FEMA Floodplain Town Hall
The City of Madison Engineering Department hosted a community town hall meeting to discuss information related to the proposed changes to the effective FEMA floodplain and floodway of Indian Creek Tributary 1.
Q: Floodplain proposed change only affect the homes north of Eastview Drive?
A: Affect from Eastview, South along the creek, past Railroad bridge to Slaughter
Q: Is it correct to assume that there is no flood insurance impact as long as the floodplain does not cover the home foundation?
A: If the floodplain (Special Flood Hazard Area) impacts the structure, insurance is required for federally backed mortgages. Elevation Certificates provide documentation to establish structure elevation and determines if reduced insurance is feasible through the mortgage company.
If the Floodplain is impacting the lot only, insurance requirements is at discretion of the mortgage company.
Q: Do residents have any recourse to object to the proposed changes in the FEMA floodplain?
A: Yes, this is the reason for public notification on floodplain change. There is also an appeals process during the submittal to FEMA as identified in power point outline.
Q: Is there a map of which houses the proposed floodplain changes will affect?
A: Yes maps are provided above.
Q: Who/ What entity notifies the mortgage companies?
A: Once the new map is effective residents are notified by the city and can contact their mortgage company and get a new evaluation on insurance requirements.
Q: How does the overall process work?
A: The process is defined in stages:
-The area is evaluated & Public meeting on planned submittal to FEMA (4 mo.)
-Refine and Submit to FEMA (1 mo.)
-FEMA reviews (3 mo.)
-FEMA approval and goes through appeals process (3 mo.)
-Map becomes effective and notifies city who then notifies residents (1 mo.)
-Approx. One year process total
Q: Do you know the elevation of homes?
A: Elevation Certificates are acquired by residents and will need to be submitted to city. Residents will need to supply elevation certificates (Only valid/effective for one year)
Q: Can flood easement be given back to home owner once map changes?
A: Easement vacation can be looked at on case by case basis and request must be submitted to city by resident. Easement vacation is a 3 month process.
Q: How can residents determine if affected?
A: Improvement per proposed map change subject to approval and FEMA approval but proposed affected properties can be viewed on city map at madisonal.gov
Q: Why are we paying for flood studies and not the developers?
A: Developers only do studies that apply for their subdivision areas, City is performing overall basin studies. City needs to also have something all-inclusive to ensure what is submitted by developers is acceptable for development as well as not affect existing neighbors.