Floodplain Insurance

Floodplain Insurance Information

National Flood Insurance Program: Since the 1980’s, the City of Midland has participated in the National Flood Insurance Program (NFIP), a Federal program that enables property owners in participating communities to purchase insurance protection against losses from flooding. This insurance is designed to provide an insurance alternative to disaster assistance to meet the escalating costs of repairing damage to buildings and their contents caused by floods.

NFIP participation is based on an agreement between local communities and the Federal Government starting that if a community will adopt and enforce a floodplain management ordinance to reduce future flood risks to new construction in Special Flood Hazard Areas, the Federal Government will make flood insurance available within the community as a financial protection against flood.

For more information review Midland County's FEMA Flood Insurance Study (PDF) (May 2009).

FEMA Flood Map Store

The Flood Map Store is part of the Map Service Center (MSC), which distributes National Flood Insurance Program (NFIP) products including: Digital Flood Insurance Rate Maps (DFIRM), Flood Insurance Rate Maps (FIRM), Flood Insurance Studies (FIS), Digital Q3 flood data, Community Status Book, Flood Map Status Information Service (FMSIS), and Letters of Map Change (LOMC). Currently, businesses are able to purchase all these products online at the FEMA Flood Map Store.

An Elevation Certificate (EC) (PDF) is a FEMA form which must be used when a floodplain has a base flood elevation. The elevation certificate must be signed and sealed by a land surveyor, engineer or an architect authorized by law to certify elevation information. An elevation certificate is used to verify a site's natural ground elevation and that a building is elevated properly out of the floodplain. Insurance agents use an elevation certificate to write flood insurance policies.