Revised July 23, 2014
The Town of Yarmouth has officially adopted the 2014 Federal Emergency Management Agency (FEMA) Flood Insurance Rate Maps (FIRMs) for the Town of Yarmouth, which became effective on July 16, 2014. The FIRM maps show areas in town known as Special Flood Hazard Areas (SFHAs). These are areas where the National Flood Insurance Program's (NFIP's) floodplain management regulations must be enforced and where the mandatory purchase of flood insurance applies for those with federally backed bank mortgages.
Map Reviewing Locations: Copies of the FIRM maps may be viewed at the links below. To identify your property’s flood zone, click on the Town of Yarmouth Index to locate your panel number and then click on the appropriate FEMA Map number below.
Copies of the FIRM maps can also be viewed on the FEMA website at https://msc.fema.gov/webapp/wcs/stores/servlet/FemaWelcomeView?storeId=10001&catalogId=10001&langId=-1. This website allows you to type in your address (including town and state) and it will identify the correct panel number for the FIRM map which you can then view and create a FIRMette for printing or save as a pdf.
In addition to the FEMA Maps, the Town of Yarmouth created an easier to read color-coded alternative map showing the SFHAs with approximate property lines and structure locations. Click on the Entire Town GIS Map link listed below. A hard copy of the Town GIS Map is available in the Engineering Department and hard copies of the FIRM Maps are available for viewing in the Building Department, both located on the lower level of Town Hall at 1146 Route 28, South Yarmouth.
Revalidated & Superseded LOMC: When the new FEMA Flood Insurance Rate Maps (FIRMs) became effective on July 16, 2014, there were several existing Letters of Map Change (LOMC) that were superseded. These properties and/or structures are now considered to be located within a Special Flood Hazard Area (SFHA) and would be subject to all applicable regulations. The Town sent a notification letter to the impacted property owners in August of 2013, when the superseded LOMCs were originally identified by FEMA. Conversely, there were numerous LOMCs that were determined to remain valid under the new maps. The LOMCs for these properties and/or structures were revalidated in the July 16, 2014 letter from FEMA listed below. The Building Department has been notified of these changes as outlined in the July 23, 2014 letter below.
Flood Insurance Relief: President Obama signed into law the Homeowners Flood Insurance Affordability (HFIA) Act on March 21, 2014. This law amends the Biggert Waters Flood Insurance Reform Act of 2012 and delays or softens the implementation of some of the flood insurance rate hikes required by Biggert Waters. Although Biggert Waters was originally put into place to improve the financial stability of the National Flood Insurance Program, which was running in a deficit after multiple major storm events, it had the unintended financial consequence of excessively high flood insurance rates for many properties. The Homeowners Flood Insurance Affordability Act provides for temporary relief for some properties as outlined in the Fact Sheet included below. Although it provides for slower rate increases, the intent is to move toward full actuarial flood insurance rates for properties located in Special Flood Hazard Areas (SFHAs). Information on the implementation of the HFIA can be found at the link below with additional information available at: