Understanding Floodplains and Flooding: Risks, Maps, and Insurance

Introduction to the National Flood Insurance Program

A Guide for Coastal Property Owners: Sue Baker, Maine Dept. of Agriculture, Conservation, and Forestry, Floodplain Management Program
This presentation will cover the basic program standards for new development/redevelopment in mapped floodplains and an overview of flood insurance requirements. 

Updates to Maine Coastal Flood Insurance Rate Maps: What a Homeowner Should Know

Jenn Curtis, Maine Dept. of Agriculture, Conservation, and Forestry, Floodplain Management Program
This presentation will cover what makes the new maps different from the previous maps, things to be aware of when looking at a FIRM, and how to look up and use the map for any property.

Understanding Flood Risk for Real Estate Agents and Coastal Property Owners

Jim Nadeau, Nadeau Land Surveys
With recent policy reforms affecting flood insurance rates, more public attention has been brought to the National Flood Insurance Program, flood zone mapping and determinations, as well as the impact that flood insurance has on property values and development potential, leaving many people unsure about the value of their biggest investment – their homes. Real estate consultants have a particularly important role in helping their clients understand the effect on purchasing power, resale value, and long-term investment. This presentation will help clarify common misconceptions about flood zone determinations and will analyze perceived flood risk vs. actual flood risk to help coastal property owners, or potential owners, better understand the challenges or processes they face.

As long as coastal habitation exists, residents and the various consultants who represent them, whether they are real estate, mortgage, or design professionals, should be aware of the processes involved in risk assessment, mitigation, and future planning.