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<br />ll. Flood Insurance Data
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<br />A. Flood Insurance Rate Map (FIRM): A flood Insurance Rate Map (FIRM) is published by
<br />FEMA and shows the potential flood risk according to zones of severity and is sued in setting
<br />flood insurance rates. AE and X zones are found on the FIRM for the study area. The AE zone is
<br />considered an area with a high risk of flooding. This zone is the FEMA designated floodplain,
<br />meaning that there are construction regulations that homeowners of houses located in the AE
<br />zone must follow. Parts of some AE zones may also be shown as a floodway, where there are
<br />additional requirements for new construction. The X zone is considered an area of minimal flood
<br />hazard so there are no Federal requirements to regulate new development there. Most of the
<br />houses in the study area fall in the x zone.
<br />
<br />The Harris County FIRM became effective on June 18, 2007. The map in Figure 2-1 shows the
<br />portion of the FIRM that includes the Brookglen neighborhood. The AE zone is primarily limited
<br />to the streets and the drainage ditches, and most lots are in the X zone. The drainage ditches also
<br />are mapped as floodways.
<br />
<br />It should be noted that the FIRM does not illustrate the historical risk of flooding. The houses in
<br />Brookg1en have flooded many times since they were built. Showing the lots as X zones on the
<br />FIRM does not accurately explain the true risk of repeated flooding, and could give a new
<br />homebuyer a false sense of safety from flooding. It also means that those parts of the lots with
<br />buildings on them are exempt from FEMA required flood protection regulations and pay lower
<br />flood insurance premiums than their risk warrant.
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<br />, -~ , l -_ -:. La Porte Analysis Area
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<br />2 ---- $ 30411 -----;-------,---1 _TSARPCh3nnels
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<br />
<br />Figure 2-1: Analysis Area Flood Zones
<br />
<br />Brookglen Area Analysis - DRAFT
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<br />7
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<br />9/8/2008
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