FEMA Floodplain Analysis, Letter of Map Ammendment (LOMA) or
Revision (LOMR), and Floodproofing

Download a Speath Engineering Flood Insurance Brochure

 

Speath Engineering provides services to developers and private property owners for the purpose of maximizing development potential and minimizing flood insurance ramifications in special flood hazard areas (SFHA).

These areas are part of the regulatory floodway and floodway fringe, as established by the Federal Emergency Management Agency (FEMA), and can make it difficult to develop your property or expand your existing structures.
 

As of August 28, 2008, Lee County, Florida is adopting new FEMA Flood Maps. These maps have changed the locaiton and extent of the floodplains.

This could impact you in a number of ways:
 

  • Require you to carry flood insurance on your building where none was previously required

  • Change your flood insurance rates due to new technical requirements

  • Render your property undevelopable, or if developed, non-expandable
 
   

We can help LOWER your insurance rates.

Your policy is rated on several factors, including the deductible, and the location, age, occupancy, and type of building. Other important factors include what kind of flood zone you're in, the elevation of the lowest floor relative to the base flood elevation, how the land is graded around your building, and whether or not your building has been floodproofed.

If you live in a coastal area, Speath Engineering can perform an inspection of your building and property, and submit a V-Zone Risk Factor Rating Form so that your insurance rates are based on your individual property. We can also design and specify for improvements which would lower your rates further.

In non-coastal areas, by floodproofing the portion of your building below the flood elevation, we can help reduce your insurance costs. Also, if you have a non-residential building, you can floodproof up to 1 foot above the flood elevation, and choose to not have flood insurance at all.
   

Floodproofing

Speath Engineering can provide structural services for the design, detailing, and permitting of your floodproofing improvements, and then once the improvements have been madem submit a Floodproofing Certificate to FEMA to ensure that your flood insurance rates are adjusted accordingly.

Floodplain Analysis

Our experience working with properties in the floodplain spans over two decades. We have been able to lower flood insurance rates and even remove the requirement for flood insurance entirely by performing our own, more detailed flood studies and redefining the limits of the floodplain.

Letter of Map Amendment (LOMA) / Letter of Map Revision (LOMR)

If your property or structure is above the base flood elevation as etablished by FEMA, you may qualify for a Letter of Map Amendmnet (LOMA) or Revision (LOMR), which is issued by FEMA on a case by case basis, and remove your property or structure from the special flood hazard area (SFHA). Speath Engineering can provide you with all of the technical data and support necessary to submit a LOMA/LOMR to FEMA. We will even provide group services for developments and adjacent property owners so as to minimize engineering costs and maximize financial savings.
 
 
 
 
 
© SPEATH ENGINEERING 2008