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Changes Effective December 17, 2010
On December 17, 2010, important changes to the National Flood Insurance Program (NFIP) took effect in the City of Fernandina Beach. This date marked the effective date of the NFIP’s updated Flood Insurance Study (FIS), Flood Insurance Rate Maps (FIRM) and floodplain management regulations for construction standards in special flood hazard areas. The City of Fernandina Beach adopted these updated documents through Ordinance 2011-09 and incorporated them into Chapter 22 (Buildings and Building Regulations), Article V (Floodplain Management), of the Municipal Code.

The City of Fernandina Beach is committed to its continuing participation in the National Flood Insurance Program. Local adoption of updates to the program is essential to maintaining this participation.

Nearly 20,000 communities across the United States and its territories participate in the NFIP by adopting and enforcing floodplain management ordinances to reduce future flood damage. In exchange, the NFIP makes Federally backed flood insurance available to homeowners, renters, and business owners in these communities. Community participation in the NFIP is voluntary.

Flood insurance is designed to provide an alternative to disaster assistance to reduce the escalating costs of repairing damage to buildings and their contents caused by floods. Flood damage is reduced by nearly $1 billion a year through communities implementing sound floodplain management requirements and property owners purchasing of flood insurance. Additionally, buildings constructed in compliance with NFIP building standards suffer approximately 80 percent less damage annually than those not built in compliance.

In addition to providing flood insurance and reducing flood damages through floodplain management regulations, the NFIP identifies and maps the Nation's floodplains. Mapping flood hazards creates broad-based awareness of the flood hazards and provides the data needed for floodplain management programs and to actuarially rate new construction for flood insurance.

For more information on the NFIP, please visit Floodsmart, the official site for the NFIP or FEMA's NFIP webpage.