National Flood Insurance Program (NFIP)

​The National Flood Insurance Program (NFIP), which is administered by the Federal Emergency Management Agency, is a federal provider of flood insurance policies. Flood insurance is required for mortgages on structures in areas designated as a Special Flood Hazard Area and Coastal High Hazard Area. Lee County joined the NFIP in September 1984 when the County adopted its first Flood Insurance Rate Maps. Those maps establish flood zones and base flood elevations to determine the cost of flood insurance premiums.

As a member of NFIP, Lee County assists our citizens with services including: 

Background

A Flood Insurance Rate Map (FIRM) is a map created by the National Flood Insurance Program (NFIP) for floodplain management and flood insurance purposes. These maps are also known as flood maps.

FIRMS, or flood maps, are used to determine flood insurance premium rates and some building code requirements. By law, flood insuance is required for federally backed mortgaged homes residing in flood zones  beginning with the letters  A or V.

Flood zones or SFHAs (Special Flood Hazard Areas) are geographic areas that FEMA has defined according to varying levels of flood risk. Various sources of flooding include but are not limited to: riverine, poor drainage, sheet flow, coastal flooding, rain storms, etc).

A FIRM will generally show a commmunity’s Base Flood Elevations (BFE), floodplain boundaries and flood zones


Flood Map Changes

Lee County’s flood maps are constantly evolving because flood hazards change over time due to various reasons (how water flows and drains can change due to erosion, land use, new development, natural forces, changes in topography, etc).

Changes are made to flood maps to better reflect the current flood risk.  There are many types and levels of flood map changes. These flood map changes can be initiated by private citizens (residents or their representatives), community officials or by FEMA. 

The vehicle to which Flood map changes are made is through the Letters of Map Change (LOMCs) process.

LOMCs are determination letters and associated documents, prepared and issued by FEMA, which officially amends or revises an effective Flood Insurance Rate Map. There are different types of LOMC sub categories based on the complexity of the flood map change project.

Changes to flood maps range from small map amendments correcting the flood zones of single lots or buildings all the way to large comprehensive map revisions changing flood zones, base flood elevations and possibly floodways affecting many flood map panels all throughout the County.

LOMCs are issued in three forms

LOMA (Letter of Map Amendment) is an official amendment of the effective NFIP FIRM map for a community. The LOMA provides FEMA’s determination as to whether a structure or property that is on natural high ground (not elevated by fill) has been inadvertently included in the Special Flood Hazard Area (SFHA) show on the flood map. The LOMA (if approved) establishes the property or location to be outside the SFHA.

LOMR-F (Letter of Map Revision based on fill) is an official revision of an effective NFIP FIRM map for a community. The LOMR-F provides FEMA’s determination as to whether a property (i.e., legally defined parcel of land or structure) has been elevated on fill above the Base Flood Elevation (BFE) and is therefore outside the SFHA.

LOMR (Letter of Map Revision) is an official revision (by letter) of an effective NFIP FIRM map. The LOMR produced is issued by FEMA to change flood elevations, floodplain and regulatory floodway boundaries and planimetric features. LOMRs typically are related to geographic areas of land (contiguous or isolated)

List of LOMC subcategories

View list of LOMC subcategories


 The below links are large map changes initiated by FEMA.  These are Letters of Map Revision (LOMRs) that revise flood map panels within a community.

1984 Original Flood Maps

2008 Flood Map Revisions

2018 Flood Map Revisions

2019 Preliminary Flood Map Revisions


Learn more about these Map Corrections topics:


Altered Map Panels based on Letters of Map Revisions (LOMRs)

Below is a table of altered map panels. NOTE: Search for map panels through all the cases. Some panels have more than one update affecting different portions of the panel. Click on the panel number to download the full map panel and its revision; click on the case number to download the applicable documentation.

Also below is a table of conditional LOMRs which do not alter map panels.  Click on the case number to download the applicable documentation.

Find out more about LOMRs.

