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Home My WebLink Aboutflood zone info _ . G��GY Mq,y9C a�� Federal Emergency Management Agency a = • a �,�o ' ��," Washington, D.C. 20472 ,�y o o�� - OGT 2 3 1996 IN REPLY REFER T0: Mr. Thomas and Mrs. Margaret Radke Case No. : 96-05-3312A 3424 East Lake Street Community: City of Orono, Hennepin Long Lake, Minnesota 55356 County, Minnesota Community No. : 270178 Map Panel No. : 0005 C T-218-70-RS Dear Mr. and Mrs. Radke: This is in response to your letter dated June 26, 1996, requesting that the Federal Emergency Management Agency determine whether the following property is located in a Special Flood Hazard Area (SFHA) , an area that would be inundated by the 1% annual chance flood. Property Description: Lot 3, Block l, Bayside Beach, recorded in Official Plat File No. 8100 by the Hennepin County Recorder's Office Flooding Source: Stubbs Bay/Lake Minnetonka Street Address: 3424 East Lake Street Community: City of Orono, Hennepin County State: Minnesota On October 9, 1996, we received all information necessary to process your request. After comparing this information with the National Flood Insurance Program (NFIP) map for the community referenced above, we determined that although portions of the property would be inundated by a 1% annual chance flood, the existing residential structure would not. Therefore, this letter � a �.. l.n (1 iIo ..�.•i "�t-• i"�1TIi1�.-^.^v.}.:7 �T��L'yD AR�.2� a.:.�n�'s h Lsp .,r t � C�t� �f r�:�, _..,.... r n Ccu�...y , . Number 270178, Panel 0005 C, dated October 17, 1978) to remove this residential structure from the SFHA. The residential structure is located in Zone C, an area above the 0.2% annual chance flood level, where flood insurance is available at low rates. Because portions of the property are in the SFHA, any future construction or substantial improvement on this property remains subject to Federal, State, and local regulations for floodplain management. It should be noted that this property could be inundated by a flood greater than the 1% annual chance flood or by local flooding conditions not shown on the NFIP map. Also, although we have based our determination on the information presently available, flood conditions may change or new information may be generated that would supersede this determination. 2 If a flood insurance policy has been issued under the NFIP covering the building on the aforementioned property and that policy was required by the mortgage company in conjunction with Federal flood insurance requirements, then flood insurance coverage is no longer required under those Federal requirements. Accordingly, if a lender imposed the flood insurance requirement, that lender will have to determine whether or not to continue that requirement. The lender may determine, as a business decision, that it wishes to continue the flood insurance requirement in order to protect its collateral security on the loan. If the lender decides to release the borrower from the flood insurance requirement, and the insured decides to cancel the policy and seek a refund, then the NFIP will refund the premium paid for the current policy year, providing that no claim is pending or has been paid on the policy during the current policy year. The insured must obtain a written waiver of the flood insurance requirement from the lender to provide to their property insurance agent or company that is servicing their policy. The agent or company will then process the refund request for the insured. Even though the residential structure is not located in an SFHA, as mentioned above, it could be flooded by a flooding event of greater magnitude than a 1� annual chance flood. In fact, more than twenty-five percent of all losses in the NFIP occur to buildings located outside the SFHA in Zone B, C, or X. More than one fourth of all policies purchased under the NFIP protect buildings located in these zones. That risk is just not as great as the flood risk to buildings located in SFHAs. In order to offer flood insurance protection to owners of such buildings, the NFIP offers two types of flood insurance policies: the Standard Policy and a policy for flood insurance at low rates. The low-rate policy is available for buildings located outside the SFHA with little or no loss history. The Standard Policy is available for all other buildings. Individual flood risk situations and insurance needs should be discussed with an insurance agent or company before making a final decision regarding flood insurance coverage. A copy of this Letter of Map Amendment is being sent to your community's af_ficial NFIP �!ag rep�s�tory where, ir. sccordance ti*ith