Flood Insurance Map Update
New Federal Emergency Management Agency (FEMA) Flood Maps have been adopted and are active
The Cape Cod Commission has generated a map viewing program that can be used to view and interact with the new FEMA Flood Insurance Rate Maps. Here is the link to the MAP VIEWING PROGRAM. When you visit the map viewing page you can find your property by using the zoom in button.
Fact Sheet - Scientific Resolution Panels (PDF) serve as the independent third party to review the flood insurance rate map and proposed changes.
Federal Register Letter (PDF) regarding proposed changes to the Flood Insurance Rate Maps.
Letter from FEMA (PDF) - This letter explains the process and how the changes were made to the FIRM MAPS.
National Flood Insurance Program (NFIP)
Provincetown is a member of the National Flood Insurance Program (NFIP).
New Floodplain Maps have been adopted and are active as of July 2014.
The Federal Emergency Management Agency (FEMA) recently revised the flood insurance rate maps (FIRM) for Provincetown. The new FIRM designates the flood zones and is used to establish the flood insurance rate for structures on parcels within the special flood hazard areas (SFHA).
The following maps have been created using geographic information systems (GIS) and have used technical data directly from FEMA. These GIS maps were created to help you better interpret and understand the new maps.
Take the time to understand the impact these new maps have on your property.
Please note that any determination made by the Town of Provincetown of your property's flood zone is approximate, and that the final flood hazard zone determination for flood insurance purposes is the responsibility of your mortgage lender and the insurance company writing the flood policy.
|If the Map Shows:||These Requirements, Options, and Savings Apply:|
|Change from low or moderate flood risk to high risk||Flood insurance is mandatory. Flood insurance will be federally required for most mortgage holders. Insurance costs may rise to reflect the true (high) risk. Grandfathering offers savings. The National Flood Insurance Program (NFIP) has "grandfather" rules to recognize policyholders who have built in compliance with the flood map or who maintain continuous coverage. Talk with your insurance agent about the ways you can save.|
|Change form high flood risk to low or moderate risk||Flood insurance is optional, but recommended. The risk is reduced, not removed. Flood insurance can still be obtained, and at lower rates. Twenty to 25 percent of all flood insurance claims come from low to moderate-risk areas. Conversion offers savings. An existing policy can be converted to a lower-cost Preferred Risk Policy for those properties that qualify.|
|No change in risk level||No change in insurance rates. Most homeowner insurance policies do not cover damages due to flooding. Talk to your insurance agent to learn your specific risk and the steps you can take to protect your property and assets.|
The GIS Maps and the official preliminary flood insurance rate map FIRM can also be viewed at Town Hall located at 260 Commercial Street in the Department of Community Development. Hours for viewing are: Monday-Thursday 8:30am-4:30pm and Friday 8:30am to 11:30pm.
If you have questions, please contact Anne Howard at 508-487-7000 ext. 530 or via email.
Additional Information: Questions and Answers
Questions about Flood Insurance: FEMA Flood Smart website or speak to your insurance agent.