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Know the Potential for Flooding

We recommend that you learn if a property is in a floodplain before you buy a property because you may not see the flood hazard by walking a property, or by looking at the structure. Approximately 12% of Louisville Metro is in a floodplain and threatened by annual flooding. You can read about the Floods of 1997 to get a sense of our community’s vulnerability. A home located within a Special Flood Hazard Areas (SFHA) has a 26 percent chance of suffering flood damage during the term of a 30-year mortgage.

Floodplain Determination: To find out of a property is at-risk for flooding, Click Floodplain Determination and follow the instructions to have MSD determine if a property is in a special flood hazard area.

What Should You Know? Property in a flood hazard area presents special requirements regarding Floodplain Regulations, land-use, flood insurance, and financing.

Flood Insurance: One of the best ways to protect a property is flood insurance. When a building is in a flood hazard area, your lender will require purchase of a flood insurance policy (Mandatory Purchase of Flood Insurance Requirement). Because our community participates in the National Flood Insurance Program (NFIP), flood insurance can be sold for any property, whether the property is in the floodplain or not. You should be aware: the standard homeowner’s policy does not cover flood losses.

For more Information on Flood Insurance or to find a local flood insurance agent, click FloodSmart.gov.

For further information, follow these links:

What is a Special Flood Hazard Area (SFHA)?
Land areas that are at high risk for floods are called Special Flood Hazard Areas (SFHAs), or floodplains. These areas are indicated on Flood Insurance Rate Maps (FIRMs).

What is a Floodplain?
A floodplain is any land around creeks, rivers, streams, and ditches that can be inundated or submerged by floodwaters.

Last Updated: June 11, 2012

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