regu].ations adopt�d �y the community when it made application to join the NFIP, it will be attached to the community's official record copy of the NFIP map which is available for public inspection. This response to your request is based on minimum criteria established by the NFIP. State and community officials, based on knowledge of local conditions and in the interest of safety, may set higher standards for construction in the �loodplain. If the State of Minnesota or the City of Orono has adopted more restrictive and comprehensive floodplain management criteria, these criteria take precedence over the minimum Federal criteria. f ' � 3 If you have any questions or if we can be of further assistance, please contact Helen Cohn at (202) 646-3457, or by facsimile at (202) 646-4596. Sincerely, �� ` � Frederick H. Sharrocks Jr. , C ef Hazard Identification Branch Mitigation Directorate cc: State Coordinator Community Map Repository o�'e A��.�n, ��° Federal Emergency Management Agency J' � -+ '��1''^'�: �- °��'��"�4� Washington, D.C. 20472 �1'�ND SEGJ _r�r 2 0 1�� . Quc � ► 2ooa The Honorable Barbara Peterson IN REPLY REFER TO: Mayor, City of Orono Case No.: 04-05-4027AV � '_ , 27�0 I�elley Parkway Community: City of Orono, � Orono,Minnesota 55325 Hennepin County,Minnesota Community No.: 270178 Effective Date: September 3, 2004 Revised FIRivI Nos.: 27053C: 0144, 0165, 0284, 028�, 0292, 0301-0304, 0306-0305, 0311, 0312, and 0=16 REVALIDATION Dear Mayor Peterson: When a ne�v National Flood Insurance Program(NFIP) map panel becomes effective, it automatically supersedes previously issued Letter of Map Change (LO�IC) actions (i.e., Letters of Map Revision-based on Fill [LOi�IR-Fs] and Letters of Map Amendment[LOMAs])that have been issued on that map panel,even if they are still valid and should apply to the new NFIP map as�veil. Because a revised NFIP map has been prepared for your community, it is necessary for[he Federal Emergency Management Agency(FEMA)to take administrative action to prevent valid LOl�IR-Fs and LOMAs from being superseded. Accordingly, the purpose of this letter is to revalidate the determinations for properties and/or strucnues in your community as described in the LOMR-Fs and LOMAs previously issued by FEMA on the dates listed below. As of the above-referenced effective date, these LOMR-Ps and LOMAs will revise the effective NFIP map for the referenced community, dated September 2, 2004, and �vill remain in effect until superseded by a revision to the NFIP map panel on�vhich the property is located. The FEN1A case numbers, when available, project iden[ifiers, and Flood Insurance Rate Map(FIRM) nimibers of the revalidated LOMR-Fs and LOMAs are listed in the attachment to this letter. Because these revalidated LOMR-Fs and LOMAs will not be printed or distributed to primary map users, such as local it�surance agents and mortgage lenders, your community�vill serve as a repository for these new data. We encoura�e you to disseminate the information reflected by this ]etter throughout your community so that interested persons, such as property o�vners, local insurance agents, and mortgage lenders,may benefit from the information. If you feel a LOlVIC has been omitted from the list that should have been included, �ve encourage you to submit the LOMC for re-deternunation. When requesting a re-determination, we ask that a cover letter be sent along with a copy of the original deternunation letter to: FEMA, LOMA Depot,P.O.Bos 2210,Merrifield,Vir�inia 22116. If you have any questions regarding this matter,please contact the FEMA Regional Office in Chicago, Illinois, at (312)403-5545. Copies of previously issued LOMR-Fs and LOMAs, if needed, can be obtained by contacting our Mapping Coordination Connactor, De�vberry, in Fairfax, Virginia, either by telephone at(703) 876-0148,or by facsimile at(703) 876-0073. Sincerely, Dou�Bellomo, P.E.,Acting Chief Hazard Identification Secrion,Mitigation Division, Emergency Preparedness and Response Directorate Attachment REVALIDATED LETTERS OF MAP CHANGE Communiry: City of Orono, Hennepin County,Minnesota Community No.: 270178 Effective Date: September 3, 2004 LOMC Case No. Effective Date Proiect Identifier New Panel LOMA 00-OS-3242A July 25, 2000 Lot 4,Blocl:3, Walters Port 031 lE Subdivision- 2709 Walters Port Lane LOMA 99-OS-2252A Febniary 19, 1999 Lot 2,Biock 2, Bayside Beach 0304E 3444 East Lake Str�et LOMA 97-OS-13SOA January 22, 1997 1475 Shoreline Drive 0303E LOMA 96-OS-3312A October 23, 1996 Lot 3, Block 1,Bayside Beach 0304E 3424 East Lake Street LOIvIR-F 95-OS-2672A November 21, 1995 Lot 1,Block 1, Outlot A, 0301E and 0303E Burgers Bayside 2"d Addition