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The City’s Floodplain Manager can provide the needed documentation to your insurance agent. Email a copy of the letter you received from the NFIP or FEMA to WJLoy@menlopark.org, or call 650-330-6740.
In the early 1970s the City of Menlo Park followed FEMAs procedure to develop a map showing where floods were most likely to occur. The maps were based on historic records of rainfall, tides and volume of water flowing down local creeks. The maps have been updated five times since then and are due to be updated again in 2017.
The National Flood Insurance Program, through your homeowners’ insurance company, uses these maps to decide who needs flood insurance and how much it should cost.
a. You moved into your home and purchased your flood insurance policy before April 4, 1999b. Before April 4, 1999 your lot was not in a special flood hazard area. After April 4, 1999 your lot was inside a special flood hazard area.c. You have carried flood insurance continuously since you first obtained it.
There are several categories of SFHA. They include A, AE, AO, A99, V and VE. Each has a different flood insurance cost associated with it.
Homes in SFHAs that have been paid for with federally-backed mortgages are required to carry flood insurance.