On 5/11/12 5:54 AM, Chuck Harris wrote:
Go to your local building and planning commission, and get yourself a copy of the topographical map for your address. They are cheap, and are the standard by which everyone (insurance, zoning, ...) determines your flood plane exposure.
I have been informed (in the last 5 minutes) that whether you are in a flood plain, these days, are determined almost entirely by the geographic position of your property on the FEMA flood plain map. (at least as far as lenders and HO insurance goes) FEMAs maps may or may not align with USGS maps. They almost certainly do NOT align with the county recorder's maps.
If you're in an area where FEMA doesn't issue maps then it's something else, and USGS or local maps may determine. But I notice from the FEMA Flood Map server that they cover even things up in the mountains (e.g. Alpine county in California)
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