The National Flood Insurance Program (NFIP), which is administered by the Federal Emergency Management Agency (FEMA), publishes Flood Insurance Rate Maps (FIRMs) that identify Special Flood Hazard Areas (SFHAs), also known as 100-year flood zones or 1% annual chance flood zones, for communities. The most recent FIRMs for the City of Lee's Summit are effective as of January 20, 2017.
The City of Lee's Summit has participated in the NFIP since April 3, 1978 so FEMA can offer flood insurance protection to ALL residents and property owners, not just those located within the designated SFHA (100-year flood zone).
Residents can contact the Public Works Department for help in determining if their property is located within the SFHA on the FEMA FIRM. However, FEMA's Flood Map Service Center provides 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.
PROPERTIES LOCATED IN A DESIGNATED FLOODPLAIN
According to the NFIP, residential and commercial buildings located in the SFHA (100-year flood zone) with mortgages and/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 but more information on flood insurance rates, requirements, and claims can be found on the FloodSmart website.
If a resident or business feels their property has been incorrectly included in the SFHA, they can visit FEMA's LOMA website to determine how to request a Letter of Map Amendment (LOMA). In most cases, an elevation certificate will be required as part of the process, which is available on the NFIP Elevation Certificate and Instructions website. 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 website.
In addition, any type of work to be performed in the designated SFHA (earthwork, tree clearing/plantings, commercial development, residential addition/shed, etc.) will require a Floodplain Development Permit from the City Engineer prior to starting any such work.