The Mint, American, Zone A, and Yarnell Physical Map Revision
Effective February 15, 2019
The Yavapai County Flood Control District and the Federal Emergency Management Agency (FEMA) have completed a comprehensive Physical Map Revision (PMR) of the flood hazard area along the various creeks in Yavapai County. The new flood maps, known as Flood Insurance Rate Maps (FIRMs) will become effective February 15, 2019. These detailed maps will help property owners better understand their current flood risk and help them make more informed decisions about how to protect family and property in the event of a flood. To see your current flood risk and if it has changed, click on the “Property Search Tool” button and enter your parcel number or address, and turn on the proposed floodplain layer.
If you find on the new maps that your building will now be in a high-risk flood zone (e.g., Zone A, AE), most lenders will require flood insurance when they become effective. Please keep in mind that, if you do not purchase the insurance within 45 days after being informed by your lender of this requirement, your lender is federally required to obtain insurance and charge you for the amount, which could be much more expensive. Even if you don’t have a loan, you are still strongly encouraged to carry flood insurance.
Although the Yavapai County Flood Control District (YCFCD) is not an insurance provider, we want to help you understand your flood insurance options. If your property is newly identified to be at high risk, you may qualify for a lower-cost rating option through the federally-supported National Flood Insurance Program (NFIP). If a policy is bought within the first 12 months after the map’s effective date, the NFIP provides savings by allowing lower-cost Preferred Risk Policy (PRP) rates to be used. Premiums will then increase no more than 18 percent each year. Additional savings can be had if the PRP policy is purchased and effective before the maps become effective. Contact your insurance agent to find out what option works best for you.