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You will find answers to many of your questions about Flood Insurance and the National Flood Insurance Program (NFIP) on FEMA's website.
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The Town of Kennebunk does not require that you obtain flood insurance for you property.
No, flood insurance is intended to provide coverage for damage to a structure and the contents only, not property.
The Flood Maps are more properly known as Flood Insurance Rate Maps or FIRMs since the purpose is to identify risk due to special hazards. If you own a property located within a special hazard area, flood insurance is recommended. FEMA has indicated that properties located in newly mapped areas are likely to be grandfathered, but the risk remains.
The A zone designates areas of ponding or non-wave action. The VE zone is a velocity zone and denotes areas prone to wave action. Local flood plain management ordinances dictate the type of construction standards that must be met within each zone.
Yes, reconstruction in a Flood Zone is possible, but may require varying compliance with the codes depending on the designation of the flood zone.
The Flood Plain ordinance will need to be amended and the State of Maine is working on a model ordinance.
A decision on whether to file an appeal of the proposed Flood Maps is a decision of the Board of Selectmen as this will require authorization of funds and ultimately the Chief Elected Official (CEO) is considered by FEMA as the proprietor. The Selectmen in their capacity are the CEO.
This area is not eligible for participation in the National Flood Insurance Program (NFIP).