CF-Senior Center-CS 961009 oc T 0
Mr. Walter E. Skipwith, P.E. IN REPLY REFER TO:
Vice President Case No.: 96-06-528A
aa]~ Associates Comm~illity: City of Coppell, Texas
8616 Northwest Plaza Drive Community No.: 480170
Dallas, Texas 75225 Map Panel Affected: 0010 E
218-70-RS
Dear Mr. Ski~with:
This resporrt~ to your letter a~ July 17, 1996, requestin~ that the Federal Emergency Management Agency
determine whether the property described below is located in a Special Flood Hazard Area (SFHA), an area
that would be irnmdnted by the flood having al-percent chance of being equaled or exceeded in any given year
(base flood).
PrQper~y f~escr~ption: CoppeH Road Senior Citizen Center, a portion of the/ames W. Anderson
survey, as described in the Warranty Deed recorded as Instrument No. 143443 in the Office of the
Recorder, Dallas County, Texas
Street Address: 616 South Coppel!Road
Commnni~y and Stat~.: City of Coppell, Texas
On September 20, 1996, we _received aH information necessary to process this request. After comparing this
information to the National Flood Insurance Program (NFlP) map for the referenced community, we
determined that although portions of the property described above would be immdated by the base flood, the
existing fire stmion on the property would not be inundated. Therefore, thi.~ letter amends the NFIP map for
the City of Coppell, Texas (NFIP Map Number 480170, Panel 0010 E, dated April 15, 1994), to remove the
structure from the SFHA. The stmcnn~ is now located in Zone X 0]~hnded), an area of minimnl flooding
owaide the SFFIA. Because por'dons of the property are in ',he S,t:'HA, any future construc,.io.-, or s~-,-bs*.antial
improvement on the property remains subject to Federal, State, and local regulations for floodplain
management.
You should note that this property could be immdated 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.
If any current flood insurance policy issued under the NFIP covers a su'ucmre on this property and that policy
was required by the mortgage company in conjunction with Federal flood insurance requirements, then flood
insurance coverage is no longer required under the NFIP.
Accordingly, if a lender imposed the flood insurance requirement, that lender will have to determine whether
or not to continue that requirement. The lender may determine, as a business decision, that it wishes to
continue the flood insurance requirement in order to protect its collateral security on the loan. If the lender
decides to release the borrower from the flood insurance requiremem, and the insured decides to cancel the
policy and seek a refund for the current policy year, the insured must obtain a written waiver of the flood
imurame requirement from the lender to provide to fl~eir property imurance agent or company that is servicing
their policy. The agem or company will then process the refund request for the insured.
Even though this property is not included in an SFHA, it could be in-nclate~l 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 omskie tbe SFHA in Zones B, C, orX. More than 25 percent of all policies purchased under the NFIP
protect suuctures 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. To offer flood insurance
protection to owners of such suuctures, the NFIP offers two types of flood insuran~. Property owners should
discuss u~eir ~ flood risk situation and insurance needs with their insurance agent or company before
making a final decision regarding flood insurance coverage.
A copy of this Letter of Map Amendment is being sent to th~ community's official NFIP map repository
where, in aggo~ with reguiatiOl~ adopt~ by the comm~lnity 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.
This response to your reque~ is based on ~be mlnirmm~ ~ established by the NFIP. State And conmmnity
officials, based on knowledge of local conditiom and in the imere~ of public safety, may set higher su~dards
for construction in the floodplain. If the State, Coumy, or community h~ adopu~l more restrictive and
comprehensive floodplain management cri~ria, those criteria take precedence over the minimum Federal
cr~ria.
If you have any questiom or if we can be of further assistance, please contact Ms. Agnes De Coca of our staff
in WasbinLnon, 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