Management of Special Flood Hazard Areas
The City of Sunset Hills, in cooperation with the Missouri State Emergency Agency (SEMA) and the Federal Emergency Management Agency (FEMA), regulates and monitors construction activity and grading within defined floodplain areas within the corporate municipal boundaries of Sunset Hills. This administration includes emergency operations. The floodplain administrator is the Director of Public Works who is responsive to Appendix E of the City Code.
This activity allows for the participation of those with property within floodplain areas to participate in Federally Administered Flood Insurance.
Cost-Saving Flood Insurance Options
Preferred Risk Policy (PRP)
The PRP offers multiple coverage combinations for both buildings and contents (or contents-only, for renters) that are located in moderate-to-low risk areas (B, C, and X Zones). Preferred Risk Policies are available for residential or non-residential buildings also located in these zones, and that meet eligibility requirements based on the building’s entire flood-loss history. To view coverage options and associated rates for the PRP, please refer to the FEMA resource for homeowners and renters or for businesses.
Preferred Risk Policy (PRP) 2-Year Extension
A new flood insurance option that provides temporary financial relief to property owners in Sunset Hills who will be affected by upcoming flood-map changes will be available soon. As of January 1, 2011, the Federal Emergency Management Agency (FEMA) will be extending the eligibility of the PRP for up to 2 years after a building has been mapped into a high-risk area. To learn more about this opportunity, please refer to the FloodSmart online resource or call the FEMA Map Information exchange at 877-FEMA-MAP or 877-336-2627.
- If a policy was obtained prior to the effective date of a map change, the policyholder is eligible to maintain the prior zone and base-flood elevation as long as continuous coverage is maintained;
- For qualifying structures, if a policy is obtained during the PRP 2-year extension, then the policyholder is eligible to maintain the prior zone as long as continuous coverage is maintained.
Consider All Rating Options
It is recommended that property owners work with insurance producers to identify if they qualify for 1 of the above cost-saving options. All rating options should be considered to ensure that property owners receive the most favorable rate.
Mandatory Purchase Requirements
Mandatory Purchase Provisions
If a qualifying structure is showing as collateral on a federally backed or federally insured loan, or it is identified as being located in a Special Flood Hazard Area (A and V Zones), and is located in a participating community, then flood insurance is required. To learn more about this requirement, please refer to the NFIP Mandatory Purchase of Flood Insurance Guidelines accessible online.