The Federal Emergency Management Agency (FEMA) issued new Flood Insurance Rate Maps (FIRM) on April 03, 2012. If you own property on or near a water body in Dexter Township, these maps may change the flood zone designation for your property. If you have a mortgage and the structure(s) is determined to be in a Special Flood Hazard Area (floodplain) by your lender, you will be required by your lender to purchase flood insurance. There are several courses of action available to you:
1. Do Nothing - When the new maps become effective in April your mortgage company (if applicable) will review them, and if they find that the structure(s) is now in an area that requires flood insurance, your lender will contact you and direct you to purchase flood insurance.
2. Purchase Flood Insurance - All private insurance writers have the ability to provide flood insurance through the National Flood Insurance Program. Contact your insurance agent to inquire about rates for your structure.
The new flood maps can be viewed on the Washtenaw County GIS website at: http://www.ewashtenaw.org/government/departments/gis/MapWashtenaw_Main.htm. If you are not able to view the maps online, you may either visit Dexter Township Hall during normal business hours to view the maps or we can produce a map of your property and send it to you via mail or email.
Please note that these maps are a product of FEMA. Dexter Township can only offer you information concerning your options, but the final determination is between your mortgage company and FEMA.
If after reviewing the flood maps you feel as if your structure(s) is not in the floodplain you may apply to FEMA for a Letter of Map Amendment (LOMA). A LOMA specifies a structure’s location relative to the Special Flood Hazard Area (floodplain). This process entails hiring a Licensed Land Surveyor or a Registered Professional Engineer. Additional information about the LOMA process can be found at: http://www.fema.gov/plan/prevent/fhm/fmc_loma.shtm
To learn about the risk of flooding, visit the website www.floodsmart.gov