Floodplain Frequently Asked Questions

March 21, 2019 Floodplain Update FAQ

Q: Is my home in the floodplain?

A: To find out, you can view the maps here http://nrh.nexmaps.com/ or you may contact Public Works Engineering staff for a floodplain determination letter by calling 817-427-6400.

Q: Do I need to buy flood insurance?

A: If your home is now located within the 1% chance floodplain and you have a federally backed mortgage (this applies to most mortgages), there is a federal mandate to purchase flood insurance. For flood insurance rates please contact your insurance provider. For those property owners who are not required to buy insurance as a condition of having a mortgage, it may still be a good idea to consider flood insurance if your home is near one of the City’s tributaries or if you are in the 1% chance floodplain and own your property without a mortgage.

Q: Why are the maps changing?

A: The maps are being updated based on more detailed topographic data, and to reflect NRH’s current level of development. The maps are being updated to provide a more accurate picture of the flooding risk along the creeks.

Q: My home is in the 1% Chance floodplain, how likely am I to flood?

A: That depends on where you live. If you are located within the 1% chance floodplain (formerly 100-year floodplain), statistically over the life of a 30-year mortgage there is a 26% chance of being flooded.

Q: Can I buy flood insurance if I am not located in a floodplain?

A: Yes, you absolutely can. Flood insurance policies for properties outside of the 1% chance floodplain are considered preferred risk policies.

Q: My property is not in the floodplain, am I safe from flooding?

A: It is important to know that anywhere it can rain, it can flood. More than 20% of all National Flood Insurance Program claims are for properties outside of the floodplain. Here in North Richland Hills many properties experience localized drainage issues during heavy rains even though they are not located within the FEMA designated 1% Chance (formerly 100-year) Floodplain.

Q: My property floods, why am I not in the floodplain?

A: While the maps provide flood risks based on flooding sources from creeks and channels, they don’t show flood risks related to undersized drainage systems or poor lot grading.