Standard homeowner and commercial property insurance policies do not cover flood losses. However, the City has participated in Federal Emergency Management Agency (FEMA)'s National Flood Insurance Program (NFIP) since 1978 so all residents can have access to flood insurance regardless of proximity to the FEMA-designated 100-year floodplain, also known as Special Flood Hazard Area (SFHA).
Residential and commercial buildings located in the SFHA with mortgages or loans from federally-backed lenders are required to carry flood insurance. Flood insurance rates are determined by FEMA and are available from an insurance agent. More information on flood insurance rates, requirements and claims can be found on either the FloodSmart website or the ReduceFloodRisk website.
PROPERTIES LOCATED IN A DESIGNATED FLOODPLAIN
The NFIP publishes Flood Insurance Rate Maps (FIRMs) that identify SFHAs for communities. The most recent FIRMs for the City of Lee's Summit are effective as of January 20, 2017.
FEMA's Flood Map Service Center provides easy electronic FIRMs for public use. 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.
If a resident or business feels their property has been incorrectly included in the SFHA, they can request a Letter of Map Amendment (LOMA) from FEMA, after reviewing FEMA's LOMA fact sheet. In most cases, a legal survey and a complete and accurate Elevation Certificate will be required as part of the process (refer to FEMA's Elevation Certificate checklist for assistance in proper Elevation Certificate preparation).
Any type of work to be performed in the designated SFHA (including earthwork, fill, excavation, and tree clearing), requires a Floodplain Development Permit from the City engineer PRIOR to starting any such work. For information on this permit and other floodplain-related regulatory documents, vist the City's Floodplain Development Permit page.
Residents can contact the Environmental Specialist in Public Works at 816-969-1800 for more information or questions regarding proximity to a floodplain or floodplain mapping.
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.
Why Do I Need Flood Insurance
Increased Cost of Compliance Coverage (English)
Increased Cost of Compliance Coverage (Spanish)
Above the Flood: Elevating your Floodprone House
Answers to Questions About the NFIP
Elevated Residential Structures
Protecting Manufactured Homes from Floods and Other Hazards
Protecting Building Utility Systems from Flood Damage
Reducing Damage from Localized Flooding