Why is there a requirement to purchase flood insurance in communities that have not suffered flooding in many years or ever?
FEMA determines flood risk through available information for a community. While historical flood data is an important element in identifying flood risk, other elements such as rainfall and river-flow data, topography, wind velocity, tidal surge, flood-control measures, development, etc. are also used to evaluate flood risk.

Engineering - Flood Information

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1. How does the NFIP benefit property owners? Taxpayers? Communities?
2. Is the purchase of flood insurance mandatory?
3. Why is there a requirement to purchase flood insurance in communities that have not suffered flooding in many years or ever?
4. Why is my lender requiring the purchase of flood insurance?
5. What if I disagree with my lender’s determination that I am in the flood zone?
6. How can a property owner determine if the property is in a Special Flood Hazard Area?
7. Are discounts offered for flood insurance premiums?