Frequently Asked Questions

  • What is a Flood?
  • Primary Flooding Sources
  • Frequency of Flooding
  • Cause and Time of Flooding
  • Boundaries of Flood Hazard Areas
  • What FEMA Flood Insurance Rate Map (FIRM) is currently being used?
  • What is the date of the City of Sioux Falls first insurance rate map?
  • How can it be that I now get notified that I’m in the floodplain (when I wasn’t before)?
  • Who determines what zone a property is within for insurance?
  • What if I disagree with my lender's determination that I am in the flood zone?
  • What is a Pre-Firm vs. a Post Firm property?
  • What is a Special Flood Hazard Area (SFHA)?
  • When do floodplain boundaries determinations become “issues”; for building construction versus building insurance?
  • What are the requirements for development within a special flood hazard area?
  • What is a Base Flood Elevation [BFE]?
  • Is an elevation certificate required?
  • What is "Grandfathering" as it relates to flood zones?
  • Do all policies need Built in Compliance Certificates?
  • Can insurance companies request Built in Compliance Certificates from the Floodplain Administrator to Grandfather a property?
  • Do insurance agents need elevation certificates?