Flood Insurance Rate Maps (FIRMs)

What is a FIRM?

It is the official map of a community on which FEMA has delineated both the special hazard areas and the risk premium zones applicable to the community.

Why would I need to use a FIRM?

  • Private citizens and insurance and brokers use the FIRM to locate properties and buildings in flood insurance risk areas.
  • Community officials use the FIRM to administer floodplain management regulations and to mitigate flood damage.
  • Lending institutions and federal agencies use the FIRM to locate properties and buildings in relation to mapped flood hazards, and to determine whether flood insurance is required when making loans or providing grants following a disaster for the purchase or construction of a building.

How do I read a FIRM?

How to Read A Flood Insurance Rate Map (FIRM) Tutorial
This tutorial educates users on the use and application of FEMA FIRMs. Each component of the FIRM is explored. The tutorial includes a section that contains examples of getting specific information from FIRMs.

How can I change or correct a FIRM?

FEMA has established administrative procedures for changing effective FIRMs based on new or revised scientific or technical data.



PANEL 4487          PANEL 4488

PANEL 4497          PANEL 4498

PANEL 4499          PANEL 5406

PANEL 5407          PANEL 5408

PANEL 5409          PANEL 5416

PANEL 5417          PANEL 5418

PANEL 5419          PANEL 5427

PANEL 5428          PANEL 5429

PANEL 5500          PANEL 5510

PANEL 5520


NOTE:  You can also access these maps at FEMA's website by clicking here.