Floodplain Management

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durango rail bridge 1911 flood **Historic photo - 1911 flooding - The train pulled coal laden cars onto the bridge to give it enough weight to keep from washing away.***

NFIP INSURANCE INFORMATION 

GOVERNMENT SHUTDOWN

ASSOCIATION OF STATE FLOODPLAIN MANAGERS

INFORMATION UPDATE

The NFIP has lapsed. Here’s what it means

The National Flood Insurance Program (NFIP) expired at midnight on September 30, the end of the fiscal year, leaving homeowners largely unable to secure new flood insurance or renew existing policies. As a follow-up to last month’s member alert, below are answers to some common questions you might have. 

 What happens during a lapse? 

  • The NFIP cannot issue new or renew existing flood insurance policies until the program is reauthorized. Consumers who had a pending flood policy application or renewal should confirm with their agent that they have coverage.
  • Homeowners with active NFIP policies will still be covered until their expiration date, including a 30-day grace period. 
  • The NFIP will continue to adjust and pay claims for its policyholders, as long as funds are available. If those funds are depleted, claims payments would be delayed until additional funds become available as the NFIP collects premiums or Congress provides for additional borrowing authority.
  • Private flood insurance is not affected. 

What does the lapse mean for homebuyers?

  • In some cases, homebuyers may be able to assume the seller’s existing NFIP policy.  
  • Lenders may continue making loans during an NFIP lapse, but must still conduct flood determinations, provide accurate borrower notices, and follow all other flood insurance regulations. They are also expected to manage safety, soundness, and legal risks, and consider private flood insurance options. 
  • Private flood insurance remains an option and should be strongly considered.

Are floodplain regulations on hold during the lapse?

  • No. Communities must continue enforcing their local floodplain management regulations. Local ordinances are adopted as a condition of a community's participation in the NFIP. They are legally adopted local land use standards and FEMA will expect communities to continue administering and enforcing their regulations, even when the NFIP is lapsed. 

FDIC- Joint press release with FCA, FRB, NCUA, and OCC

Fannie Mae (scroll to section titled “Requirements During a National Flood Insurance Program Lapse”) 

 Freddie Mac - Guidance Related to the Federal Government Shutdown 

The Insurer - NFIP lapse creates opportunity for private flood insurance market

 

 

San Juan County Floodplain Management

San Juan County Floodplain Management provides the following free services:

  • Floodplain Permits can be obtained by contacting the Floodplain Manager at 505-334-4550 ex: 3 
  • Floodplain determinations on structures and land
  • Information for pre-construction and post-construction changes that can save you money on Flood Insurance.
  • Submission of Letters of Map Amendment and assistance with interpretation of Elevation Certificate data.

Call: 505-334-4719 or e-mail: mtruby@sjcounty.net for more information or assistance.


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(Photos by A.McGlade/ 6.21.24)

Floodplain Resources

Flood Insurance Resources

 

River Flooding Resources
San Juan County Hazard Mitigation Plan
NFIP Resources

2024 US 64 EVENT

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2022 Monsoon Flooding

 


ROAD 3103/ BLANCETT WASH

2022-06-27 RD3103(2)

 2022-06-27 RD3103 RD 3103_June 26.2022(2)

 

 

 


 

Treefall Causes Danger

Fast moving water eroding river bank areas and saturating ground led to large trees falling into the river. This caused dangerous conditions in the water and diverted flow over the bank to threaten homes.

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2019 Spring Run-Off

It takes a village! Neighbors and SJC employees work to push back flood waters from the Animas River. Sandbags were deployed to keep the homes from being overtaken by the high water.

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