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FEMA Flood Map Revisions

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Flood insurance premiums and building code requirements are dictated by the Federal Emergency Management Agency (FEMA) Flood Insurance Rate Maps (FIRM) sometimes referred to as FEMA flood zone maps, which rank areas relative to their hazard level. For coastal areas such as many areas of Florida, the maps are prepared through analyses of the nearshore coastal processes such as storm surge, wave propagation, erosion, currents, etc. Due to the large scale of these analyses; there is often potential for modifying a specific flood map for a property through a more detailed evaluation of the coastal processes.

Cummins | Cederberg has extensive experience in developing detailed coastal studies in Florida according to FEMA standards and subsequently processing applications for proposed flood map revisions, e.g. Letter of Map Revision (LOMR) and Conditional Letter of Map Revision (CLOMR). A successful flood map revision can potentially provide a property owner significant cost savings in the flood insurance premium due to the reduced risk level. If the flood map revision is conducted prior to new construction on the property, the benefits are even greater, as building code requirements will likely be milder.

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