Flood Plain Hazard Information

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The City of Grand Forks participates in a FEMA sponsored program called CRS – Community Rating System that offers discounts on flood insurance.  The City is providing this information as a part of that program.

This publication is being presented to you to educate and inform about floodplain management issues and updates.  The City of Grand Forks has been intensely involved in floodplain management for many years.  The city is now entering a new era in floodplain management.  In June 2000, the cities of Grand Forks and East Grand Forks broke ground for the $409 Million Flood protection project, with certification & completion of this project, and issuance of a new map, FIRM.  A FIRM is a Flood Insurance Map that is issued by NFIP, National Flood Insurance Program.  This FIRM is the basic tool that FEMA uses to determine the flood hazard risk and regulate the requirements for flood insurance.

Our current FIRM or DFIRM, Digital Flood Insurance Rate Map, was officially certified in 2010.  Most properties affected saw a reduction in the flood threat or zone, going from a 100-year flood zone to a 500-year zone.  There are properties that will still have portions located in the 100-year floodplain zone, but the structures on these properties are far enough away from the 100-year floodplain zone.  Because there are several different situations, the details are different under each situation and must be researched separately.  Please feel free to contact the city for assistance through the Building Safety Department.

What does all of this mean to property owners?  For your information, maps are included in this publication, that show which properties are affected.  For additional details please contact the Building Safety Department.  Your mortgage company can require flood insurance on your property regardless of the flood zone designation.  That being said, your flood insurance should be correctly rated.  An example of one situation is a home that was in the 100-year floodplain and now is in the 500-year floodplain area.  (FEMA regulations do not require mandatory flood insurance in the 500-year zone, but a mortgage company may still require flood insurance as a condition of the mortgage).  The property owner must tell their mortgage company if there’s a change in the floodplain category and provide them with the proper documentation.  This documentation can be obtained from the city.  If the mortgage company indicates that they will no longer require flood insurance as a condition of the mortgage, the property owner can make the decision themselves to carry flood insurance or not to carry flood insurance at all.  Keep in mind that there are other forms of flooding besides riverine, spring thaw, such as overland flooding, that can occur after heavy rain fall, against which flood insurance can help you protect your property and belongings.

Local Flood Hazards
Drainage System Maintenance
Flood Insurance
Flood Safety
Flood Warning Program
Floodplain Development Regulations
Natural and Beneficial Floodplain Functions
Property Protection Measures
Substantial Improvement Requirements

 

Property protection advice on a site will be provided on a case-by-case basis as requested.  Flood management, flooding details, elevations, and flood protection information are some of the issues we can help a property owner with.  A Certified Floodplain Manager is available to answer your questions, give advice and will come to a property to do an onsite evaluation.  Please call the Building Safety Offices at 701-746-2631 or go to the website at grandforksgov.com to get help