Floodplain Development Ordinance
The City of Pendleton is required by the Federal Emergency Management Agency (FEMA) to adopt an ordinance regulating development within flood hazard areas. According to the most recent maps, more than 400 individual properties within the City of Pendleton are in flood hazard areas. Many (although not all) property owners will be required to obtain flood insurance, even if there is no record of a flood on the property. The development standards limit development within flood hazard areas, including material stored outside.
Adoption of a floodplain ordinance is mandated by the Federal government in order for properties within the jurisdiction to obtain federally subsidized flood insurance. If the City of Pendleton fails to enforce the floodplain ordinance, no property within the City of Pendleton will be eligible to participate in the National Flood Insurance Program (NFIP), including those who already have federally subsidized flood insurance. Properties in flood hazard areas that do not have floodplain insurance may not be eligible for a mortgage.
What does this mean for you?
In simple terms, if the City fails to enforce this new ordinance, you may be unable to obtain a mortgage to buy or sell property in a flood hazard area. In the event of a flood, you will not have insurance to repair or replace damaged property.
Floodsmart.gov- Everything you need to know about the National Flood Insurance Program
FEMA Flood Information- Flood Maps, Insurance, and Information
National Flood Insurance Program- Flood Hazard Mapping
FEMA Map Service Center- Find local flood maps (FIRMs)
Floodplain Wikipedia Entry- A basic primer on floodplain issues (not endorsed by the City of Pendleton)
Frequently Asked Questions- The most common questions about floodplain issues
FEMA letter re-adoption of Floodplain Ordinance (Includes a FEMA guide on adopting flood insurnace rate maps)
Loading Floodplain Info into Google Earth (Use these directions to load the files below into Google Earth)
100 year floodplain file for Google Earth
500 year floodplain file for Google Earth
Floodway file for Google Earth
Floodway Delineation (USGS Resources)