Flood Insurance Rate Maps Revised
The U.S. Army Corps of Engineers (USACE) completed and certified the restoration of the Santa Ana River flood control system from Imperial Highway to the Pacific Ocean. The Federal Emergency Management Agency (FEMA) and Orange County were required to identify the underlying floodplains or "special flood hazard areas" that remain due to local storm-water flooding after the protection from the Santa Ana River was in place. The identification of the underlying floodplains was completed for the majority of this area and Letters of Map Revision were issued with an effective date of June 14, 2000. The identification of underlying floodplains for sections of Fountain Valley and Huntington Beach had not been completed at that time. The flood study for the remaining areas of Fountain Valley has now been completed and a Letter of Map Revision has been issued effective January 10, 2001 to formally change the Flood Insurance Rate Map. The remaining analysis for Huntington Beach is expected to be completed by the end of February 2001.
This Letter of Map Revision removes the A99 special flood hazard area in southwestern Fountain Valley, from Newland Street in the west to Bristol Street in the east, and from Slater Avenue in the north to Garfield Avenue in south. This area has been converted from a Zone A99 area into a flood Zone X where flood insurance is not required by federally regulated lenders.
Find Out If your Property has been Removed from the Zone A99 and Placed in Zone X
A composite reference map of Fountain Valley has been provided to give a general idea of the areas that have been removed from the Santa Ana River based flood Zone A99. If your property will be placed in a Zone X you may be eligible for a refund from your current flood insurance policy. See the instructions below under the heading "Flood Insurance Premium Refunds Available After January 10, 2001". To actually determine if your property has been removed from the Zone A99 and placed in a Zone X you should inspect the revised flood map panels attached to the Letter of Map Revision that was sent to your community officials.
Flood Zone Definitions
When inspecting the flood map panels a basic understanding of the flood zone definitions is helpful. Special flood hazard areas have a 1% or greater chance of being flooded in any given year. They are shown on the Flood Insurance Rate Maps with flood zone designations that begin with the letter A or V. Under the law, federally regulated lenders must require borrowers with buildings that are located in these zones to purchase and maintain flood insurance. Flood zone definitions include the following:
- A99 Zone = Area of special flood hazard where enough progress has been made on a protective system, such as dikes, dams, and levees, to consider it complete for insurance purposes.
- A Zone = Area of special flood hazard without water surface elevations determined.
- V Zone = Area of special flood hazard without water surface elevations determined, and with velocity, that is inundated by tidal floods (coastal high hazard areas).
- B, C, & X Zone = Area of minimal to moderate flood hazard (where flood insurance is available but not required by federally regulated lenders.)
Flood Insurance Requirements No Longer Apply to Buildings Removed from Special Flood Hazard Areas
Special flood hazard areas, or the "100-Year Floodplains," are shown on the Flood Insurance Rate Maps with flood zone designations that begin with the letter A or V. Under the law, federally regulated lenders must require owners of buildings within these zones to purchase and maintain flood insurance. When FEMA revises these...