ALTERED MAP PANELS ​ ​
PANEL NUMBER

           

CASE NUMBER

               

​FLOODWAY/FLOODING SOURCE

                

DESCRIPTION

12071C0019 F 13-04-3479P​Gulf of MexicoBoca Grande Isles - V Zone and BFE revision
12071C0019 F ​14-04-6406P​Gulf of MexicoBoca Grande Isles II - ​V Zone and BFE revision

12071C0019 F

14-04-8329P​Gulf of Mexico​Boca Grande Isles III - V Zone and BFE revision

​​12071C0019 F

​15-04-4830P​Gulf of MexicoBoca Grande Isles IV - ​V Zone and BFE revision
​12071C0019 F ​15-04-7181P​Gulf of Mexico​Gasparilla Inn
​12071C0019 F ​16-04-7007P​Gulf of Mexico​Boca Grande Isles V - ​V Zone and BFE revision (fka 15-04-5434P)

12071C0019 F

17-04-7100P

​Charlotte Harbor

​1768 Jose Gaspar Dr -  V Zone revision

12071C0070 F 09-04-1718P​Charlotte Harbor3361 Diamond Key Court Park - V Zone revision
12071C0182 F 10-04-7794P​Gulf of MexicoSuperseded by Case 15-04-9971X
​12071C0182 F ​15-04-9971X​Gulf of Mexico​300 block of Gulf Blvd, Boca Grande (supersedes Case 10-04-7794P) - V Zone BFE revision
​12071C0182 F ​16-04-0292P​Gulf of Mexico271 and 1718 Gilchrist Ave, Boca Grande - V Zone and BFE revision
​12071C0182 F 16-04-2912P​​Gulf of Mexico890 Belcher Rd, Boca Grande - V Zone and BFE revision
​12071C0182 F ​16-04-4231P​Gulf of Mexico​320 Gulf Blvd, Beach Club, Boca Grande - V Zone and BFE revision
​12071C0182 F ​16-04-4523P​Gulf of Mexico​210 Banyan St, Boca Grande - V Zone and BFE revision
​12071C0184 F ​16-04-2912P​Gulf of Mexico890 Belcher Rd, Boca Grande - ​​V Zone and BFE revision
12071C0258 F 10-04-0289P​East Yellow Fever CreekDiplomat Park

12071C0258 F

17-04-5713PEast Yellow Fever Creek​​Diplomat RV Storage (2900 Diplomat Pkwy) - decreases and increases in AE zones and BFE
12071C0259 F 10-04-0289P​East Yellow Fever CreekDiplomat Park

12071C0259 F

17-04-5713P

​East Yellow Fever CreekDiplomat RV Storage (2900 Diplomat Pkwy) - decreases and increases in AE zones and BFE
12071C0267 F 10-04-0289P​East Yellow Fever CreekDiplomat Park

12071C0267 F

17-04-5713P

​East Yellow Fever Creek​Diplomat RV Storage (2900 Diplomat Pkwy) - decreases and increases in AE zones and BFE
12071C0270 F 10-04-0289P​East Yellow Fever CreekDiplomat Park

12071C0270 F

17-04-5713P

​East Yellow Fever Creek​Diplomat RV Storage (2900 Diplomat Pkwy) - decreases and increases in AE zones and BFE
12071C0282 F 12-04-2790P​Owl Creek and Trout Creek/Curry Lake CanalOwl Creek BW & S
12071C0286 F 10-04-2746P​Gulf of Mexico (Caloosahatchee River)Coon Rd, LaJeunesse Property - V Zone revision
12071C0301 F 12-04-2790P​Owl Creek and Trout Creek/Curry Lake CanalOwl Creek BW & S
​12071C0364 F 15-04-9900P​Gulf of Mexico15951 Captiva Dr, Tween Waters Inn - ​V zone and BFE revisions

12071C0416 F

18-04-5442P

​Gulf of Mexico (Caloosahatchee River)

