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Last modified
1/26/2010 10:09:27 AM
Creation date
10/5/2006 4:24:44 AM
Metadata
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Template:
Floodplain Documents
County
Statewide
Basin
Statewide
Title
Standards for Digital Flood Insurance Rate Maps
Date
10/1/1993
Prepared By
FEMA
Floodplain - Doc Type
Historic FEMA Regulatory Floodplain Information
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<br />recognizes that despite FEMA' s best efforts to make the FIRMs as useful as <br />possible, the descriptions of SFHA areas, as depicted by some maps, may, in some <br />instances, not be clear enough to permit lenders to decide with certainty and <br />precision whether or not property which is the security for a loan or which is <br />the subject of financial assistance is located in such an area. It is for this <br />reason that FEMA has recommended a "good faith standard." The good faith <br />standards require lenders to exercise "due diligence and good faith" in <br />determining the location of a property which is the subject Q~._~ loan relative <br />to areas of special flood hazards as shown on a FIRM. This guidance is further <br />explained, with additional information on the 1973,'Act in FEMA Publication 186, <br />October 1989, "Mandatory Purchase of Flood Insurance Guidelines." <br /> <br />When determinations are being made by lenders, or firms or individuals retained <br />by lenders to assist in these endeavors, collateral data in addition to the FIRM <br />is frequently required. FIRMs do not include all roads within communities, nor <br />dp they depict address, property boundary, or structure location information. <br />As a result, determinations frequently can only be made by using an ancillary <br />source of data, such as a land parcel map, to determine the location of a <br />property on the FIRM. <br /> <br />Digital address range data, land parcel, and structure information is available <br />for many conununities across the Nation. Using these digital data and GIS <br />technology, it is possible to make determinations relative to the 1973 Act, and <br />meeting the Good Faith Standard. However, the lenders must assure that due <br />diligence and good faith is exercised in application of digital mapping systems <br />to make determinations. Because of both the increased complexity and analytical <br />capabilities of GIS, assuring compliance with the good faith standard may require <br />additional effort relative to use of paper maps. <br /> <br />A prime concern is to assure accuracy of the digital base map and structure <br />location data are appropriate for use with DFIRM data to make determinations <br />relative to the 1973 Act. The concern for accuracy of the ancillary data used <br />with DFIRMs should increase in direct proportion to the relative closeness of the <br />property under analysis to the SFHA boundary. Thus, lenders might not find it <br />to be prudent to use digital data at the 1:100,000 scale as the primary source <br />of information upon which to make a determination regarding a property located <br />within 200 feet of a SFHA. such caveats should be carefully considered when U.S. <br />Bureau of the Census TIGER line file address range data is used as the source <br />from which property determinations will be made. <br /> <br />In some instances, GIS will enable the use of large scale land parcel, topograph- <br />ic, structure, and other information, with DFIRMs to make determinations. GIS <br />technology allows maps to be created at any user specified scale. Enlargement <br />of scales does allow for precise determinations to be made. However, precise <br />measurements are not inherently accurate. Accuracy can only be assessed from an <br />appraisal of the quality of source data. As noted previously, SFHA boundary <br />information conveyed by DFIRMs was developed to overlay USGS 7.5-minute <br />topographic maps at a scale of 1:24,000. Thus, DFIRM data cannot be assumed to <br />have an accuracy of better than 40 feet. Due to other limitations inherent in <br />DFIRMs, FIA recommends that determinations using GIS technology and DFIRMs <br />generally be made only when structures are located 50 or more feet from a SFHA <br />boundary. In these cases, data such as the BFE determined from a FIS flood <br /> <br />10/93 <br /> <br />v <br />
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