About the Floodplain Management Program


A significant milestone of the Biggert-Waters Flood Insurance Reform Act of 2012 (BW-12) is now upon us.  Beginning today, October 1, 2013, policies newly issued, assigned or reinstated after a lapse on Pre-FIRM properties in the Special Flood Hazard Area (SFHA) are subject to full-risk rating requiring an Elevation Certificate.  In addition, policies newly issued or assigned on Pre-FIRM properties using the subsidized rate on or after July 6, 2012 (the date BW 12 became law) will face full-risk rating upon renewal on or after October 1.  Further, policies that were allowed to lapse after July 6, 2012 and were reinstated after October 4, 2012 will face full-risk rating upon renewal after October 1.

Existing policies (issued originally prior to July 6, 2012) on Pre-FIRM properties which are primary residences may continue to be renewed using the subsidized rate until the property is sold to a new owner or the policy lapses.  It is important, therefore, that agents, companies, lenders, and the policyholders themselves maintain an awareness of the timely renewal of these existing policies to avoid a lapse which may then trigger full-risk rating and the need for an Elevation Certificate.

At this time the NFIP's grandfathering and its extension of eligibility of the Preferred Risk Policy (PRPEE) procedures will continue as usual subsequent to October 1, however, the grandfathering of subsidized rates (Pre-FIRM properties in the SFHA or ZONE D and rated without an Elevation Certificate) will not be allowed to continue upon sale of a property or the lapse and subsequent reinstatement of a subsidized policy.  We expect further guidance from FEMA on the possible impact to grandfathering and PRPEE from the future implementation of section 100207 of BW 12.

Mark Stransky, P.E., CFM
Floodplain Manager

Washington County Administrative Annex
80 West Baltimore Street
Hagerstown, Maryland 21740
Telephone: (240) 313-2460
Fax: (240) 313-2461

Email Mark Stransky