National Flood Insurance Program Update (2014-15)

What is Changing with the National Flood Insurance Program?

As currently proposed by the Federal Emergency Management Agency (FEMA), changes to the National Flood Insurance Program (NFIP) will be effective in two primary ways:

  • Modification of the Special Flood Hazard Area (often applied as the flood plain).
  • Elimination of remaining federal subsidies to flood insurance policies. 
Our intent is to keep landowners updated during this process to the best of our ability, including this webpage and mailings to affected parties.  FEMA anticipates that the map changes will become effective by April 16, 2015 with any appeals finalized by late Summer 2014.

Flood Hazard Mapping Update

Around the end of 2013, FEMA informed Penn Township and all other municipalities in Lancaster County of the proposed changes to the Flood Insurance Rate Maps (FIRMs), which are used to determine the areas of flood hazard.  To help visualize the difference between the currently-adopted flood zones and the proposed expanded ones, we prepared an unofficial map illustration to help property owners understand what areas will be impacted.

The image on the right links to a PDF map that can be viewed and downloaded.  Green areas are those currently within the 100-year flood hazard area, and the yellow areas are the proposed expansions.  Questions about this information can be directed to Elizabeth Logan, Penn Township Director of Community Development and Public Outreach, by calling 665-4508 or by emailing her.

Insurance Premium Adjustments

The Biggert Waters Flood Insurance Reform Act of 2012 was passed by the U.S. Congress, requiring changes to the NFIP and its administration.  Part of this legislation will eliminate the remaining federal subsidies of individual policies (FEMA notes that only 20% of all premiums are still subsidized).   Penn Township is not involved in the details of these policies, so more information about any effect on premiums should be directed to your policy provider.  A general handout about the reform act - along with several other documents - can be found in the Related Documents section to the right.


Click below for PDF

Flood Update illustration