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Flood Mapping

Click Here to view Palmyra’s Flood Map
Flood Permit
Flood Insurance Study

Information Regarding Letters of Map Revision Based on Fill

For Letters of Map Revision based on the placement of fill (LOMR-Fs), the Federal Emergency Management Agency (FEMA) bases its determination on the flood hazard information available at the time of the determination. Requestors should be aware that flood conditions may change or new information may be generated that would supersede FEMA’s determination. In such cases, the community will be informed by letter.

Requestors also should be aware that removal of a property (parcel of land or structure) from the Special Flood Hazard Area (SFHA) means FEMA has determined that the property is not subject to inundation by the flood having a 1- percent chance of being equaled or exceed in any given year (base flood). This does not mean the property is not subject to other flood hazards. The property could be inundated by a flood with a magnitude greater than the base flood or by localized flooding not shown on the effective National Flood Insurance Program (NFIP) map.

The effect of a LOMR-F is that it removes the Federal requirement for the lender to require flood insurance coverage for the property. The LOMR-F is not a waiver of the condition that the property owner maintain flood insurance coverage for the property. Only the lender can waive the flood insurance purchase requirement because the lender imposed the requirement. The property owner must request and receive a written waiver from the lender before canceling the policy. The lender may determine, on its own as a business decision, that it wishes to continue the flood insurance requirement to protect its financial risk on the loan. If the lender decides to release the property owner from the flood insurance requirement, and the property owner decides to cancel the policy and seek a refund, the NFIP will refund the premium paid for the current policy year, provided that no claim is pending or has been paid on the policy during the current policy year. The property owner must provide the written waiver to the property insurance agent or company that is servicing his or her policy. The agent or company will then process the refund request.

The LOMR-F provides FEMA’s comment on the mandatory flood insurance requirements of the NFIP as they apply to a particular property. A LOMR-F is not a building permit, nor should it be construed as such. Any development, new construction, or substantial improvement of a property impacted by a LOMR-F must comply with all applicable State/Commonwealth, local, and other Federal Criteria.

Even though the property is not located in an SFHA, as mentioned in the LOMR-F, it could be flooded by a flooding event with a greater magnitude than the base flood. In fact, more than 25 percent of all losses in the NFIP occur to property located outside the SFHA in Zones B, C,  X (shaded), or X (unshaded). More than one-fourth of all policies purchased under the NFIP protect property located in these zones. That risk is just nota s great as the flood risk to property located in SFHAs. To offer flood insurance protection to owners of such property, the NFIP offers two types of flood insurance policies: the Standard Policy and the Preferred Risk Policy (PRP). The PRP is available at low cost for buildings located outside the SFHA with little or no loss history. Information about the PRP and how one can apply is enclosed. The Standard Policy is available for all other buildings. Individual flood risk situations and insurance needs should be discussed with an insurance agent or company before making a final decision regarding flood insurance coverage.

The revisions made effective by a LOMR-F are made pursuant to Section 206 of the Flood Disaster Protection Act of 1973  (P.L. 93-234) and are in accordance with the National Flood Insurance Act of 1968, as amended (Tittle XIII of the Housing and Urban Development Act of 1968, P.L. 90-448) 42 U.S.C. 4001-4128, and CFR Part 65.

Letters issued to amend or revise maps must be attached to the community’s official record copy of the NFIP map. That map is available for public inspection at the community’s official map repository. Therefore, FEMA sends copies of all such letters to the affected community’s official map repository.

A community participating in the NFIP must enforce its floodplain management regulations using, at a minimum, the flood elevations and zone designations shown on the NFIP map, including the revisions made by  LOMR-Fs. LOMR-Fs are based on minimum criteria established by the NFIP. State/Commonwealth, county, and community officials, based on knowledge of local conditions and in the interest of safety, may set higher standards for construction in the SFHA. If the State/Commonwealth, county, or community has adopted more restrictive and comprehensive floodplain management criteria, these criteria take precedence over the minimum Federal criteria.

