Flood Insurance Program (FEMA)

As of January 1, 2011, the Federal Emergency Management Agency’s (FEMA) National Flood Insurance Program (NFIP) will utilize a new flood insurance rating option to help reduce the financial burden placed on property owners whose buildings are newly mapped into a high-risk flood area. The PRP Eligibility Extension document below contains answers to frequently asked questions.

PRP Eligibility Extension

The City of Copperas Cove participates in the Federal Emergency Management Agency’s (FEMA) National Flood Insurance Program (NFIP). The program provides affordable flood insurance to property owners located both in and out of the floodplain.

The NFIP maps show the location of the 1% chance flood, commonly referred to as the Base Flood or the 100-year floodplain. The name “100-year floodplain” can be misleading and is being replaced with the term “1% chance flood.”The wording indicates a severe flood with a 1% chance of occurring in any given year. Please be aware that multiple “1% chance floods” can occur in a single year.

Property owners need to understand that floods can occur at any time and with any frequency.As a result, FEMA and the NFIP strongly recommend that all property owners have flood insurance because any property can experience a flood. You do not have to be in a mapped floodplain to be flooded.

Typically, homeowner insurance policies do not include flood insurance. Property owners are encouraged to review the NFIP maps and discuss insurance options with their insurance provider.

City of Copperas Cove Flood Damage Prevention Ordinance

Copies of the most recent Coryell County Floodplain Maps can be found in the files below:
Coryell County FEMA Flood Insurance Study
Coryell County Floodplain Map Index
Coryell County Floodplain Map Panel 545F
Coryell County Floodplain Map Panel 550F
Coryell County Floodplain Map Panel 635F
Coryell County Floodplain Map Panel 675F

Copies of the most recent Bell County Floodplain Maps can be found in the files below:
Bell County Floodplain Map Index
Bell County Floodplain Map panel 0250E
Bell County Floodplain Map Panel 0275E

Copies of the most recent Lampasas County Floodplain Maps can be found in the files below:
Lampasas County Map Index
Lampasas County Floodplain Map Panel 0150B
Lampasas County Floodplain Map Panel 0235B
Lampasas County Floodplain Map Panel 0245B
Lampasas County Floodplain Map Panel 0250B

National Flood Insurance Program (NFIP) informative brochures:
RiskMAP Grandfathering
Summary of Coverage
FEMA-Flood Preparation and Safety
FEMA- NFIP Espanol
NFIP- Flood Insurance Guide for Community Associations
NFIP- How the NFIP Works
NFIP- Increased Cost of Compliance Coverage-How You Can Benefit
NFIP- Increased Cost of Compliance Coverage-Creating a Safer Future
NFIP- The Benefits of Flood Insurance Versus Disaster insurance
NFIP- Top Ten Facts for Consumers
NFIP- What You Need to Know About Federal Disaster Assistance and National Flood Insurance
NFIP- Why You Need Flood Insurance
TWDB- Living in a Floodplain