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City of Spearfish Announces new FEMA FIRM Maps

The City of Spearfish, recently received the new Flood Insurance Rate Maps (FIRM) from the Federal Emergency Management Agency (FEMA) with the anticipated effective date of April 17, 2012.  For more information on FEMA FIRM Maps please visit:

The new maps come as part of a project that originated September 25, 2002, when the City of Spearfish entered into an agreement with FEMA to update the FIRM Maps.  The City then contracted Ellis Consultants, located in Spearfish, South Dakota as the contractor for this Flood Map Project.  Once the Engineering Study had been completed and submitted to FEMA, the City and FEMA representatives held a public forum to give property owners a chance to review the areas affected by the new mapping.  The 100-year-floodplain classification indicates that a particular land area possesses a one (1) percent chance of becoming flooded.  The new FIRM Maps will increase and decrease the 100-year floodplain areas along portions of Spearfish Creek and Hungry Hollow Gulch and revise an unstudied Zone A 100-year floodplain Ice House Creek which is located by East State Street and runs through properties on East Elgin, East 8th Street, East Federal Street and ends at the intersection of East Grant Street and Main Street.

Spearfish property owners who haven’t checked to see where their homes and other buildings are located on the City of Spearfish’s new 100-year floodplain maps, can visit the Engineering-Floodplain Department located at 625 5th Street, to view the new maps.  Copies of the new FEMA FIRM Maps will be available for viewing after the maps are officially adopted by the City in a PDF format by clicking on the words “FEMA” icon on the front page of the City’s website.

FEMA is offering a Preferred Risk Policy (PRP) 2-year Eligibility Extension through the National Flood Insurance Program (NFIP) which allows property owners to purchase flood insurance after the FIRM Maps become effective, April 17, 2012.  This PRP is for property owners that will be newly designated into the 100-year floodplain.  If the property owner buys insurance before the effective date you will receive 3-years of the Preferred Risk Policy before being grandfathered into the standard rate.  For more information on FEMA’s grandfathering policy and the PRP visit:

Federal law requires that a flood insurance policy be obtained as condition of a federally-backed mortgage or loan that is secured by the building, however everyone can, have flood insurance.  Even if you don’t live in a designated flood zone you can purchase flood insurance if your community participates in the National Flood Insurance Program (NFIP).  Any property can get flooded, and anyone can buy flood insurance.  Flood damage is not covered by a standard homeowner’s insurance policy.  You can protect your home and contents with flood insurance. 




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