CLAY COUNTY, Fla. -- Now that the waters of the Black Creek have receeded people are beginning the clean up.
Before Tropical Storm Debby even formed in the Gulf, FEMA and local officials were working on revising the flood plain maps.
MORE: Flood waters close Highway 40 in Camden County
Mary Olsen with FEMA says the maps are still in a preliminary phase, but the idea is to give property owners a more up-to-date look at their flood risk since the flood plains can change.
"Environmental changes occur overtime, the flood plains widen and shift. You have developments, you have better technology available, so all of these things play into why you should update these maps and keep them current," said Olsen.
If you have a federally backed mortgage and you are now in a high risk flood zone, your insurance provider is going to make you carry flood insurance.
Oslen says that if your flood zone has changed it is important to contact your insurance provider because you may be able to lock in a lower rate before the maps become final.
Remember flood insurance is not covered by homeowners insurance, you have to have a separate policy.
Even if you are in a low to moderate risk zone, Mary Olsen says 20% of claims come from those areas.
The new flood plain map won't be final until the spring of 2013 so you do have time if you want to contest your assessment.
Here is a link to more information from Clay County: http://www.claycountygov.com/index.html
With questions or concerns you can call 904-541-3805 and leave your name, phone number and address on the recording. A representative from Clay County will look up your flood zone status and give you a call back.
First Coast News