, some changes were signed into effect to restructure flood insurance rates nation-wide, resulting in the Biggert-Waters Flood Insurance Reform Act (BW 12) or Flood Insurance Reform Act of 2012. To learn more about the BW 12, and how it may affect you, refer to the following links to federal and state websites and information pamphlets: 

 

Know Your Flood Risk
Floodplain Management is the operation of a community program of corrective and preventative measures for reducing flood damage. These measures take a variety of forms and generally include requirements for zoning, subdivision or building, and special-purpose floodplain ordinances.

Property owners in high risk flooding areas may want to secure additional flood insurance coverage. Property owners in lower risk areas may still experience flooding due to possible localized floods. Other expenses associated with hurricanes may be windstorm damages, debris removal, and new landscaping after severe weather events. 

Hazard Mitigation Action Plan (HMAP)
As part of the FEMA Community Rating System annual recertification process, the City is required to perform an annual review of our Hazard Mitigation Action Plan (HMAP), and to make adjustments as necessary. The City’s HMAP is contained within the county-wide HMAP which was recently updated and approved by FEMA, and will proceed for adoption in Missouri City and the County shortly.

View the City's Hazard Mitigation Action Plan

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