Both the City of Key West and Monroe County, along with the municipalities, are preparing their respective appeals to FEMA’s proposed floodmaps. Woods Hole Group and Ransom Consulting have been analyzing FEMA’s data over the past year finding that FEMA made incorrect assumptions in some cases. Additionally, the consultants have incorporated date from hurricane Irma that wasn’t available to FEMA at the time it began it’s study.

In any case, we will have changes to the current maps that went into effect in 2005. The most common question we receive at FIRM is about “grandfather.”

At its simplest, grandfathering says you can keep the insurance you currently have under certain conditions. Grandfathering is a National Flood Insurance Program (NFIP) rule that was created to recognize property owners who carried a policy before the maps became effective or built to the correct standards relative to the flood map in effect at the time of construction.

While we still don’t know the outcome of the appeal, it’s a good idea to be prepared. To learn more about grandfathering as it applies to flood insurance and other topics related to the changing maps, visit the flood map special section on FIRM’s home page. Also consult with your insurance agent for questions regarding your specific policy and coverage.


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