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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 now 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.

Current Flood Plain Map
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.
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:

From Release to Effective Date
May 2, 2013 - Preliminary flood maps release
(
Start of 90-day Public Comment Period (for filing appeals and comments)
           

Current Flood Plain Map

 


           


NEW FLOOD PLAIN MAP - AUGUST 18, 2014
(click to view map)

Maps become effective; new flood insurance requirements take effect 

At that time, the new insurance requirements will take effect. 
           


Appeals
In case a property owner does not agree to the designation of the property being in a high-risk area, the structure itself is not in that high-risk flood zone or is elevated enough to not be required to carry flood insurance, owners may challenge the new designations by filing an appeal. An appeal is a formal objection to proposed base flood elevations or floodplain boundaries. Appeals must be based on technical data showing the proposed maps to be scientifically incorrect. Anyone making an appeal must include the method, data, and analysis used to support the claim. 

Option 1:  File an appeal by proving the structure is sufficiently above the base flood elevation (BFE)

Option 2: Once the floodmaps become effective, property owners may hire a surveyor to complete an elevation certificate for your house. This elevation certificate will indicate the elevation of the top of the foundation of your house in relation to the floodplain and the elevation of the highest and lowest adjacent grades to the foundation. 

If it is determined that your homes’ foundation is above the BFE, then the elevation certificate can be submitted to FEMA and, for no charge, a Letter of Map Amendment (LOMA) will be issued for your house stating the structure is removed from the floodplain. 

If it is determined that your house’s foundation is below the BFE, then your flood insurance rate will be based on the number of feet below.
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. 



For Additional Information

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...

Change from low or moderate flood risk to high risk
Flood insurance is mandatory. Flood insurance 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, there are “grandfathering” rules to recognize policyholders who have built in compliance with the flood map or who maintain continuous coverage. Your insurance agent can provide more details on how to save. 

 

Change 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.