FEMA Floodplain Maps and Flood Insurance

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FEMA, the Federal Emergency Management Agency, regulates the National Flood Insurance Program (NFIP) of which the Village is a member.  If a property owner believes their property has been inadvertently mapped in a Special Flood Hazard Area, they may submit a request to FEMA for a Letter of Map Change. A SFHA is defined as the area that will be inundated by the flood event having a 1-percent chance of being equaled or exceeded in any given year. A LOMC reflects an official revision/amendment to an effective Flood Insurance Rate Map. If the LOMC request is granted, property owners may be eligible for lower flood insurance premiums, or the option to not purchase flood insurance. For assistance with this application process contact the Village of Oak Lawn Engineering Division at 708 499 7814.   FEMA provides information at the following links.

The process for applying for a LOMC is provided on the FEMA webpage at this link:

To search for Flood Insurance Rate Maps to see if your property is located in a Flood Plain click here:

Flood Insurance Reform Act of 2012

In July 2012, the U.S. Congress passed the Biggert-Waters Flood Insurance Reform Act of 2012 (BW-12) which calls on the Federal Emergency Management Agency (FEMA), and other agencies, to make a number of changes to the way the National Flood Insurance Program (NFIP) is run. Some of these changes already have occurred, and others will be implemented in the coming months. Key provisions of the legislation will require the NFIP to raise rates to reflect true flood risk, make the program more financially stable, and change how Flood Insurance Rate Map (FIRM) updates impact policyholders. The changes will mean premium rate increases for some—but not all—policyholders over time. Homeowners and business owners are encouraged to learn their flood risk and talk to their insurance agent to determine if their policy will be affected by BW-12


More information on these new Flood Insurance rules is provided by FEMA at the following link:

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