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. � <br /> / ' <br /> I hc; vi�lp atfcrs nvu cypc�ut't1u��J insur�ncc pulici��tu pn�Ex:rry uwn�rs: thr luw-cu:+t l'rct'�rn�J ltisk <br /> I'ulicy 11'RPl 1nJ the �tanJard I�Iw�� lnsur�ncr Pali�y ISrIP)• l'hC 1'RP is avail�bte tur 1-to-1-1'�m�ly <br /> r"�J�nu;►I�tru�tur�y IucatrJ uutsiJ�the SFF{�� �vith litdc ur nu lusy histury. 1'he NRP is�va�l�ble tur <br /> tuwnhuuse�rowhuu�-rype�tructures,but is nut svailsble tur uther typCs uf'cun�iumin�um units. �fhC SFIP <br /> �� avail�bla tor all�ther stn�ctucrs. �\�iJitiunal inturtnutiun un the k'RP�nd how s pruprrty uwnrr c�n <br /> ��usl�ty tur th�s typC ut'pulicy muy be ubtained by cslling thC Fluud InsurancC Intormatiun flutlinc, tull trec, <br /> �� �_�1)U�Z7--1661. l3eture making� tinal�ircision sbuut tluod insurance covCrage, EEMA stron�ly <br /> �ncuurn�rs prupCrty u�vners tu Jiscuss their inJiviJu�i tlaxi nsk situ:itions�nd insursnce needs�vith;in <br /> msurance 1�ent or compuny. <br /> 1�F.�IA has �stablishrd "Gmndt�ther" rule' to benetit tlood insur�ncr policyhoWers who have maintaineJ <br /> ���iitinuuus covernga. Prop�rty owners maY �vish to nute also that, if they live uutside but un the trin�e uE <br /> �he SFHA shown on an rt'fective NFIP map and the map is revised to expand the SFHA to include their <br /> ,tructurcly), their t1ouJ insurance pulicy rates will not increuse� as long as the coverago fo� the atfected <br /> ,�ru�ture(s) haa lxen continuous. Property owners would continue to receive tho luw�r insurance policy <br /> rates. <br /> LOMAs aro based on minimum criteria established by the NF1P. State.counry, and communiry officials, <br /> based on knowledge of local conditions and in the interest of safety, may set highe� stundards for <br /> �onstruction in the SFHA. (f a State, county, or communiry has adopted more restrictive and <br /> �omprehensive tloodplain management criterie, these criteria take precedenca uver the minimum Federal <br /> critena. <br /> In accordance with regulations adopted by the communiry when it made application to join the NFl . <br /> letters issued to amend an NFIP map must be uctached to the community's ot�cial record copy of the map. <br /> 'i'hat map is available for public inspection at the community's official map repository. �Therefore, FEMA <br /> sends copies of all such letters to the affected community's ot'ficial map repository. <br /> When a restudy is undertaken,or when a sutfcient number of revisions or umendments occur on purticular <br /> map panels, FEMA initiates the printing and distribution process for the affected panels. FEMA notities <br /> community otficials in writing when affected map panels are being physically revised and distributed. ln <br /> such cases. EEMA attempts to retlect the resutts of the LOMA on the new map panel. lf the results of <br /> particuls�r LOMAs cannot be retlected on the new map panel because uf scale limitations, FEMA notifies <br /> the communiry in writing and revalidates the LOMAs in that letter. LOMAs revalidated in this way <br /> usually will become et�fective 1 day after the et�fective ciate of the revised map. <br /> LOMAENC-t <br />