The City of Clive Engineering Services Division and Community Development Department are charged with the maintenance and enforcement of the City’s floodplain and floodway ordinances as mandated by the National Flood Insurance Program.
The following was adapted from the Federal Emergency Management Agency website.
The Federal Emergency Management Agency (FEMA) publishes maps, called Flood Insurance Rate Maps (FIRMs). The purpose of a FIRM is to show the areas in our community that have a 1% or greater chance of flooding in any given year, known as Special Flood Hazard Areas (SFHAs). FIRMs are the result of engineering studies that are performed by engineering companies, federal agencies, or the community and are reviewed and approved by FEMA.
Although FEMA uses the most accurate flood hazard information available, limitations of scale or accuracy of topographic information used to prepare the FIRM may cause small areas that are at or above the flood elevation to be inadvertently shown within the SFHA boundaries. Also, the placement of fill may elevate small areas within the SFHA boundaries to an elevation at or above the flood elevation. When this happens, structures or parcels of land may be inadvertently included in the SFHA on the FIRM.
If you believe your home or business is not located in a SFHA, as shown on the Flood Insurance Rate Maps (FIRM) of Clive and would like FEMA to make an official determination regarding the location of your property relative to the SFHA, you may request a Letter of Map Amendment (LOMA) or a Letter of Map Revision Based on Fill (LOMR-F) online here via the LOMC application. You can also mail in the required forms as well. LOMAs and LOMR-Fs are documents issued by FEMA that officially remove a property and/or structure from the SFHA. To obtain a LOMA or LOMR-F, the applicant must submit mapping and survey data for the property, which may be available from the Clive Community Development Department located at City Hall, 1900 NW 114th St. In many cases, the applicant will need to hire a land surveyor to prepare an Elevation Certificate for the property.
Upon receiving an application, FEMA reviews property-specific information, and makes a final flood zone determination. Once an application and all necessary data are received, the determination is normally issued within 60 days. If the LOMA or LOMR-F removes the SFHA designation from the property, it can then be presented to the lender as proof there is no federal flood insurance requirement for the property. No fee is charged for the review of a LOMA; however, there is a $425 review fee to submit a LOMR-F online and a $525 fee to submit it via mail.
For a LOMA to be issued removing the structure from the SFHA, National Flood Insurance Program (NFIP) regulations require the lowest adjacent grade (the lowest ground touching the structure) be at or above the 1% annual chance flood elevation. To remove the entire lot, the lowest point on the lot must be at or above the 1% annual chance flood elevation. There is no fee for FEMA's review of a LOMA request, but the property owner is responsible for providing all the information needed for FEMA's review of the request, which may include elevation information certified by a licensed land surveyor or professional engineer.
The following items are required to submit the online LOMC application: specific information regarding the property (parcels) of land or structure(s), including the location, legal description and use of fill. Additional information may be required. See FEMA’s website for more information.
The issuance of a LOMA or LOMR-F eliminates the federal flood insurance purchase requirement as a condition of federal or federally backed financing. However, the mortgage lender retains the prerogative to require flood insurance as a condition of providing financing, regardless of the location of the structure.