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Cambridge Phase 2-CS 960423Federal Emergency Management Agency Washington, D.C. 20472 APR 8 1996 The Honorable Tom Morton Mayor, City of Coppell P.O. Box 478 Coppell, Texas 75019-0478 IN REPLY REFER TO: Case No.: 96-06-178A Community: City of Coppell, Texas Community No.: 480170 Map Panel Affected: 0010 E T-218-65-R Dear Mayor Morton: This is in response to a letter dated February 9, 1996, from Mr. Rusty Spiars, P.E., Spiars & DeOtte, Inc., requesting that the Federal Emergency Management Agency determine whether the following property is located in a Special Flood Hazard Area (SFHA), an area that would be inundated by a flood having a 1-percent chance of being equaled or exceeded in any given year (base flood). This property has been elevated by the placement of fill after the date of the earliest National Flood Insurance Program (NFIP) map showing the area in the SFHA. Prot)erty Description: A portion of Lot 1, Nettie Long Addition, as described in the Warranty Decal with Vendor's Lien recorded as Instrument No. 95-R0006351, in the Office of the Recorder, Denton County, Texas Communi _ty and State: City of Coppell, Texas The legal description of the portion mentioned above is as follows: BEGINNING at the southwest comer of Lot 1; thence N 40'41'22" E, 26.25 feet to the POINT OF BEGINNING; thence N 00020'26'. E, 145.00 feet; thence S '86021'46~ E, 257.93 feet; thence S 00*05'38" W, 130.00 feet; thence N 89'41'49" W, 258.15 feet to the POINT OF BEGINNING. All fees necessary to process this Letter of Map Revision (LOMR), a total of $635, have been received. On February 21, 1996, we received all information necessary to process this request. After comparing this information to the National Flood Insurance Program (NFIP) map for your community, we determined that the property described above would not be inundated by the base flood. Therefore; this letter revises the NFIP map for the City of Coppell, Texas (NFIP Map Ntunber 480170, Panel 0010 E, dated April 15, 1994), to remove the property from the SFHA. The property is now located in Zone X (shaded), an area of moderate flooding outside the SFHA. Because portions of the property are in the SFHA, any future construction or substantial improvement on the property remains subject to Federal, State, and local regulations for floodplain management. Although. the criteria for removal of a parcel of land based on fill have been met for this request, we encourage you to require that both the lowest adjacent grade (lowest ground touching the structure) and the lowest floor (including basement) of any structure placed on the property be elevated to a level at or above the base flood elevation. You should note that this property could be inundated by a flood greater than the base flood or by local flooding conditions not shown on the NFIP map. Also, although we have based our determination on the flood data presently available, flood conditions may change or new information may be generated that would supersede this determination. Even though this property is not included in an SFHA, it could be inundated by a flooding event of greater magnitude than the base flood. In fact, more than 25 percent of all losses in the NFIP occur to structures located outside the SFHA in Zones B, C, or X. More than 25 percent of all policies purchased under the NFIP protect structures located in these zones. This clearly illustrates that there is a risk of flooding in non-SFHAs. That risk is just not as great as the flood risk to structures located in SFHAs. TQ offer flood insurance protection to owners of such structures, the NFIP offers two types of flood insurance. Property owners should discuss their individual flood risk situation and insurance needs with their insurance agent or company before making a t-mai decision regarding flood insurance coverage. To ensure continued eligibility to participate in the NFIP, your community must enforce its floodplain management regulations using, at a minimum, the flood elevations and zone designations shown on the NFIP map for your community, including the revision effected by this letter. This response is based on the minimum criteria established by the NFIP. State and community officials, based on knowledge of local conditions and in the interest of public safety, may set higher standards for construction in the floodplain. If the State of Texas' or your community has adopted more restrictive or comprehensive floodplain management criteria, those criteria take precedence over the minimum Federal criteria. This revision has been made pursuant to Section 206 of the Flood Disaster Protection Act of 1973 (Public Law 93-234) and is in accordance with the National Flood Insurance Act of 1968, as amended (Title XIII of the Housing and Urban Development Act of 1968, Public Law 90 ~.~.8), 42 U.S.C. 4001-4128, and 44 CFR Part 65. Because this LOlVlR will not be printed and distributed to primary map users, such as. local insurance agents and mortgage lenders, your community will serve as a repository for these new data. We encourage you tO disseminate the information reflected by this LOMR throughout your community so that interested persons, such as property owners, local insurance agents, and mortgage lenders, may benefit from the information. We also encourage you to prepare an article for publication in your community's local newspaper that would describe the changes that have been made and the assistance that officials of your community will give to interested persons by providing these data and interpreting the NFIP maps. When, in the future, a sufficient number of revisions have occurred on the affected panel, we will initiate a physical map revision to republish and distribute the panel to incorporate the changes that were made effective by letter. A copy of this LOMR is being sent to your community's official NFIP map repository where, in accordance with regulations adopted by your community when it made application to join the NFIP, it should be attached to the community's official record copy of the NFIP map, which is available for public inspection. 3 If you have any questions or if we can be of further assistance, please contact Ms. Agnes De Coca of our staff in Washington, DC, either by telephone at (202) 646-2746 or by facsimile at (202) 646-4596. Sincerely, Michael K. Buckley, P.E., Chief Hazard Identification Branch Mitigation Directorate cc: Community Map Repository Mr. Rusty Spiars, P.E. Spiars & DeOtte, Inc.