​758 Cal Cove Dr - decrease in VE zone, increase in AE, decrease in BFE
12071C0419 F 12-04-0044P​Gulf of MexicoFirst Class Car Care, area of Gladiolus Dr and Heritage Farms Rd - AE Zone revision
​12071C0419 F ​16-04-2127P​Hendry Creek7151 Hinson's Point - decrease in Hendry Creek Floodway; increase in AE zone BFE​
12071C0427 F 12-04-4033P​North Colonial WaterwayNorth Colonial Waterway floodway
12071C0428 F 10-04-5814P​Ten Mile CanalTen Mile Canal/Metro Parkway floodway
12071C0431 F 08-04-0920P​Six Mile Cypress SloughSix Mile Preserve/Benderson
12071C0431 F 12-04-3735P​Six Mile Cypress SloughMarbella
12071C0433 F 12-04-3735P​Six Mile Cypress SloughMarbella
12071C0436 F 10-04-5814P​Ten Mile CanalTen Mile Canal/Metro Pkwy floodway
12071C0438 F 10-04-3805P​Ten Mile CanalTen Mile Canal at Old US 41 floodway
12071C0439 F 10-04-3805P​Ten Mile CanalTen Mile Canal at Old US 41 floodway
​12071C0502 F ​15-04-9900P​Gulf of Mexico15951 Captiva Dr, Tween Waters Inn - ​V zone and BFE revisions
​12071C0506 F 15-04-9900P​​Gulf of Mexico15951 Captiva Dr, Tween Waters Inn - ​V zone and BFE revisions
12071C0530 F 12-04-0347P​Gulf of MexicoCactus Point and Vacation Lanes/Johnson - V Zone and BFE revision

12071C0532 F

17-04-0381P​San Carlos Bay​Sanibel Harbor South Tower - V Zone and BFE revision
12071C0554 F 13-04-3849P​Gulf of Mexico150 Old San Carlos Blvd and generally near San Carlos and Fifth Ave - Convert V Zone to AE Zone
12071C0557 F 08-04-2060P​Gulf of MexicoHarbourside Oasis Key, East Bay Circle and Bristol Bend - V Zone
12071C0576 F 09-04-0340P​Ten Mile CanalPublix, Alico Commons
12071C0576 F 09-04-3111P​Estero BayShadow Wood Preserve, Shadow Creek Blvd and Sandalwood Pointe - V Zone
12071C0576 F 10-04-3805P​Ten Mile CanalOld US 41 floodway
12071C0576 F 11-04-2487P​Ten Mile CanalEmerson Square
12071C0576 F 12-04-4132P​Ten Mile CanalHidden Harbor
12071C0577 F 09-04-3111P​Estero BayShadow Wood Preserve, Shadow Creek Blvd and Sandalwood Pointe - V Zone
12071C0577 F 10-04-3805P​Ten Mile CanalOld US 41 floodway
​12071C0577 F 14-04-5866P​​Mullock Creek​Mullock Creek/Alan C. Freeman Property
12071C0578 F 09-04-3111P​Estero BayShadow Wood Preserve, Shadow Creek Blvd and Sandalwood Pointe - V Zone
12071C0579 F 09-04-3111P​Estero BayShadow Wood Preserve, Shadow Creek Blvd and Sandalwood Pointe - V Zone
12071C0581 F 11-04-5887P​Estero RiverUniversity Highlands Limited Partnership
12071C0583 F 09-04-0329P​Estero RiverCoastal Villages/Colico
12071C0583 F 11-04-5887P​Estero RiverUniversity Highlands Limited Partnership
12071C0584 F 11-04-5887P​Estero RiverUniversity Highlands Limited Partnership
12071C0592 F 09-04-5099P​South Branch Tributary (Estero River)Midtown Estero
12071C0592 F 11-04-5887P​South Branch Tributary (Estero River)University Highlands Limited Partnership
12071C0592 F 12-04-3212X​South Branch Tributary (Estero River)Midtown Estero
12071C0594 F 09-04-5099P​South Branch Tributary (Estero River)Midtown Estero
12071C0594 F 12-04-3212X​South Branch Tributary (Estero River)Midtown Estero
12071C0676 F 09-04-3113P​Imperial RiverBonita 75
12071C0678 F 09-04-3113P​Imperial RiverBonita 75

 

​CONDITIONAL LOMRs ​ ​<Bookmark>
​CONDITIONAL LOMR CASE NUMBER ​FLOODWAY/FLOODING SOURCE ​DESCRIPTION
​​08-04-3212C​San Carlos Bay​18301 McGregor Blvd, Island Passage - V Zone revision
​11-04-1870R​Trout Creek and Curry Lake Canal​Babcock Ranch Community
12-04-0435RSpanish Creek​​Riverwood Estates

 

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