Federal, State, and Local Agencies & Officials

The National Flood Insurance Program, or NFIP, is administered by the Federal Emergency Management Agency (FEMA) and requires active participation and cooperation with local communities. When a community chooses to participate in the NFIP, there is an agreement between local communities and FEMA that states a community will adopt and enforce a floodplain management ordinance or a court order that meets, or exceeds, the minimum requirements of the NFIP.

This results in a framework to guide development which will reduce future flood risks to homes and properties in the Special Flood Hazard Areas (SFHAs). These areas are defined as locations where there is a higher potential for flooding. In return, property owners, in participating communities, are eligible to purchase NFIP flood insurance at subsidized rates.

Flood Insurance Rate Maps, or FIRMs, are important tools used in the planning process that protects lives and properties in communities. New Digital Flood Insurance Rate Maps, or DFIRMs, provide more detailed and accurate information on flood hazards in a digital format.

Risk MAP

Risk Mapping, Assessment and Planning (Risk MAP) is a FEMA program that helps communities assess their flood risks and encourages mitigation planning. FEMA works with state and local officials to effectively communicate flood risk to members of the community and create mitigation plans that reduce risk. This partnership also facilitates the mapping process, which helps communities understand where there is greater risk due to flooding. The goal is to increase risk awareness before a disaster occurs and reduce impacts to life and property.

It is important for communities to ensure their mitigation plans incorporate the latest floodplain risk information. Local and state agencies play an important role in the map development process and the acceptance of new maps by the community. Only quality data can help accurately assess risk. Participation in the map development process ensures a better understanding of the digital FIRMs, or DFIRMs, and is essential to community stability.


Detail of events that occur after Flood Insurance Rate Maps are issued Preliminary


As the Risk MAP process continues to identify risk and develops tools for effective risk communication, close coordination will take place between communities and other agencies and/or departments having a role in responsible floodplain management. Some of these in the coastal Texas area include the Texas General Land Office, Flood Control Districts, Council of Governments, Texas Natural Resources Information System and the U.S. Army Corps of Engineers.

New Map Changes: What do they mean?

When a community receives new DFIRMs, many home and business owners have questions if their structures are shown in an SFHA. Community officials can offer guidance to affected citizens. For more information on flood zones and how zone changes affect property owners, click here

As preliminary DFIRMs are available for communities, an interactive mapping tool will allow federal, state and local agency officials as well as other stakeholders to view them on this website.

What can you do now? What do you need to know?

  • Monitor this site and register to receive The Coastal Voice electronically.
  • Learn about Grandfathering and how it may help your constituents.
  • Learn about the Levee Certification Process.
  • Monitor the schedule posted on this website on the Storm Surge Study for the Texas Coast.
  • Reduce Future Losses

    In order to reduce future flood losses and damages, it is important for communities to develop and implement a hazard mitigation plan. This plan helps communities make risk-based decisions concerning future disasters affecting lives, property and the local economy. For more information regarding Hazard Mitigation Planning, visit this website.

    Other non disaster Hazard Mitigation Grants are available through the State of Texas. The Hazard Mitigation Grant Program (HMGP) provides grants to state and local governments to implement long-term hazard mitigation measures after a major disaster declaration. The Texas Water Development Board (TWDB) administers the Flood Mitigation Assistance (FMA) grant program for the State of Texas on behalf of FEMA. Two types of grants are available under FMA: Planning and Project.

    All-Hazard Mitigation Planning

    Mitigation planning is the result of a community joining together to protect themselves from the devastating effects of hazards common to their area. Using the skills of the community’s planners, floodplain administrators, and emergency managers, along with the information provided by Risk MAP, will develop an effective strategy minimizing the damaging effects of hazards. In addition to protecting the lives and property of the community, developing and maintaining an all-hazards mitigation plan will open the door to multiple federal grant opportunities that can help offset the costs to mitigate the danger. For more information go to http://www.fema.gov/plan/mitplanning/index.shtm.

    FMA Planning Grants

    FMA Planning Grants can only be used to develop or update the flood hazard component of the Multi-Hazard Mitigation Plan. These grants are utilized to assess flood risks and identify ways to reduce losses in the community.

    FMA Project Grants

    FMA Project Grants can be used for projects which will implement measures to reduce flood loss to structures insurable under the NFIP. Projects eligible for FMA Project Grants include acquisition of properties and insured structures, elevation or dry flood proofing of insured structures and minor localized flood reduction projects.

    For more information on this program, please visit http://www.fema.gov/government/grant/hmgp/ here.

    Important Links

  • Texas State Hazard Mitigation Office http://www.txdps.state.tx.us/dem/
  • Texas Floodplain Management Association (TFMA) http://www.tfma.org/
  • Texas Water Development Board (TWDB) http://www.twdb.state.tx.us/home/index.asp
  • Answers to Questions About the NFIP http://www.fema.gov/business/nfip/fldmanre.shtm
  • FEMA Flood Management Bulletin 1-98 (Use of Flood Insurance Study (FIS) Data as Available Data http://www.fema.gov/plan/prevent/floodplain/fis_data.shtm
  • FEMA Map Information eXchange (FMIX) https://www.floodmaps.fema.gov/fhm/fmx_main.html