![]() If you have difficulty locating your property please call 61 and we will be able to help locate your property. To determine if your property is located within the SFHA (100-year floodplain) please go to the City of Cambridge Interactive Floodplain Map and click on your property. Residents are encouraged to contact their insurance agent or visit FloodSmart.Gov to learn more about how and where to get a policy. Lower cost flood insurance from the National Flood Insurance Program (NFIP) is available in low- to moderate-risk areas and you may also qualify for the even lower cost Preferred Risk Policy (PRP). While flood insurance in these areas is optional, maintaining coverage is recommended by FEMA as the flood risk has only been reduced, not removed. The Zone X area is the area that will be inundated by the flood event having a 0.2% chance of being equaled or exceeded in any given year. Most homeowners’ insurance policies do not provide coverage for damage due to flooding.Īreas outside of the SFHA shown on the FIRM as “X” are not required to purchase flood insurance. If you do not have a mortgage, FEMA still recommends that you purchase flood insurance, but you are not obliged to do so. The SFHA is the area that will be inundated by the flood event having a 1% chance of being equaled or exceeded in any given year, and shown on the FIRM as “AE”. These maps indicate whether properties are in areas of high, moderate or low flood risk. Property owners who have a federally backed mortgage, or plan to refinance with a federally backed lender, are required to purchase flood insurance if their home is shown in a high-risk flood area known as a Special Flood Hazard Area (SFHA) on the DFIRMs. These maps were most recently updated in June of 2010. These predictions can be used to identify and prioritize locations for stream restoration and protection projects.Fri: 8:30AM - 12PM Floodplain InformationįEMA FLOOD INSURANCE RATE MAPS EFFECTIVE June 4, 2010Īs part of the Federal Emergency Management Agency’s (FEMA) nationwide Map Modernization Program, the City of Cambridge is required to make Digital Flood Insurance Rate Maps (DFIRMs) available to property owners as a resource in determining if they are required to carry flood insurance on their property. The Fish and Wildlife Service is also proposing to use the Maryland data as part of the Environmental Protection Agency’s Watershed Resource Registry to predict stream stability through Geographic Information Systems (GIS). Open access to the engineering models enables a robust process for improving the accuracy of the engineering models associated with the flood hazard mapping in Maryland. The Fish and Wildlife Service is in the process of providing the more detailed stream field survey data developed for these projects to Maryland so that the engineering models can be enhanced and updated. The engineering models used in the design of wetlands and riparian vegetation stream restoration projects can be downloaded. Fish and Wildlife Service is now using these data in the design and planning for stream restoration projects. For example, the Annapolis office of the U.S. One noteworthy benefit of providing open access to flood study data is that the data are available to other agencies. An email exchange system communicates to local NFIP officials that a state permit application for changes in a floodplain in their community has been received. The state is currently working to incorporate submitted data, updates, and information into day-to-day permitting operations. With this information, staff can respond to engineering data requests and FEMA Letter of Map Amendment (LOMA) processing in less time and at less cost. ![]() The models and supporting information have all been georeferenced and are shown on the website in their actual mapped locations. The data includes current FEMA engineering models Hydrologic Engineering Center-River Analysis System (HEC-RES), stream flows and cross sections, and photographs of bridges and culverts associated with the waters in Maryland. The flood study engineering models are available on a publicly accessible website. ![]() Maryland plans to incorporate a cross-section viewer this year. ![]() These models include information on bridges and culverts on the streams that were studied, cross-section information and flow characteristics. Flood elevations have been established or are being prepared for almost all rivers and streams in the state. ![]()
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