FEMA Open House Frequently Asked Questions

What changes will we see on the new Flood Insurance Rate Map (FIRM)?
Some buildings may be included in the high-risk area for the first time. This area is known as a Special Flood Hazard Area (SFHA). However, some buildings may no longer be in the SFHA.

• If the building is currently mapped in an SFHA, but will be outside the SFHA on the new FIRM, flood insurance is no longer federally required. Flood insurance is still recommended, for both homeowners and renters.
• Mortgage companies or lenders may still require you to buy flood insurance.

Can I view my home on the new preliminary FIRM before the Open House?
Yes. You can view an address on the preliminary map at https://msc.fema.gov/fmcv. Call the FEMA Mapping and Insurance eXchange (FMIX) at 877-336-2627 to get specific details about your location.

Who should attend the Flood Risk Open House?
Everyone should attend a Flood Risk Open House, especially if:

• Your property is currently mapped within an SFHA.
• Your property is newly mapped within an SFHA.
• You currently have flood insurance.
• You are not sure or want to learn more.

If you are unsure of your flood risk, you can view the preliminary FIRM at https://msc.fema.gov/fmcv. You can
also call the FMIX at 877-336-2627.

What happens at the Flood Risk Open House?
Property owners can meet one-on-one with FEMA representatives. They will discuss the preliminary FIRM updates. They can also ask and answer questions about flood insurance.

Do I have to stay at the Open House for the entire time?
No. You can drop in at any time between the hours listed. Plan to spend about an hour at the Open House to get the details you need.
The Open House is set up so you can move between information stations. You may choose which stations or experts to visit.

What should a homeowner bring to the Flood Risk Open House?
Bring an address to learn more about that property’s flood risk. A current flood insurance policy or elevation certificate may provide more specific details about your flood insurance options.

Do I have to buy flood insurance?
Flood insurance rates are determined in part by the FIRM that is in effect at the time.

• If the new preliminary FIRM shows your property in a high-risk flood area, and you have a mortgage through a government-backed lender:
  • You must buy flood insurance.
  • This is required once the preliminary FIRM goes into effect.
  • There is time—updated maps are planned to go into effect in late 2024.
  • Wherever it rains, it can flood. Buying flood insurance is a good idea for property owners and renters, even in low-risk areas.

Can I buy insurance at the Open House?
No. Flood insurance is available through the National Flood Insurance Program (NFIP), a federally underwritten program. You can buy an NFIP policy through any state-licensed property and casualty insurance agent. A specialized agent provides insurance options; they can help you decide which is best for you. Find an agent at FloodSmart.gov.

Can I change the new maps?
You can formally appeal information that is on the new maps. The Open House is a great place to learn more about the appeal process. This includes how to file an appeal or comment. You can learn more about the process here.