FAQs • Kennebunk, ME • CivicEngage

What happens if my property is currently not in a flood zone, but ends up in one under the revised maps?: The Flood Maps are more properly known as Flood Insurance Rate Maps or FIRMs since the purpose is to identify risk due to special hazards. If you own a property located within a special hazard area, flood insurance is recommended. FEMA has indicated that properties located in newly mapped areas are likely to be grandfathered, but the risk remains.

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Community Development, Planning & Codes: FEMA

1. Does the Town require that I obtain flood insurance?: The Town of Kennebunk does not require that you obtain flood insurance for you property.

2. If my property is in a flood zone but my building is not, do I need to obtain flood insurance?: No, flood insurance is intended to provide coverage for damage to a structure and the contents only, not property.

3. What happens if my property is currently not in a flood zone, but ends up in one under the revised maps?: The Flood Maps are more properly known as Flood Insurance Rate Maps or FIRMs since the purpose is to identify risk due to special hazards. If you own a property located within a special hazard area, flood insurance is recommended. FEMA has indicated that properties located in newly mapped areas are likely to be grandfathered, but the risk remains.

4. What is the difference between an A zone and a VE zone?: The A zone designates areas of ponding or non-wave action. The VE zone is a velocity zone and denotes areas prone to wave action. Local flood plain management ordinances dictate the type of construction standards that must be met within each zone.

5. Can I rebuild in a flood zone?: Yes, reconstruction in a Flood Zone is possible, but may require varying compliance with the codes depending on the designation of the flood zone.

6. How will the proposed flood maps affect the current Town of Kennebunk flood ordinance?: The Flood Plain ordinance will need to be amended and the State of Maine is working on a model ordinance.

7. Is the Town going to appeal the proposed flood maps?: A decision on whether to file an appeal of the proposed Flood Maps is a decision of the Board of Selectmen as this will require authorization of funds and ultimately the Chief Elected Official (CEO) is considered by FEMA as the proprietor. The Selectmen in their capacity are the CEO.

8. What is the Coastal Barrier Resource System (CBRS) {11/16/1990 Parsons Beach}?: This area is not eligible for participation in the National Flood Insurance Program (NFIP).

9. What if I have more questions about Flood Insurance and the National Flood Insurance Program (NFIP)?: You will find answers to many of your questions about Flood Insurance and the National Flood Insurance Program (NFIP) on FEMA's website.