Official Website of Benton Arkansas

Flood Insurance

Flood Insurance:

The zone in which your property is in as noted on the FIRM (Flood Insurance Rate Map) is directly related to the Flooding Risk and therefore potential premium costs of insurance. Other factors such as if your home was built before or after the date of your property’s FIRM became Effective, if you have accomplished any flood proofing or other mitigation of your risk, if your property has flooded, and if any claims have been made due to flooding, etc. are all key elements. In addition, if it is a requirement in the Flood Damage Prevention Program Ordinance 17 of 2012 of the City of Benton to elevate the lowest floor elevation to at least 2 feet above the 100-year elevation or Base Flood Elevation (BFE) which is noted on your property’s FIRM. This Ordinance also requires that an Elevation Certificate and other documents may be required such as LOMA (Letter of Map Amendment) if fill is placed on the property and a Flood Plain Development Permit will have to be approved by the city to build within the SFHA. Insurance Companies also place demands for Elevation Certificates or for them to be updated, if building within a SFHA or if a FIRM is updated and changes the SFHA boundaries.

Use the following links to learn more:

https://www.fema.gov/flood-insurance/work-with-nfip

https://www.usa.gov/federal-agencies/national-flood-insurance-program

https://www.floodsmart.gov/

https://www.floodsmart.gov/flood-map-zone

Effective Flood Insurance Rate Map (FIRM) Panels:

The links below are the current and adopted Flood Insurance Rate Map (FIRM) panels that became Effective June 5, 2020 for the City of Benton and adjacent areas.

To download a copy of the Current or Effective FIRMs for City of Benton from FEMA: https://msc.fema.gov/portal/advanceSearch

You can use this site to purchase hard copies of any FIRM that you need: https://floodpartners.com/fema-flood-map/