Floodplain Information / National Flood Insurance Program participation

How it works

The City of Quincy participates in the National Flood Insurance Program (NFIP) through FEMA. As part of that participation, the city agrees to adopt and enforce a floodplain management ordinance. The page says this membership allows Quincy residents to purchase flood insurance policies for properties affected by flooding because of their location within the 100-year floodplain.

Mortgage companies or lenders may require flood insurance if a property is determined to be in the 1% annual chance flood, commonly called the 100-year floodplain. The page also notes that some lenders may require flood insurance as a loan condition regardless of FEMA designation, so homeowners should check with their lender before starting the process.

What the money covers

No grant, rebate, or other cash payment is offered on this page. The page is informational and focuses on floodplain status, flood insurance access, and permit requirements.

Flood risk and map information

The page explains that flood risk is based on engineered flood levels and the lowest floor elevation of a property. FEMA publishes flood risk zones in Flood Insurance Rate Maps. Residents can use free printable Flood Insurance Rate Map (FIRMettes) from the FEMA Map Service Center.

If a property was mapped incorrectly

If a homeowner believes a property was inadvertently designated in a Flood Hazard Area, they may submit property and elevation information to FEMA for review. If FEMA approves removal from the Flood Hazard Area, a Letter of Map Amendment (LOMA) is issued. A copy of the LOMA may be given to the lender to request removal of the flood insurance requirement.

Permits and local review

The page also states that all new construction, renovation, expansion, fill, or excavation within or adjacent to a designated Flood Hazard Area must be approved by the City of Quincy Engineering Department. A flood permit form is available on the city page.

Timing and deadlines

No application deadline or funding window is listed. Homeowners should consult their lender and FEMA resources before starting a LOMA request or insurance process.