FEMA does not print and distribute LOMR-Fs to primary map users, such as local insurance agents and mortgage lenders; therefore, the community serves as the repository for the LOMR-Fs. Communities are encouraged to disseminate LOMR-Fs so that interested persons, such as property owners, insurance agents, and mortgage lenders, may benefit from the information. Communities are also encouraged to prepare articles for publication in the local newspaper that describe the changes that have been made and the assistance community officials will provide in serving as a clearinghouse for the LOMR-Fs and interpreting the NFIP maps.

When a restudy is undertaken, or when a sufficient number of revisions occur on particular map panels, FEMA initiates the printing and distribution process for panels and incorporates the changes made effective by LOMR-Fs. FEMA notifies community officials by letter when affected map panels are being physically revised and distributed. In such cases, FEMA attempts to reflect the results of the LOMR-F on the new map panel. If the results of particular LOMR-Fs cannot be reflected on the new map panels because of scale limitations, FEMA notifies the community by letter and  re-validates the LOMR-Fs in that letter. LOMR-Fs that are re-validated in this way become effective 1 day after the effective date of the revised map panels.

 

Community Rating System LOMA

This is a list of all properties that the Borough has record of that have received a Letter of Map Amendment Determination Document (Non-Removal), Letter of Map Amendment (Removal) and Letter of Map Revision (LOMR) in the Borough of Palmyra.

These amendments are based on: Community: #340110
Affected Panel: #3401100001C
Date: May 4, 1992

This information will be posted on the Borough of Palmyra website under Office of Emergency Management, Community Rating System (CRS) tab.

LETTER OF MAP AMENDMENT DETERMINATION DOCUMENT (NON-REMOVAL)

August 2005 109 Firth Lane
April 2004 410 Veterans Drive

LETTER OF MAP AMENDMENT (LOMA/REMOVAL)

December 2006 1 East 2nd Street (Structure)*
     
March 2002 1 Cinnaminson Ave. (Structure)*
April 1999 122 Cinnaminson Ave. (Structure)*
November 2009 126 Cinnaminson Ave. (Structure)*
September 2006 200 Cinnaminson Ave. (Structure)*
February 2013 207 Cinnaminson Ave. (Structure)*
     
September 2008 203 Garfield Ave. (Structure)*
August 2003 213 Garfield Ave. (Structure)*
     
February 2002 303½ Leconey Ave. (Property)
     
May 2008 104 Leconey Circle (Property)
December 2012 110 Leconey Circle (Property)
August 2009 112 Leconey Circle (Property)
October 2010 122 Leconey Circle (Structure)*
March 2007 124 Leconey Circle (Structure)*
September 2006 126 Leconey Circle (Structure)*
     
July 2010 111 Maryland Ave. (Structure)*
May 2011 113 Maryland Ave. (Structure)*
March 2008 119 Maryland Ave. (Property)
August 2007 121 Maryland Ave. (Property)
July 2009 123 Maryland Ave. (Structure)*
April 2008 124 Maryland Ave. (Structure)*
November 2009 125 Maryland Ave. (Structure)*
May 2012 127 Maryland Ave. (Structure)*
July 2008 133 Maryland Ave. (Structure)*
January 2004 137 Maryland Ave. (Structure)*
     
September 2011 3 Oregon Ave. (Structure)*
June 2011 4 Oregon Ave. (Property)
October 2011 7 Oregon Ave. (Structure)*
     
May 2003 401 Temple Blvd. (Structure)*
March 2010 214 Temple Blvd. (Structure)*
May 2011 218 Temple Blvd. (Structure)*
August 1999 227 Temple Blvd. (Property)
     
September 2008 303 Van Sant Dr. (Property)
October 2004 305 Van Sant Dr. (Property)
March 2008 317 Van Sant Dr. (Structure)*
May 2004 324 Van Sant Dr. (Structure)*
April 2004 326 Van Sant Dr. (Property)
March 2004 328 Van Sant Dr. (Property)
     
June 2003 Willow Shores Apartments Building 5000
June 2003 Willow Shores Apartments Building 5100

LETTER OF MAP REVISION (LOMR)

