Proposed Changes to Coastal FEMA Flood Insurance
Now Available for Review
The Federal Emergency Management Agency (FEMA) has released new Flood Insurance Rate Maps (FIRMs) for the coastal areas of the town of South Kingstown that will become effective in July 2013. Map changes are based on new studies and more accurate elevation data.
Fourteen (14) of the thirty-one (31) FIRM panels, which cover areas along the shoreline and coastal salt ponds in the Town, are impacted. These changes can affect the amount and type of federal flood insurance property owners in these areas are required to carry. Proposed new maps can be viewed here or in the Building Official’s office in Town Hall. Additional information is available below.
Property owners are encouraged to review the proposed flood maps to learn about their flood risk and identify any concerns or questions about the information provided. A public comment period on these revised map panels is open until November 8, 2012.
If you have a mortgage from a federally-regulated lender and you are mapped into a Special Flood Hazard Area, then by federal law, your lender must require you to carry flood insurance when these flood maps become effective. Please also note that the determination of your property’s flood zone is approximate, and that the final flood zone determination for flood insurance purposes is the responsibility of your mortgage lender and the insurance company writing the flood policy.