Some points to
consider from our City Engineer
FEMA Information Website: www.floodsmart.gov
- A property fronting the Belvedere Lagoon has been designated
by the new FEMA Flood Maps as Zone AE. If you own a property
that fronts the Lagoon, it will be in listed in the new zone
effective May 2009. The Zone AE designation means that there
is a 1% chance of flooding annually.
- You are NOT required to obtain flood insurance unless you
have an existing loan backed by the federal government.
- Flood insurance through the Federal Program is available
directly through your existing home insurance agent.
- If you obtain flood insurance before May 9 you will be locked
into a significantly lower rate for the future than if you
initiate coverage after May 9.
- You may be eligible for an even better rate if you can demonstrate
that the lowest floor of your living area is above the Flood
Level. A registered engineer or Surveyor must make this determination.
- The new flood zone designations are based on information
that FEMA has gathered since the last maps were issued in 1977
this includes any recent projects that have impacted the area.
- FEMAs maps now indicate that Belvedere Lagoon will be impacted
by flooding from both Belvedere Cove and Richardson Bay. While
we could raise the San Rafael Avenue Seawall to prevent flooding
from the north, there is no reasonable way to create a barrier
along Beach Road at the Cove. Thus, flood insurance will still
be required, despite any raising of the San Rafael Avenue Seawall.
- At a recent City Goals Meeting the City Council decided to
delay the San Rafael Avenue Seawall project until FEMA makes
a final determination of necessary height and during that interim
seek Federal Funding Assistance for the project and make necessary
remedial repairs to the decomposite granite pathway.
- For more info please check the FEMA website at www.floodsmart.gov or
by calling 888.435.6637