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 Environmental Specialist in Public Works at 816-969-1800 for help in determining if their property is located within the SFHA on the FEMA FIRM. 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.
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. 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 or excavation, 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. In addition, a "No Rise" Certificate is required for any work to be performed in the designated floodway.
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 NFIP Elevation Certificate will be required as part of the process and is also available on FEMA's 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 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
Who's Knocking at your Door? (after a flood)
Understanding Flood Loss Avidance
Increased Cost of Compliance Coverage