April 2001 The Riverfront at Palmyra Unit #100* (Quay Ct.)
December 1999 The Riverfront at Palmyra Unit #200* (Quay Ct.)
June 1999 The Riverfront at Palmyra Building 1100* (Lakeside Dr.)
February 1999 The Riverfront at Palmyra Building 1300* (Lakeside Dr.)
November 1998 The Riverfront at Palmyra Building 1500* (Lakeside Dr.)
February 1998 The Riverfront at Palmyra Building 2100* (Sanibel Circle)
June 1998 The Riverfront at Palmyra Building 2400* (Sanibel Circle)
February 1999 The Riverfront at Palmyra Building 2600* (Sanibel Circle)
August 2000 The Riverfront at Palmyra Building 3100* (Ebbtide Lane)
August 2000 The Riverfront at Palmyra Building 3200* (Ebbtide Lane)
August 2000 The Riverfront at Palmyra Building 3300* (Ebbtide Lane)
February 2000 The Riverfront at Palmyra Building 3400* (Ebbtide Lane)
February 2000 The Riverfront at Palmyra Building 3600* (Ebbtide Lane)
February 1998 The Riverfront at Palmyra Building 4100* (Vesper Circle)
February 2000 The Riverfront at Palmyra Building 4600* (Vesper Circle)
February 2000 The Riverfront at Palmyra Building 5200* (Riverfront Dr.)
February 2000 The Riverfront at Palmyra Building 5600* (Riverfront Dr.)
December 1999 The Riverfront at Palmyra Building 5800* (Riverfront Dr.)
February 1998 The Riverfront at Palmyra Building 6200* (Riverfront Dr.)
November 2001 The Riverfront at Palmyra Building 6300* (Riverfront Dr.)
November 2001 The Riverfront at Palmyra Building 6400* (Riverfront Dr.)
November 2001 The Riverfront at Palmyra Building 6500* (Riverfront Dr.)
May 2000 The Riverfront at Palmyra Building 7100* (Juniper Lane)
February 2002 The Riverfront at Palmyra Building 7300* (Juniper Lane)
February 2002 The Riverfront at Palmyra Building 7500* (Juniper Lane)
June 2001 The Riverfront at Palmyra Building 9300* (Blue Heron Dr.)

LETTER OF MAP REVISION BASED ON FILL (REMOVAL)

January 2003 Palmyra Harbour Condo Association Palmyra Harbour Clubhouse*
January 2003 Palmyra Harbour Condo Association Buildings 1 – 41*
January 2003 Palmyra Harbour Condo Association Sheds 1 – 51*
March 2001 The Riverfront at Palmyra Building 3800* (Ebbtide Lane)
March 2001 The Riverfront at Palmyra Building 4200* (Vesper Circle)
January 2003 The Riverfront at Palmyra Building 4400* (Vesper Circle)
May 2001 The Riverfront at Palmyra Building 6700* (Riverfront Dr.)
May 2001 The Riverfront at Palmyra Building 6800* (Riverfront Dr.)
March 2001 The Riverfront at Palmyra Building 7600* (Juniper Lane)
May 2000 The Riverfront at Palmyra Building 7700* (Juniper Lane)
October 2001 The Riverfront at Palmyra Building 9100* (Blue Heron Ct.)
October 2001 The Riverfront at Palmyra Building 9200* (Wrensong Ct.)
October 2001 The Riverfront at Palmyra Building 9400* (Wrensong Ct.)
March 2001 The Riverfront at Palmyra Building 9600* (Sandpiper Lane)

NOTES:
These determinations are based on the flood data presently available. However, the Federal Emergency Management Agency is currently revising the National Flood Insurance Program (NFIP) map for the community. New flood data could be generated that may affect these property’s. When the new NFIP map is issued it will supersede this determination. The Federal requirement for the purchase of flood insurance will then be based on the newly revised NFIP map.

*PORTIONS OF THE PROPERTY REMIAN IN THE SFHA: Portions of this property, but not the subject of the Determination/Comment document, may remain in the Special Flood Hazard Area (SFHA). Therefore, any future construction or substantial improvement on the property remains subject to Federal, State/Commonwealth, and local regulations for floodplain management.