Preferred Risk Policy Eligibility Extension

FEMA has a temporary program of a lower cost flood insurance for those homeowners who did not have flood insurance but are now in a flood zone. These rates may be temporarybut may give you some time to file for a LOMA (Letter of map amendment) if your house would qualify for one.  Below are links to FEMA infomrational documents. You must discuss this with your insurance company.

Preferred Risk Extention FAQ's
https://www.floodsmart.gov/floodsmart/pdfs/FS_PRPExtensionFAQForCommunity_022014.pdf

Prefeered Risk Community Fact Sheet
https://www.floodsmart.gov/floodsmart/pdfs/prp/prp_community_factsheet.pdf

Preferred Risk Talking Points 
https://www.floodsmart.gov/floodsmart/pdfs/prp/FS_PRPExtensionTPForCommunity_022014.pdf

LOMA Process   letter of map amendment
http://www.fema.gov/letter-map-amendment-letter-map-revision-based-fill-process

Letter of Map Amendment - Out as Shown to be used if the house is clearly out of the flood zone
http://www.floods.org/ace-files/documentlibrary/committees/Insurance/LOMA-OAS_Instructions-KS.pdf

Interpreting Flood Insurance Rate Maps  October 2015 
http://www.mass.gov/eea/docs/czm/stormsmart/interpreting-fema-flood-maps.pdf