The National Flood Insurance Program (NFIP)
Periodically, rivers, streams and lakes will
overflow their banks and inundate adjacent land
areas. These areas, known as floodplains,
temporarily store this excess water. Flood damages
occur only when man interferes with the natural
flooding process by altering the watercourse,
developing areas in the upper watershed, and/or
inappropriately in the floodplain itself.
The traditional solution to flood problems has been
to build structural protection works such as dams,
diversions, levees and floodwalls. Despite
tremendous expenditures for these structural
projects, economic flood losses have continued to
increase year after year. Given this, governments at
every level have begun to see the solution to
avoiding flood damages lies not in keeping the water
away from people, but rather in keeping people away
from the water. This philosophical shift lead to the
creation of the National Flood Insurance Program
(NFIP) in 1968, thereby codifying the concept of
The base flood, sometimes referred to as the
100-year flood, has a 1% chance of occurring in any
given year. Although a 100-year flood sounds remote,
keep in mind that over the life of an average
30-year mortgage, a home located within the 100-year
flood zone (A or V zone) has a 26% chance of being
inundated by the base flood. This same home has less
than a 1% chance of fire damage during the same
Smart website is a good source of
information for those having flood
insurance. Read through and understand
if your property is in a floodplain.
Visit the FEMA website to determine your status.
Advocate@fema.dhs.gov . Contact the FEMA Flood Insurance Advocate for problems with flood insurance or flood maps.
FEMA FORMS. Get the latest version of the Elevation Certificate, LOMA, LOMR, etc. by visiting FEMA's website.
Floodplain Development Permit Application.
For those properties that are within the flood
hazard area, a County Floodplain Development
Permit is required.
Technical Bulletins. Learn all about
the technical features of flood proofing and
other building issues when developing in the
special flood hazard areas. These
bulletins give the details to be compliant with
local, State and Federal standards. Below
is a listing of the bulletins, to get a copy of
them click on the link above which will take you
to FEMA's website where the PDF files are
available for download.
Bulletin 1: Openings in Foundation Walls
Technical Bulletin 2: Flood Damage Resistant Materials
Technical Bulletin 3-93: Non-Residential Flood proofing
FLOODPROOFING CERTIFICATE form
Technical Bulletin 4-93: Elevator Installation
Technical Bulletin 5: Free-of-Obstruction Requirements
Technical Bulletin 6-93: Below Grade Parking Requirements
Technical Bulletin 7-93: Wet Flood proofing Requirements
Technical Bulletin 10-01: Ensuring that Structures Built on Fill In or Near Special Flood Hazard Areas are Reasonably Safe From Flooding
Technical Bulletin 11-01: Crawl space Construction for Buildings Located in Special Flood Hazard Areas
Umatilla County FIRM Panels
County FIRM Panels. To find out which
Flood Panel a property is within, this map will
show the new panels (effective September
3, 2010). Once the panel number is known
then that panel can be viewed by going to the
directory below for the official FEMA FIRM
UMATILLA COUNTY FIRM PANELS (Effective
September 3, 2010) Now the whole County is
being shown on the same Index map with no
individual maps for the cities or the
Tribe. The folder that contains the 2010
Panels contains all of the new panels that are
now effective as of September 3, 2010.
These new panels have the 2006 NAIP imagery as
the base layer which shows structures and other
The Milton-Freewater Area will have a large area placed in the Special Flood Hazard Area, Zone AO (Areas of Shallow Flooding). The associated map shows the Milton-Freewater Special Flood Hazard Areas.
Flood Insurance Study, Volume 1 & 2
A Flood Insurance Study (FIS) is a
book that contains information regarding flooding in
a community and is developed in conjunction with the
Flood Insurance Rate Map (FIRM). The FIS, also known
as a flood elevation study, frequently contains a
narrative of the flood history of a community and
discusses the engineering methods used to develop
the FIRMs. The study also contains flood profiles
for studied flooding sources and can be used to
determine Base Flood Elevations for some areas.
NEW FLOOD INSURANCE STUDY (Effective September 3,
2010). The Flood Insurance Study that has been
completed for the new FIRMs is now available for
review. This FIS will be effective September
3, 2010 but is here for reference. The new FIS
brings all of the County and Incorporated Cities and
the CTUIR (Tribe).
Letter of Map Change (LOMC) Issued
There have been a number of Letter of Map Changes
(LOMC) issued over the past several years.
These documents will modify the FIRM Panels and will
affect flood insurance for the parcels
involved. Therefore, the documents are
important to keep track of and on file in case there
is any question as to the status of flooding on the
- Learn more about LOMA and LOMR Applications. FEMA's website provides information about the process for a Letter of Map Amendment and Letter of Map Revision.
- How to get a LOMA in a Zone A. This handout was prepared to detail the process for surveyors to apply for a LOMA for properties without a base flood elevation.
LOMA LIST, dated August 18, 2010 dealing with
"Valid LOMC for Umatilla County" for unincorporated
areas of the County. Authorized Letter of Map
Changes do not show up on the official Flood
Insurance Rate Maps (FIRMS) so this listing is very
important to prove that the LOMC has been authorized
and flood insurance is not required.
FEMA Publications. This link will take you to FEMA's website with a list of publications on a host of issues.
Here are some quick links to publications that are
Flood Insurance Program (NFIP) Floodplain
Management Requirements (FEMA 450) This
is the desk reference and is a very large binder of
Guide to Flood Maps (FEMA 258) This reference item provides more details on reading and understanding flood maps.
FEMA's Technical Bulletins: http://www.fema.gov/plan/prevent/floodplain/techbul.shtm
Oregon Building Codes online (read only): http://www.cbs.state.or.us/bcd/programs/online codes.html
FEMA Flood Insurance Manual:http://www.fema.gov/business/nfip/manual200910.shtm