FEMA and the City of Kansas City, Missouri want you to know your options for addressing the changes to the flood-risk of your property. Based on the updated maps, your property may fall into one of these categories:
- Newly identified as located in a high risk, Special Flood Hazard Area (SFHA). In this case, the property owner of any structure located in an SFHA and that has a federally-backed mortgage is required to maintain flood insurance on the structure. You need to act immediately to secure the lowest rates.
- Previously identified and remains in a high risk or SFHA. You should act immediately to determine options for locking in your current insurance rate.
- New floodplain maps determine structure is no longer in the SFHA. You may be able to reduce your flood insurance needs once the new maps become effective.
The City was required to adopt the new floodplain maps, effective January 20, 2017 in order for residents to continue to be eligible for the National Flood Insurance Program (NFIP). Thanks to the City’s efforts under the NFIP’s Community Rating System, KCMO residents are eligible to receive a reduction in their flood insurance premiums.
Here’s How to Address Your Flood-Risk and Determine Insurance Needs
Find Out Your Risk
- Use the City’s Online Mapping System
- Add your address to the search bar
- Click on the "Layers" tab
- Check the box for "Floodplain"
Call Your Insurance Agent
FEMA requires all structures with federally backed mortgages to be covered under a flood insurance policy. By acting quickly, you may be able to secure a lower rate. Lower flood insurance rates locked down now are also transferable to a future buyer.
For additional help contact the NFIP: 1 (913) 837-5220 or firstname.lastname@example.org.
Ally Bishop with the National Flood Insurance Program (NFIP) can assist with your questions about flood insurance and your property’s flood risk determination.
- The Official Site of the National Flood Insurance Program
- Missouri Floodplain Management Quick Guide
If You Have Been a Victim of Flooding
A City permit may be required to make repairs. Please see IB100 for one and two family plan submissions or IB110 for commercial plan submissions. You can also call the Code Question Line at (816) 513-1511 or send an email to email@example.com for questions about construction permitting requirements.
Some properties may be in the Federal Emergency Management Agency (FEMA) special flood hazard areas, which require an additional permit and review process. Please review Kansas City Ordinance Chapter 28 regarding Floodplain Management and IB120 for floodplain development permitting.