Welcome to the Flood Zone is a nationally distributed resource for those interested in flood zone issues, land surveying, real estate, history, and educational opportunities. This newsletter has been proudly featured by the Association of State Floodplain Managers, the National Society of Professional Surveyors, and the Maine and New Hampshire Floodplain Management Programs. Please feel free to share with your friends and colleagues!

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In this Issue of Welcome to the Flood Zone:

Maine NFIP Corner: Maine Local Code Officials: ASFPM Needs Your Help
Real Estate Corner: "More States Are Requiring Flood Disclosure"
In the News: "Dramatic Plan to Expand Flood Areas Could Force Millions to Buy Insurance"
Resources: "National Flood Insurance Program (NFIP) Congressional Reauthorization Guidance" and "Cost of Flood Insurance for Single-Family Homes under NFIP’s Pricing Approach"

Banner Image: Image from "Fallen Leaves Can Lead to Flooded Streets" by SPUMedia, October 12, 2021


Maine NFIP Corner

Sue Baker, CFM, State NFIP Coordinator

ATTENTION Maine Local Code Officials:
ASFPM Needs Your Help
Floodplain Management: Local Programs Assessment Update

The Association of State Floodplain Managers (ASFPM) is planning to update the *“Floodplain Management: Local Programs Assessment”* last published in 2016. The report is a comprehensive assessment of local floodplain management programs in the United States.

Within the next few months, ASFPM is planning to send a questionnaire to some local floodplain managers in the state. I would like to target communities in Maine that are willing to spend 30-60 minutes to respond to this important survey. If you are a local code official and are interested in participating, please send me an e-mail at sue.baker@maine.gov.

ASFPM is hoping to have the report completed and published by Summer 2024. Should you have any questions, please feel free to contact me. Thank you in advance for your time and consideration.


Debris piled up outside a home in the Queens, NY, neighborhood of Oceanside, damaged by flooding from Hurricane Sandy. Credit: Walt Jennings/FEMA

Real Estate Corner

More States Are Requiring Flood Disclosure

By: Joel Scata, Natural Resources Defense Council, August 31, 2023

New home buyers and renters should have a right to know a property’s flood history and risk before they commit to calling it home. However, most states keep prospective home buyers and renters in the dark about a home’s flood risk due to inadequate or nonexistent flood-related real estate disclosure laws.

Fortunately, that is starting to change.

NRDC has updated its scorecard of state flood disclosure laws. Since the last update in 2020, five states have improved their disclosure laws. New Jersey, New York, North Carolina, South Carolina, and Hawaii have all enacted — or started the ball rolling on — disclosure reforms that would give home buyers a right to know a home’s flood risk. New York and New Jersey have new laws that give similar rights to renters.

Click here to learn more!


A flooded neighborhood in Merced, Calif., in January. Credit: Josh Edelson/AFP via Getty Images

In the News

Dramatic Plan to Expand Flood Areas Could Force Millions to Buy Insurance

By: Thomas Frank, E&E News, October 27, 2023

It’s a glaring weak spot in climate protection: Millions of U.S. residents don’t have flood insurance and face financial ruin if their home is inundated.

But the nation’s insurance gap would shrink under a dramatic proposal that could require millions of property owners to buy flood coverage for the first time, potentially costing them thousands of dollars a year.

The proposal by a federal advisory panel urges the government to expand the areas considered by regulators to be at high risk of flooding, according to a report by the panel that was provided to E&E News.

Click here to read the full article.




National Flood Insurance Program (NFIP) Congressional Reauthorization Guidance

Congress must periodically renew the NFIP’s statutory authority to sell flood insurance and borrow funds from the U.S. Treasury to carry out the NFIP.

On Sept. 30, 2023, the president signed legislation passed by Congress that extends the NFIP’s authorization to Nov. 17, 2023.

Congress must now reauthorize the NFIP by no later than 11:59 p.m. on Nov. 17, 2023, to avoid a lapse in authority to sell flood insurance and borrow funds.

Click here to learn more.

Cost of Flood Insurance for Single-Family Homes under NFIP’s Pricing Approach

The National Flood Insurance Program (NFIP) uses its approach to calculate flood insurance rates based on a unique combination of rating variables for each property to reflect its flood risk.

This resource shares examples that show the cost of flood insurance for single-family homes under NFIP’s pricing approach, using data from single-family policies renewed before Sept. 30, 2022. These exhibits will be updated and revised once all policyholders have renewed their policies under NFIP’s pricing approach.

Click here to learn more.


November Flood Funny


Image by Ken Stark, 2018.

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