The Yavapai County Flood Control District (YCFCD), in conjunction with the Federal Emergency Management Agency (FEMA), Coconino County Flood Control District (CCFCD) and the City of Sedona, has started a multi-year study and remapping of the different flood hazard areas along Oak Creek. The first phase of the study should be completed by Fall 2018 and result in draft flood maps, known as Flood Insurance Rate Maps (FIRMs), from Sterling Canyon in Coconino County, through the City of Sedona, past Cornville, and down to where Oak Creek empties into the Verde River. When these draft maps eventually become final, residents and business owners along Oak Creek will better understand their current flood risk and be able to make more informed decisions on insuring and protecting their home or business against future floods.
Current Oak Creek flood maps are outdated. New flood maps will provide a better understanding of today’s flood risk and help guide creating a safer, more resilient place to live and work.
Why Oak Creek Flood Maps Need Updating
The current flood maps for Oak Creek and adjacent streams are based on studies and technology more than 30 years old and no longer accurately represent the area’s flood risk. The area has seen significant growth since the early 1980s and experienced large rainfall events, including two significant floods and Sedona’s flood of record. As a result, drainage patterns have changed. In addition, technology used to estimate flood risks has greatly improved. Using the state-of-the-art aerial mapping and risk modeling techniques along with 30-plus additional years of rainfall information, these new flood maps will show – on a property-by-property basis – the current level of flood risk along Oak Creek.
Updated Flood Maps Mean a Safer Community
By showing the extent to which areas along Oak Creek and individual properties are at risk for flooding, the new maps will help guide financial protection, planning, investment, building, development and renovation decisions.
- Residents and business owners will understand their current flood risk and be able to make better decisions about insuring and protecting their property against floods.
- Community planners, local officials, builders and developers will have more updated information to guide building and remodeling decisions, resulting in a more resilient community.
- Lending and realty professionals will be better able to inform clients of the risk factors that may affect the property they are buying or selling as well as any flood insurance requirements.
- Insurance professionals will have a better understanding of their clients’ flood risk and offer the best insurance options.
Changing Flood Risks Mean Changing Building and Flood Insurance Requirements
While it will be several years before the flood maps will become effective, when they do, it may affect building, remodeling and home purchase decisions as well as flood insurance requirements and costs. When the new flood maps are adopted, all buildings and remodeling must be done in accordance with the new flood zones and Base Flood Elevations (BFEs) shown on the new map. In addition, most homes and businesses with a mortgage that are newly identified to be at high risk will be required to carry flood insurance; however, the National Flood Insurance Program (NFIP) provides insurance rating options that can result in cost savings on flood insurance. Mortgaged buildings which are identified to no longer be at high risk, but instead be at a moderate-low flood risk, will stop being federally required to carry flood insurance when the maps become effective (though the lender can still require it). However, flood insurance is strongly recommended as the risk has been only reduced, not removed. Many property owners will qualify to convert their current policy to a lower-cost Preferred Risk Policy, with premiums currently starting at less than $200 a year.
This restudy of the Oak Creek flood hazards will occur in phases over the next several years. The process for reviewing and adopting the updated maps will include ample time to address questions and concerns that residents and business owners may have about how the changes could affect them. A project kick-off public meeting was held at the start of the project in May 2017 and another public meeting will be held when the first phase of the study and draft maps are completed, which is targeted for the fall of 2018. Notices informing residents and business owners along Oak Creek will be mailed in advance of the meetings, information posted on the counties’ and city’s websites, and shared with the local media.
Residents and business owners with questions about the project can contact their respective county or city official listed below. In additions, current flood maps can be viewed at the local office or at https://msc.fema.gov .
Yavapai County Flood Control District
Coconino County Flood Control District
City of Sedona