Managing Floodplains in Fishers
Every body of water, such as a creek, pond, river, or lake, has a floodplain. This is the area adjacent to a body of water impacted by a 100 year flood: a significant flood that has a 1% chance of happening in any given year.
Fishers Floodplain Ordinance (PDF) along with the Indiana Department of Natural Resources' (IDNR's) and Federal Emergency Management Agency’s (FEMA’s) floodplain standards protect the floodplain and prevent physical harm and property loss that can occur from development.
Your Property and Floodplains
If you live on or near a creek, White River, or Geist Reservoir you might be in a floodplain. Find out by visiting the Flood Zone Map. You may obtain the official floodplain elevation of your lot by completing the IDNR's Floodplain Analysis and Regulatory Assessment request form (PDF).
If you believe there has been an error in your property’s classification, you may contact FEMA to request an official change to the floodplain designation for your lot. Once your completed Letter of Map Change (LOMC) application has been signed by the local floodplain administrator, it can be mailed to FEMA for an official determination. If you have successfully documented that you are out of the floodplain, FEMA will issue a LOMC.
The Fishers Final Summary of Map Actions List (PDF) shows if there has been a change to an existing LOMC or if one is no longer valid because of a map revision.
Any building located in a designated floodplain that is secured by a federally backed mortgage must carry flood insurance. Once a mortgage is paid, the owner has a choice to continue flood insurance coverage or to opt out.
Fishers participates in the National Flood Insurance Program (NFIP), reducing the cost of flood insurance for all residents of Fishers.
Anyone who owns property in Fishers may purchase flood insurance, whether they live in a floodplain or not. If your structure is located outside of a FEMA designated floodplain you are eligible to receive flood insurance at a significantly reduced rate through a program called the Preferred Risk Policy.
FEMA offers online estimates for flood insurance rates. It is strongly recommended to carry flood insurance if you live on or near a body of water. For specific questions regarding flood insurance, please contact an insurance agent.
The Homeowner Flood Insurance Affordability Act Fact Sheet (PDF) shows recent changes to legislation regarding flood insurance premiums.