If you have a mortgage from a federally regulated lender and your property is in the SFHA, you are required by Federal law to carry flood insurance when these flood maps are put into effect. SFHA’s are subject to inundation by the 1-percent-annual chance flood (Zone A & AE).
While reviewing the preliminary maps, we encourage you to determine whether or not your property falls within a Special Flood Hazard Area (SFHA). Please use this time to understand your property’s flood risk and research your flood insurance options. The online viewer also includes changes to the 500-yr floodplain "Non-Special Flood Hazard Area" (Zone X, also known as the 0.2-percent-annual chance flood hazard), which is for informational use only and not required for flood insurance purposes. If you do not know what your GPIN is you can click on your parcel in the Hanover County GIS online parcel viewer.Īnother resource is FEMA's Flood Map Changes Viewer which also lets you compare the current and proposed floodplain maps.You can search by address or other property identifier called a GPIN.The 100-year floodplain, also known as the 1-percent-annual chance flood hazard "Special Flood Hazard Area", includes both Zone A (100-year) and Zone AE (100-year with elevations).
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Otherwise, feel free to explore the mapping applications below for informational purposes. If your property is affected by these changes, you will receive a letter from Hanover County in the coming months. Please be aware these maps are still preliminary and show an early look at your property’s projected flood risk. The new maps, known as Flood Insurance Rate Maps (FIRMs), have been released for public view. The Federal Emergency Management Agency (FEMA) has recently completed a multi-year project re-examining Hanover County’s floodplain maps.
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