Standard homeowners and commercial property insurance policies do not cover flood losses. To meet the need for this coverage, the Federal Emergency Management Agency (FEMA) administers the National Flood Insurance Program (NFIP), in which communities are required to participate for their residents to be eligible. The City of Lee's Summit has participated in the NFIP since April 3, 1978, which has allowed FEMA to offer flood insurance protection to ALL residents and property owners; not just those located within the designated SFHA (100-year flood zone).
In addition to flood insurance, the NFIP publishes Flood Insurance Rate Maps (FIRMs) for communities. These maps identify Special Flood Hazard Areas (SFHAs), also known as 100-year flood zones or 1% annual chance flood zones. The most recent FIRMs for the City of Lee's Summit are effective as of January 20, 2017.
Residents can contact the Environmental Specialist in Public Works at 816-969-1800 for help in determining if their property is located within the designated SFHA (100-year flood zone). However, FEMA's Flood Map Service Center provides easy electronic FIRMs for public use, as well. The City has prepared step-by-step instructions to aid residents and businesses in finding a property on FEMA's Flood Map Service Center, if they so choose.
PROPERTIES LOCATED IN A DESIGNATED FLOODPLAIN
According to the NFIP, residential and commercial buildings located in the SFHA (100-year flood zone) with mortgages or loans from federally-regulated or insured lenders are required to carry flood insurance. Flood insurance rates are determined by FEMA and your insurance agent. More information on flood insurance rates, requirements and claims can be found on FEMA's FloodSmart website.
Any type of work to be performed in the designated SFHA (earthwork, fill, excavation, tree clearing/plantings, development, residential addition, shed, etc.), requires a Floodplain Development Permit from the City engineer prior to starting any such work. In addition, a "No Rise" Certificate is required for any work to be performed in the designated floodway. Any non-residential structures in the designated SFHA that a property owner wants to floodproof requires a FEMA Floodproof Certificate. For help with any of these certificates or permits, contact the Environmental Speclialist in Public Works at 816-969-1800.
If a resident or business feels their property has been incorrectly included in the SFHA (100-year flood zone), they can contact the Environmental Specialist in Public Works at 816-969-1800 or review FEMA's LOMA fact sheet to determine how to request a Letter of Map Amendment (LOMA). In most cases, a survey and an NFIP Elevation Certificate will be required as part of the process. The Elevation Certificate checklist is a great resource to aid in preparing the Elevation Certificate completely and accurately, which is required.
Some NFIP publications are located in Lee's Summit City Hall but all of the current NFIP publications are located on FEMA's NFIP publications webpage. The publications below are just a few that are available from FEMA but provide valuable information for residents and businesses located within the SFHA.
Map Changes and Flood Insurance: What Property Owners Need to Know
Why Do I Need Flood Insurance
Your Homeowners Insurance Does Not Cover Flooding
Increased Cost of Compliance Coverage