zoning change

trw,
i don't know if it is the same there as it is here stateside, but i had to do the same thing with my home and i was much much farther from a flood plain than 10 feet - actually it hadn't been in a flood plain since the neighborhood was developed and at the time, that was over 12 years. i had to go through fema and after i got all the paperwork submitted it still took a year to the month. i had to pay the extra insurance with no refund - it totally sucked, was very much an inconvenience and hassle and did not make me happy!

i'm like a half mile from the sea but there is like a 20 foot cliff from the sea to the road,and the road to my house is slightly uphill all the way,and then my lot sits about 6 feet above the road,i just can't see getting flooded,the house was fine through hugo and marilyn,and i have a gut at the very back of my property to handle water back there

the house beside me, which is about 20 feet away, was not in a flood zone and it sits lower than mine. because it was originally - like years and years ago when this was farmland - was a in a floodplain, and all this is in an now decent size city in kentucky, i still had to get it changed before i didn't have to have flood insurance. it was so frustrating but hopefully you won't have to go through all that. i had to get the land surveyed and worked with fema to get it changed on record before i could cancel my flood policy that was required.

good luck!!!

I went through this in West Virginia. The process is called a letter of map amendment or LOMA for short. You have to hire a surveyor to shoot the elevation of the property against the nearest benchmark. It has to be above the 100 year flood plane to get around the flood insurance. Also if you can prove the house sits above the flood plane then the insurance is much cheaper. In the end my house in West Virginia which is riverfront is above the plane. The insurance was so cheap after the elevation certificate that I have left it in force.
Hope this helps.
Jay

oh i forgot about the LOMA - words i would just soon to forget.
it can be a frustrating process but once complete you can count on your insurance being much lower and worth it.

it might be the gut that is the problem. is that the area that is in flood plain? maybe you can deed the part of your property that is in flood plain to another entity and not get insurance for that part.

hanley told me burnett over in gallows bay takes care of this.

We were recently notified that we were in a flood zone as well but we haven't tried to do anything about it. They said we were in a flood zone because of runoff from the hills behind us. It made no sense to us as the land around us and the street is lower. We would have to have a monsoon to flood our property.