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Riverview Estates-CS 971031 (2)Federal Emergency Management Agenc Washington, D.C. 20472 OCT 31 1997 The Honorable Candy Sheehan Mayor, City of Coppell 255 Parkway Boulevard Coppell, Texas 75019 IN REPLY REFER TO CASE NO. 98-06-034A Follows Case No. 96-06-382C Community: City of Coppell, Texas Community No.: 480170 Map Panel Affected: 0010 E Map Effective Date: April 15, 1994 218-65-R Dear Mayor Sbeehan: We reviewed a request dated September 29, 1997, from Mr. Donald B. Huffines, Huffines and Parmers, Austin Catbird, L.P., for a Letter of Map Revision. All required information for this request, including the required review and processing fee, was received on October 6, 1997. Using the information submitted and the effective National Flood Insurance Program (NFIP) map, we determined the property described below is not in a SPecial Flood Hazard Area (SFHA), the area that would be inundated by the flood having a 1-percent chance of being equaled or exceeded in any given year (base flood). This property was elevated by the placement of fill after the date of the earliest NFIP map showing the area in the SFHA. Property Description: Lots 1 through 30, Block A; Lots 1 though 26, Block B; and Lots I through 10, Block C, Riverview Estates, as shown on the Plat recorded in Volume 97174, Page 5346, in the Office of the County Clerk, Dallas County, Texas. Flooding Source: Denton Creek and Elm Fork Trinity River This letter revises the above-referenced NFIP map to remove the property from the SFHA. The property is now in Zone X (shaded), an area of moderate flooding outside the SFHA. 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/crawl space) of each structure placed on the property be elevated to a level at or above the base flood elevation. The enclosed document provides additional information about Letters of Map Revision. If you have any questions about this letter, 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. Enclosure Sincerely, Frederick H. Sharrocks, Jr., Chief Hazard Identification Branch Mitigation Directorate CC: Community Map Repository Mr. Kenneth M. Griffin, P.E.%/ Assistant City Manager/City Engineer ADDITIONAL INFORMATION REGARDING LETTERS OF MAP REVISION BASED ON FILL In making determinations on requests for Letters of Map Revision based on the placement of fill (LOMR- Fs), the Federal Emergency Management Agency (FEMA) bases its determination on the flood hazard information available at the time of the determination. Requesters should be aware that flood conditions may change or new information may be generated that would supersede FEMA's determination. In such cases, the community will be informed by letter. Requesters also should be aware that removal of a property (parcel of land or structure) from the Special Flood Hazard Area (SFI-IA) means FEMA has determined the property is not subject to inundation by the flood having a 1-percent chance of being equaled or exceeded in any given year (base flood). This does not mean the property is not subject to other flood hazards. The property could be inundated by a flood with a magnitude greater than the base flood or by localized flooding not shown on the effective National Flood Insurance Program (NFIP) map. The effect of a LOMR-F is it removes the Federal requirement for the lender to require flood insurance coverage for the property described. The LOMR-F/s not a waiver of the condition that the property owner maintain flood insurance coverage for the property. On/y the lender can waive the flood insurance purchase requirement because the lender imposed the requirement. The property owner must request and receive a written waiver from the lender before canceling the policy. The lender may determine, on its own as a business decision, that it wishes to continue the flood insurance requirement to protect its financial risk on the loan. The LOMR-F provides FEMA's comment on the mandatory flood insurance requirements of the NFIP as they apply to a particular property. A LOMR-F is not a building permit, nor should it be construed as such. Any development, new construction, or substantial improvement of a property impacted by a LOMR-F must comply with all applicable State and local criteria and other Federal criteria. If a lender releases a property owner from the flood imurance requirement, and the property owner decides to cancel the policy and seek a refund, the NFIP will refund the premium paid for the current policy year, provided that no claim is pending or has been paid on the policy during the current policy year. The property owner must provide a written waiver of the imurance requirement from the lender to the property insurance agent or company servicing his or her policy. The agent or company will then process the refund request. If a flood insurance policy has been written using an incorrect zone, it can be endorsed to correct the zone for the current and one prior policy term. The property owner should contact the agent or company servicing his or her policy to request endorsement of the policy. The agent or company will then process the endorsement. Even though structures are not located in an SFHA, as mentioned above, they could be flooded by a flooding event with a 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, X (shaded), or X (unshaded). More.t than one-fourth of all policies purchased under the NFIP protect structures located in these zones. The risk to structures located outside SFHAs is just not as great as the risk to structures located in SFHAs. To offer flood insurance protection to owners of such structures, the NFIP offers two types of flood insurance policies: the low-cost Preferred Risk Policy (PRP) and the Standard Flood Insurance Policy (SFIP). The PRP is available for 1- to 4-family residential structures located outside the SFHA with little or no loss history. The PRP is available for townhouse/rowhouse-type structures, but is not available for other types of condominium units. The SFIP is available for all other structures. Additional information on the PRP and how a property owner can quality for this type of policy is provided in the enclosed pamphlet. Before making a final decision about flood insurance coverage, FEMA strongly encourages property owners to discuss their individual flood risk situations and insurance needs with an insurance agent or company. The revisions made effective by a LOMR-F are made pursuant to Section 206 of the Flood Disaster Protection Act of 1973 (P.L. 93-234) and are in accordance with the National Flood Insurance Act of 1968, as amended (Title XIII of the Housing and Urban Development Act of 1968, P.L. 90-448) 42 U.S.C. 4001- 4128, and 44 CFR Part 65. In accordance with regulations adopted by the community when it made application to join the NFIP, letters issued to revise an NFIP map must be attached to the community's official record copy of the map. That map is available for public inspection at the community's official map repository. Therefore, FEMA sends copies of all such letters to the affected community's official map repository. To ensure continued eligibility to participate in the NFIP, the community must enforce its floodplain management regulations using, at a minimum, the flood elevations and zone designations shown on the NFIP map, including the revisions made effective by LOMR-Fs. LOMR-Fs are based on minimum criteria established by the NFIP. State/Commonwealth, county, and community officials, based on knowledge of local conditions and in the interest of safety, may set higher standards for construction in the SFHA. If the State/Commonwealth, county, or community has adopted more restrictive and comprehensive floodplain management criteria, these criteria take precedence over the minimum Federal criteria. FEMA does not print and distribute LOMR-Fs to primary map users, such as local insurance agents and mortgage lenders; therefore, the community serves as the repository for LOMR-Fs. FEMA encourages communities to disseminate LOMR-Fs so that interested persons, such as property owners, insurance agents, and mortgage lenders, may benefit from the information. FEMA also encourages communities to prepare articles for publication in the local newspaper that describe the changes made and the assistance community officials will provide in serving as a clearinghouse for LOMR-Fs and interpreting NFIP maps. When a restudy is undertaken, or when a sufficient number of revisions occur on particular map panels, FEMA initiates the printing and distribution process for the panels and incorporates the changes made effective by LOMR-Fs. FEMA notifies community officials in writing when affected map panels are being physically revised and distributed. If the results of particular LOMR-Fs cannot be reflected on the new map panels because of scale limitations, FEMA notifies the community in writing and revalidates the LOMR-Fs in that letter. LOMR-Fs revalidated in this way usually will become effective 1 day after the effective date of the revised map.