The Yavapai County Flood Control District (YCFCD) and the Federal Emergency Management Agency (FEMA) are processing a comprehensive Physical Map Revision (PMR) of several flood hazard areas within Yavapai County. 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.
The new Flood Insurance Rate Maps (FIRMs) will tentatively be effective in the summer of 2018, and at that time, if you have a loan, your mortgage lender will be informed of your property’s new flood zone status. If you carry a mortgage from a federally regulated or insured lender and are newly mapped into a high risk area, you will be required to purchase flood insurance. Please keep in mind that, if you do not purchase the insurance within 45 days after being informed by your lender that flood insurance is required, your lender is required to obtain insurance and charge you for the amount, which could be more costly. Although the YCFCD is not an insurance provider, we want to help you understand your flood insurance options. As the owner of a newly mapped property, you may qualify for a lower-cost rating option through the federally-supported National Flood Insurance Program (NFIP) and purchasing a policy before the maps become effective will not only provide you financial protection but also may extend your savings. Contact your insurance agent to find out what option works best for you.
You can view your property and the new preliminary maps by clicking on the “Property Search Tool” button above, and entering your parcel number or address. You will need to turn on the layer “Proposed Flood Hazard Zones” to see the proposed flood hazard limits.