Flood Zone Determination Reports
The "Flood Determination Companies" link below is a list compiled by FEMA of companies who provide flood zone determinations for mortgage and flood insurance purposes. Gila County also provides flood hazard information in conjunction with development permits, but this is not designed to be submitted to an insurance company.
Gila County's Pre-Construction Flood Hazard Reports.
Gila County is not in the insurance business, and has no official input into flood insurance issues. Our only involvement is to set requirements for construction within floodplains to minimize flood damage, to protect residents and to meet the federal requirements so that Gila County residents are eligible to purchase flood insurance through the National Flood Insurance Program. Whereas Gila County may provide floodplain information for building purposes, it may vary from information provided by Flood Determination Companies.
Please be aware of the following:
1. Gila County determinations for flood zones are for the PARCEL, not existing structures. In other words, if a floodplain covers or touches a portion of the parcel, it is noted as in a floodplain, so that the appropriate staff may review building proposals. A proposed site plan is required to be submitted, so that the it may be determined whether the proposed building would be in a floodplain. If the construction submittal shows only construction outside the floodplain a Floodplain Clearance is issued, otherwise a Floodplain Use Permit is issued with stipulations for building in a manner to reduce flood damage risks. This pre-permit information is for development which is not yet built. However, insurance agents need information certifying flood information for buildings which are already built.
2. The base flood elevations (100-year water surface elevations, also known as "BFE") shown on the Gila County pre-permit information will be for the proposed building, based on where the building is expected to be built. This gives some indication of what may be needed for planning building projects. BFEs may be refined later if site plans are revised during the permit application review process.
3. Actual constructed floor elevations may vary from the minimum stated requirement in the pre-permit information report, which could affect insurance rates.