More than 100 Santa Rosa County residents showed up to two meeting Sept. 28 and 29 to discuss changes to the county’s Flood Insurance Rate Maps (FIRM) and the potential effects on their flood insurance costs.
The Federal Emergency Management Agency (FEMA) is updating coastal region FIRMs across the nation, and Santa Rosa’s potential changes would not go into effect until winter 2017 at the earliest.
In general, most residents were looking for answers on how the map changes would affect their property and what that would mean for their insurance costs.
For some, the potential maps have their property partially in one flood zone and part in another.
Holley by the Sea resident Pam Baty’s backyard is proposed as an AE zone or high risk. Just a few feet away, her house, pool and front yard is listed as X, a low-risk zone.
This means Baty is not required to carry flood insurance in addition to her homeowners insurance on her property because none of her structures are in the high-risk zone, and she did not purchase flood insurance.
She said she will be purchasing a policy now.
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