Before you build a structure in Clay County or any of the participating NFIP communities in Clay County, you must have a flood plain determination. Clay County and all the cities therein, participate in the National Flood Insurance Program (NFIP). Local and county ordinances require a flood plain determination and possibly a Flood Hazard Development Permit (FHDP) before building in a floodplain.All lending institutions are required by law to have a valid flood certificate before loaning money on any structure being financed.More information can be acquired at FEMA.gov or Floodsmart.gov about flood plain regulations.
For more info locally contact
Sean Martin at
870-598-2287 ext. 113 or by email at ccd193@centurytel.net
For more info locally contact
Sean Martin at
870-598-2287 ext. 113 or by email at ccd193@centurytel.net
Flood Insurance Reform Act of 2012:
In July 2012, the U.S. Congress passed the Biggert-Waters Flood Insurance
Reform Act of 2012 (BW-12) which calls on the Federal Emergency Management Agency (FEMA), and other agencies, to make a number of changes to the way the National Flood Insurance Program (NFIP) is run. Some of these changes already
have occurred, and others will be implemented in the coming months.
Key provisions of the legislation will require the NFIP to raise rates to reflect true flood risk, make the program more financially stable, and change how Flood Insurance Rate Map (FIRM) updates impact policyholders. The changes will mean
premium rate increases for some—but not all—policyholders over time.
Homeowners and business owners are encouraged to learn their flood risk and talk to their insurance agent to determine if their policy will be affected by BW-12.
In July 2012, the U.S. Congress passed the Biggert-Waters Flood Insurance
Reform Act of 2012 (BW-12) which calls on the Federal Emergency Management Agency (FEMA), and other agencies, to make a number of changes to the way the National Flood Insurance Program (NFIP) is run. Some of these changes already
have occurred, and others will be implemented in the coming months.
Key provisions of the legislation will require the NFIP to raise rates to reflect true flood risk, make the program more financially stable, and change how Flood Insurance Rate Map (FIRM) updates impact policyholders. The changes will mean
premium rate increases for some—but not all—policyholders over time.
Homeowners and business owners are encouraged to learn their flood risk and talk to their insurance agent to determine if their policy will be affected by BW-12.
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