FAQs

New Flood Maps FAQ

• My house is in 2 different flood zones, which one am I?

  If 2 different flood zones touch a structure, the more hazardous flood zone will be used. For example, if a house is in both an "A" zone and a "X" zone, the "A" zone will be used to regulate the structure since it is the more hazardous of the two.

• What is a "X" flood zone and a "shaded-X" flood zone?

  With the new set of maps, FEMA has changed the names of a couple of flood zones. The old "C" zones are now called "X" and the old "B" zones are now "shaded-X". There is absolutely no difference in the meaning, just the name changed. Neither of these zones are considered high risk, and neither zone requires the purchase of federal flood insurance.

• When will the new flood maps become effective?

  The new maps were effective May 16, 2012.

• Where can I find my new flood zone?

  You can find your flood zone at the Louisiana Mapping Project ,maps may be searched by address.

• Will my flood insurance automatically go down once the maps change?

  No, in order to lower flood insurance, residents will need to supply an updated Elevation Certificate from a surveyor that shows the new flood zone and base flood elevations.

• Will residents who are mid-policy year when the maps change, be able to receive a credit or a refund on their flood insurance?

  Yes, when the new information is submitted to the insurance agent by the homeowner, the company will make an "endorsement" on the policy. If the base flood elevation was lowered, then the policyholder will get a pro-rata refund.