Revised FEMA Flood Insurance Rate Maps Effective August 15

The Federal Emergency Management Agency (FEMA) is formally revising the Flood Insurance Rate Maps (FIRMs) within FEMAHarris and Galveston Counties which may affect the floodplain designation of your property within League City. These new maps will become effective on August 15, 2019. For League City, this revision means that approximately 10,674 acres and approximately 3730 homes will be located within FEMA’s Special Flood Hazard Area (commonly known as the 100-year floodplain). The revision also has approximately 6,420 acres and approximately 7,378 homes located with the 0.2% Zone (formerly called the 500-year floodplain).

The City is required to adopt the revised FIRMs to continue participation in the National Flood Insurance Program (NFIP). The NFIP allows the City and property owners to be eligible for federally managed flood insurance, federally backed mortgages, federal grants, and federal disaster relief, thereby providing a means for property owners to financially protect themselves (a risk not covered by standard homeowner’s insurance policies). 

To read more about the FEMA flood insurance maps, click on Revised FEMA Flood Insurance Rate Maps.

Don’t Delay, Submit Your Proof of Loss 

If you have flood insurance through the National Flood Insurance Program (NFIP), and you filed a claim for flood damages in early to mid-September, it’s very important that you submit your Proof of Loss form within 60 days after your date of loss, which could be this week or next week. The form will take some time to fill out, and you need to provide supporting documents with it. Don’t forget to sign it.

I’m Not Satisfied With My Adjustor’s Damage Estimate, Should I Wait to Submit My Proof of Loss?
No, don’t wait, as you don’t want to miss the 60-day deadline. Your adjustor may have provided you a Proof of Loss form and helped you fill it out. You can submit this form, even if you think the adjustor missed some items, because you can submit an additional Proof of Loss form later. Or, you can fill out a Proof of Loss form on your own, but don’t delay in submitting one within 60 days after your date of loss. Remember, you can submit an additional Proof of Loss form later to request additional payment for other flood damages if you believe that not all damages were addressed in the initial estimate.
Proof of Loss FEMA application screenshot with arrows pointing to the Initial box and Additional box

When Does the 60-Day Deadline Begin?
When you made your claim through your insurance agent, or with NFIP Direct (if you have a Group Flood Insurance Policy-GFIP), you told them what date your damages, or loss, occurred on. You must turn in the completed Proof of Loss form, within 60 days of your date of loss, to your insurance agent if you have a standard flood insurance policy, or to the NFIP Direct if you have a GFIP at:

Regular Mail:
NFIP Direct
P.O. Box 913111
Denver, CO 80291-3111 

Visit: https://www.fema.gov/media-library/assets/documents/9343 to learn more about the Proof of Loss form.

Flood Zones Map

Effective FEMA FIRM Letters

Flood Zones

Use the Find Address tool in this map to locate flood zones in your area. Areas marked are considered as Special Flood Hazard Area (SFHA) wherein the defined area is considered to have a 1% chance of being inundated in any given year. Please use the FEMA panels below to see more detail about this information.

Flood Map

2019 FEMA Panels

Archived FEMA Panels