National Flood Insurance Program (NFIP)
The National Flood Insurance Program (NFIP), administered by the Federal Emergency Management Agency (FEMA), helps property owners understand and reduce flood risk through flood hazard mapping, floodplain management, and flood insurance. FEMA provides mapping tools and resources to help residents determine whether their property is located within a Special Flood Hazard Area and to make informed decisions about flood protection.
Flood Hazard Mapping
FEMA periodically updates Flood Insurance Rate Maps (FIRMs) to reflect changes in flood hazards and watershed conditions. These maps are used by property owners, lenders, insurance providers, and municipalities to determine flood risk and flood insurance requirements.
Residents can view current flood maps and determine their property’s flood zone by visiting:
Flood Insurance
Most standard homeowners insurance policies do not cover flood damage. Flood insurance is available through the National Flood Insurance Program (NFIP) and participating private insurance providers.
Even if your property is located outside a high-risk flood zone, flooding can occur anywhere. Property owners are encouraged to discuss flood insurance coverage with their insurance agent.
More than 20% of NFIP flood insurance claims occur outside high-risk flood zones, making flood insurance a worthwhile consideration for many property owners!
Floodplain Development in Penn Township
Development within regulated floodplain areas may require permits and must comply with Penn Township’s Floodplain District regulations. Property owners planning construction, additions, grading, or other improvements near streams or waterways should contact the Township Zoning Office before beginning work.