General Floodplain Administration Info
Lincoln County is a National Flood Insurance Program participant. Flood insurance is available for all properties throughout the county. In order to partipate in the program, Lincoln county has adopted floodplain regulations compliant with Title 44 of the Code of Federal Fegulations pertaining to Emergency Management and Assistance and has appointed an official as Floodplain Administrator to act on behalf of the Federal Emergency Management Agency to regulate development within the federally regulated floodplain and floodway.
The Lincoln County Flood Damage Prevention Ordinance requires reasonably safe protection for all new projects within the county through use of a floodplain development permit. New structures lowest floor elevations (including basement), are required to be at least 1ft above the 100 year base flood elevation (BFE). New construction within 100ft of distance or 8 ft of elevation whichever comes first, of a special flood hazard area, will comply with the lowest floor no more than 5 ft below BFE, and lowest opening no less than 1 ft above BFE, as referenced in FEMA Technical Bulletin 10-01. All developments of 5 acres or 10 lots, whichever is less, are required to acquire a floodplain development permit, provide BFE elevations and may also be required to complete the MT-2 Letter of Map Revision (LOMR).
The current Lincoln County Flood Insurance Rate Map (D-FIRM) and Flood Insurance Study (FIS) became effective April 2, 2008. The updated digital format flood boundaries and elevations are a result of FEMA Map Modernization. The changes update the original FIRM maps dated Oct 1, 1986. Increased accuracy and accessibility of the new maps help identify risks and facilitate managed growth in the county while assisting lenders and agents to offer appropriate insurance protection for homes and business.Following the April 2, 2008 effective date, all mortgages from federally regulated lenders were reviewed using the new D-FIRM.
Properties and structures located within zones A or AE (high risk) shown on the new map are required to have flood insurance. Individual lenders are responsible for notification when insurance is required. The FIRM zone coupled with the structure lowest floor elevation determines the rates for flood insurance policies. Many variables affect the final insurance premium determination. The structure location relative to the previous FIRM and whether it was built in compliance with regulations at time of construction may qualify an owner for reduced rates under the FEMA "Grandfathering" rule.
Several methods are provided whereby a structure located in a high risk zone can be proven to be above the base flood elevation and thereby exempted from the insurance requirement. An Elevation Certificate (EC) is generally required to be completed and submitted to FEMA together with an application for a Letter of Map Amendment (LOMA) or Letter of Map Revision (LOMR) for approval. An eLOMA (electronic) or EZ format may also be used. This process does not guarantee approval, may take some time, and involves the services of a surveyor or engineer. Where structures have inadvertently been built within a high risk zone, retrofitting the structure may be needed to protect it from damages. In certain cases where many properties are affected, larger regional mitigation projects may also be needed.
Date Last Changed: 05/20/2013 14:17 PM