www.provincetown-ma.gov

New Floodplain Maps:

The Federal Emergency Management Agency (FEMA) recently revised the flood insurance rate maps (FIRM) for Provincetown. The new preliminary FIRM designates the changes to the flood zones and is used to establish the flood insurance rate for structures on parcels within the special flood hazard areas.

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 changes that have occurred to the FIRM.

Take the time to understand the impact these new maps have on your property. The local deadline to lock in at your current rate is May 31, 2010. The new maps and insurance rate become effective in June 2010.

Link to the online maps: View Maps. Legend Key

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 com 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 FIRM can also be viewed at the temporary Town Hall location located at 16 Jerome Smith Road. Hours for viewing are: Monday-Thursday 8:00 am to 6:00 pm.

If you have questions, please contact Brian Carlson, Health & Environmental Affairs Manager/Floodplain Manager at 508-487-7000 ext. 537 or via email at bcarlson@provincetown-ma.gov

Additional Information:
Questions and Answers
What Property Owner's Should Know
Saving on Flood Insurance

Questions about Flood Insurance: www.floodsmart.gov or speak to your insurance agent.