DR9502-CS 961009Federal Emergency Management Agency
Washington, D.C. 20472
Y 0 9 995
Mr. Waiter E. Skipwith, P.E.
Vice President
Halff Associates
8616 Northwest Plaza Drive
Dallas, Texas 75225
IN REPLY REFER TO:
Case No.: 96-06-528A
Community: City of Coppell, Texas
Community No.: 480170
Map Panel Affected: 0010 E
218-70-RS
Dear Mr. Skipwith:
This responds ~o your letu~r ~ July 17, 1996, requesting that the Federal gmergeocy Management Agency
determine whether the property described below is located in a Special Flood Hazard Area (SFHA), an area
that would be im,rutn~! by the flood havi~lg a 'l-percent chance of being equaled or exceeded in any given year
(base flood).
Property Descr'_mtion: Coppell Road Senior Citizen Center, a portion of the lames W..Anderson
survey, as described in the Warranty Deed recorded as Instrument No. 143443 in the Offw. e of the
Recorder, Dallas Coumy, Texas
616 South Coppell Road
Community and ~:tate: City of Coppell, Texas
On ~ 20, 1996, we received all information necessary to process thi~ request. After comparing this
information to the National Flood Insuram. e Program (NFIP) map for the referenced community, we
determined that although portions of the property described above would be inundated by the base flood, the
existing fire station on the property would not be immdated. Therefore, this 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
su-ucua-e from the SFHA. The structure is now located in Zone X (,mhaded), an area of minimal flooding
outside the SFHA. Becauae por~iorta of the properv/are in *,he SFHA, any furore construction or subs*~n~l
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 structure on mi.~ property and that policy
was required by the mortgage company in conjunction with Federal flood insurance requiremems, 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 buainess decision, that it wishes to
continue the flood insuram, e requirement in order to protect its collateral security on the loan. If the lender
decides to release the borrower from the flood insur~ requirement, and the insured decides to ~ _nee_ 1 the
policy and seek a refund for the current policy year, the insured must obtain a written waiver of the flood
insurance requirement from the lender to provide to their property insurance agent or company that is servicing
their policy. The agent or company will then process the refund request for the insured.
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 outride {he SFHA in Zones B, C, or X. 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 SFHA~. To offer flood insurance
protection to owners of such structures, the NFIP offers two types of flood insurance. Property owners should
~ their ~ flood r/sic situation ~na insurance needs with their insuran~ agent or company before
making a final decision regarding flood insurance coverage.
A copy of this Letm- of Map Amendment is being sent to the community's official NFIP map repos~
where, in accordance with re/ulations adopted by the 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.
This response to your request is based on the minirmnvl ~ established by the NFIP. State and commlinity
officials, based on lmowledge of local conditions aM in the interest of public safety, may set higher standards
for construction in the floodplain. If the State, County, or community has adopted more restrictive and
comprehensive floodplain management criteria, those criteria take precedence over the minimum Federal
criteria.
ff you have any questions or if we can be of further assistance, please com~ 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. Bucldey, P.E., Chief
Hazard Identification Branch
M a on Directorate
cc: Community Map Repository