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Flood Plain
Mapping the Risk
Flooding is a potential costly hazard in the City of Pflugerville, consequently, the first step in flood protection is knowing your flood risk. Flood risks vary from property to property, even in the same neighborhood and risks can change over time due to erosion, new construction and other factors. 

FEMA (Federal Emergency Management Agency), the city of Austin and the city of Pflugerville have completed a major update to the digital flood hazard maps reflecting current flood boundaries. This study integrates the most current rainfall, elevation and other key data with the latest modeling technology providing the most up-to-date picture of the area’s flood risk. 

Planners, local officials, engineers and builders can use the maps to determine where and how to build new structures and developments. Residents and businesses can use the maps to learn their risk, and decide the financial steps needed to protect against damage and loss.
How do I tell if my property is located in the floodplain?
Type the street address in the box in the upper right hand corner. Select the map as it enlarges - the address entered will show up and you can see if it is in one of the colored areas.  If so, the legend on the left will identify the flood area in which your property lies. This will assist you in determining the level of flood insurance you may choose to purchase.
 Current Flood Plain Map 

    Current Flood Plain Map
 
 
Learn Your Property's Flood Risk                          
Floods can - and do - occur throughout the City of Pflugerville. And flooding not only occurs in high-risk areas but in moderate-to-low-risk areas, as well. More than 20 percent of flood insurance claims come from property owners who had coverage in moderate-to-low risk area.
Flood Plain Maps and Information
may be obtained and viewed in the Building Department office
201-B East Pecan Street
8 a.m. - 5 p.m.
Or you may contact staff:
512-990-6320
Email:

Flood Maps and Flood Insurance
With the release of the new maps, some property owners will learn their risk is different than they thought. If there is a change in flood risk status, the change may affect what you pay for flood insurance. 

Flood insurance is a federally underwritten program that can help you repair or replace your structure and belongings after a flood. The federal government requires most mortgage holders in high-risk areas (known as Special Flood Hazard Areas) to carry flood insurance.

However, if you are newly mapped into a high-risk area, the National Flood Insurance Program (NFIP) has cost-saving options to help reduce the cost of flood insurance.
 
Most property owners can purchase a low-cost Preferred Risk Policy for the first two years after the maps become effective and then after that, grandfather the lower-risk zone for future rating. Property owners should contact their insurance agent for more details. 


National Flood Insurance Program    (www.FloodSmart.gov )

The Federal Emergency Management Agency   (www.FEMA.gov)

Pledge to Prepare! ( www.Ready.GOV)

 
 IF MAPS SHOW....  THEN...

A change in rating (risk level) on the flood plain map from low or moderate flood risk to high risk
Flood insurance is mandatory and will be federally required for most mortgage holders. Insurance costs may rise to reflect the risk.

Preferred Risk Policy (PRP) Extension & “Grandfathering” offers savings. The National Flood Insurance Program (NFIP) has extended the purchase of low-cost PRP for two years for properties newly mapped into a high-risk zone. In addition, are “grandfathering” rules to recognize policyholders having built in compliance with the flood map or who maintain continuous coverage. Insurance agents can provide more details on how to save. 

 

A change in rating (risk level) on the flood plain map from high risk to low or moderate risk
Flood insurance is optional, but recommended. The risk has only been reduced, not removed. Flood insurance can still be obtained at lower rates. More than 20 percent of all flood insurance claims come from policies in moderate- and low-risk areas.


No change in risk level
No change in insurance rates. Property owners should talk to their insurance agent to learn their specific risk and take steps to protect their property and assets.