Flood Hazard and Safety Precautions
Insure your property
for a flood hazard
Protect people from
Protect your property from the hazard
Protect natural floodplain functions
COMMUNITY RATING SYSTEM & FLOODPLAIN MANAGEMENT
Floodplain management is the implementation of preventative or corrective measures taken by a community to reduce the impacts of flood damage. This can include emergency preparedness plans, construction of flood control structures, or regulations that guide communities toward responsible building inside and near the floodplain.
The National Flood Insurance Program's (NFIP) Community Rating System (CRS) is a voluntary incentive program that recognizes and encourages community floodplain management activities that exceed the minimum NFIP requirements. As a result, flood insurance premium rates are discounted to reflect the reduced flood risk resulting from the community actions meeting the three goals of the CRS reduce flood losses; facilitate accurate insurance rating; and promote the awareness of flood insurance.
The City of Lawton has earned a CRS rating of 6 which results in a reduction in flood insurance premiums of 20% for homes located in the Special Flood Hazard Area and 10% outside the Special Flood Hazard Area. If you have any questions regarding the CRS program and the implementation of the program in Lawton, call (580) 581-3478.
MAP INFORMATION SERVICES
Flood map determinations are provided by the City as a service to the community. Map determinations are made either verbally, in person; by a written or faxed request that provides the City with the parcel identification number. There is a nominal fee for written determinations. Telephone requests are not provided as errors may be made in either locating the property or in relaying the required information. Request a map determination.
FLOOD MAPS & ELEVATION CERTIFICATES
All Flood Insurance Rate Maps (since 1981), Letters of Map Revision, Letters of Map Amendments and Elevation Certificates issued since November of 1981 are also made available as part of the map determination service along with information regarding flood insurance purchase requirements.
The City of Lawton maintains a database listing all Elevation Certificates on file and an index of all Letters of Map Revision on file. For further information, please contact the Stormwater Management office at
REQUESTING A CHANGE IN FLOOD ZONE DESIGNATION
Changes to your flood zone designation can be requested on-line using a new FEMA web application. A Letter of Map Amendment (LOMA) is a letter from FEMA stating that an existing structure or parcel of land will not be inundated by the 100-year base flood. LOMA-eligible requests must be properties on naturally high ground, which have not been elevated by fill. Visit www.fema.gov/online-lomc to learn more.
ADVANCED PLANNING FOR BUILDING IN A FLOODPLAIN
The best way to protect you property is to gather plenty of information for advanced planning. If you are building for the first time in the floodplain, the surest way to protect property and minimize damage to your building is to build your structure above the elevation of the 100-year flood and strictly follow local ordinances regarding building in the floodplain. To determine your flood risk, visit the FloodSmart website.
REINFORCE AN EXISTING STRUCTURE TO MINIMIZE DAMAGE
Older properties that are already situated in a special flood hazard area require more consideration for flood protection. One way to minimize damage is to eliminate any enclosed habitable spaces at ground level, remove any non-water resistant materials below base flood elevation, move any mechanical and electrical equipment below base flood elevation (BFE) to a higher location in the building and structurally reinforce the foundation.
RAISE ENTIRE STRUCTURE TO A SAFE ELEVATION
In some circumstances when the building is built on a concrete slab at grade, the structure can best be protected by raising the entire structure to base flood elevation and building a new foundation that meets current flood protection standards.
GET FLOOD INSURANCE
Homeowner's insurance does not cover damages caused by flooding. The county recommends that people who live near or in a floodplain purchase flood insurance, even if it is not mandated by your home mortgage company. Every year, 25% of flood damages occur on properties outside of the floodplain. Flood insurance is available to everyone in Lawton even if you do not live in a floodplain. To learn more about flood insurance, visit the National Flood Insurance Program website.
FOR MORE INFORMATION
To learn more about how to protect your home from flood damage, visit the Federal Emergency Management Agency website.
Common Floodplain Management Terms
• One Hundred Year Flood - The one hundred-year flood, also called the base flood, is the flood that has a one percent chance of being equaled or exceeded in any given year.
• Floodplain - A floodplain is any land susceptible to being inundated by water.
• Floodway - A floodway is a channel of a river or other watercourse and adjacent land that must be reserved in order to pass the 100-year flood without increasing the elevation more than a designated height.
• FIRM - The Flood Insurance Rate Map (FIRM) is designed to illustrate special flood hazard areas, e.g., the limits of the floodway, floodplain, and 100-year flood.
• FIS - The Flood Insurance Study (FIS) provides detailed information for a watercourse that has had a detailed study performed on it. Your local flood insurance study can provide base flood elevations.
The FIRM and the FIS information can be found on the upper left portion of this page.
ADDITIONAL INFORMATION PAMPHLETS
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