Recent Changes to Floodplain Mapping in Wisconsin: What Homeowners Need to Know
The Wisconsin Department of Natural Resources (WI DNR) and the Federal Emergency Management Agency (FEMA) have recently updated floodplain maps, which are now officially adopted by FEMA. These updates are based on the latest flood risk data and could impact homeowners, especially in terms of flood insurance requirements.
What Has Changed?
The new floodplain maps provide a picture of flood risks by incorporating updated environmental and hydrological data. As a result, some properties that were previously outside of flood-prone areas may now be included in flood zones, while others may see their flood risk reassessed.
How Does This Affect Homeowners?
Homeowners may be receiving notifications from their mortgage companies or insurance providers about the new flood zone designations for their properties. If your property is now located within a designated floodplain, you may be required to carry flood insurance. Even if flood insurance was not previously mandatory, mortgage lenders may now require it as part of the loan agreement.
For those whose properties are not directly impacted by the new floodplain maps, it is still a good idea to check with your insurance provider to understand your current flood risk.
Key Impacts of the Mapping Changes:
- Flood Insurance Requirements: Properties newly mapped into a floodplain may be subject to flood insurance requirements. Homeowners should check with their mortgage lender or insurance company to confirm their coverage needs.
- Changes in Flood Zone Designation: Some properties may see a change in their flood zone designation, affecting both flood insurance and construction permitting requirements.
- Increased Risk Awareness: The updates to the maps provide an enhanced understanding of flood risks, helping homeowners better prepare for potential flooding events
- Building Permit Compliance: Most construction activities within a regulated floodway or floodplain require coordination with FEMA and the local Floodplain Administrator. These activities include new building construction, existing building expansion, clearing land, placing fill, grading land, and more.
How to Get Assistance
If you have questions related to floodplain zone determinations, building permits in a floodplain, or general floodplain zoning, you can contact the following:
Chad Heimerl
Water Regulation/Zoning Engineer
Wisconsin Department of Natural Resources
Chad.Heimerl@wisconsin.gov
608-576-2811
Leah Hofer
Assistant Village Manager
Village of Bayside
lhofer@baysidewi.gov
414-206-3914
Staying informed about these updates and understanding how they impact your property is crucial. If you have any questions or concerns, please do not hesitate to reach out for more information.