44 CFR Part 65: Flood Mapping

Part 65 addresses:

  • Mapping requirements of special flood hazard areas

Flood maps are of particular importance to HM Insurance staff. Flood maps help HM Insurance Staff determine:

  • How a building can be constructed (i.e. to what height the lowest floor must be elevated)
  • Which flood zone to use for rating
  • What policy coverage or restrictions may apply

Flood maps can also help HM Insurance staff assist homeowners in identifying the flood zone of their property.

Important Information Flood Insurance Eligibility. Many Individuals have the misconception that only homes located in high risk flood zone can be protected by flood insurance. This is not true. Property owners in any zone can purchase flood insurance as long as their community continutes to participate in NFIP. All areas are at some risk of floding--either high medium or low risk