The Town of Prosper participates in the National Flood Insurance Program (NFIP) of the Federal Emergency Management Agency (FEMA). The Engineering Division maintains floodplain records for the Town of Prosper. As a participating community, the Town requires that no development in the 100-year floodplains (the area inundated by a storm that has a 1% chance of happening in any year). Town standards require all new structures be constructed two feet above the adjacent water surface elevation of the 100-year floodplain. When developing along a major creek within the Town of Prosper, the developer must submit a Flood Study to the Town showing the 100-year floodplain and water surface elevation based on both current land-use and future land-use assumptions.
Flood Insurance Rate Maps
Flood Insurance Rate Maps (FIRMs) delineate the floodplains throughout the United States and are used by lenders and insurance companies to determine if your property is in a floodplain. FEMA prepares the FIRMs and since the current FIRMs were published in January of 1996, Lenders and Insurance Companies may not be aware of these changes, so it may be necessary to call the Engineering Division of the Development Services Department at (972) 346-3502 to determine if the floodplain map for your area has changed To receive a copy of the change, FIRMS’s and many Letters of Map Changes can also be obtained online from the FEMA Map Service Center on-line at fema.gov. You can also call and order all floodplain maps in the U.S. by calling toll-free 1-800-358-9616. The Town works with FEMA to ensure that the latest floodplain information is available on those maps. When floodplain information is updated, the Town acts as the repository for local floodplain information until the updated FEMA maps are reissued.
Letters of Map Revisions
Flood Insurance Rate Maps can change as development occurs. If a developer wishes to alter and/or fill a portion of the floodplain, they must prepare a Flood Study showing no adverse effects or substantial changes in the water surface elevation. This flood study, along with a detailed application, may be submitted to FEMA to be considered for a Letter of Map Revisions. If approved, the Letter of Map Revisions serves as an official revision to the FIRM. Individual property owners may also contest the floodplain designation for their property by submitting information to FEMA.