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St. Tammany Flood Information

St. Tammany Flood Information

In July 2012, the U.S. Congress passed the Biggert-Waters Flood Insurance Reform Act
of 2012 (BW-12) which calls on the Federal Emergency Management Agency (FEMA),
and other agencies, to make a number of changes to the way the National Flood
Insurance Program (NFIP) is run. Some of these changes already have occurred,
and others will be implemented in the coming months.

Key provisions of the legislation will require the NFIP to raise rates to reflect true flood risk,
make the program more financially stable, and change how Flood Insurance Rate Map
(FIRM) updates impact policyholders. The changes will mean premium rate increases
for some—but not all—policyholders over time. Homeowners and business owners
are encouraged to learn their flood risk and talk to their insurance agent to determine
if their policy will be affected by BW-12. Source: FEMA

FEMA has agreed that the increase in rates was a mistake. FEMA and the U.S. Government have agreed to do a budget affordability analysis. The total time to complete such research will be 3.5 years, at which time rates will not be through the unforeseeable roof as previously stated before the moratorium. If you buy a home in a flood zone it's somewhat safe to say you will not be paying more in flood insurance than your mortgage payment. 

West St. Tammany Flood Map:

East St. Tammany Flood Map:

Maps Source:

To look up a specific property address on the FEMA map click here. Please note this reflects the proposed mapping; for exact information please contact an insurance agent.


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