Elm Creek – Letter of Map Revision (LOMR) Update

//Elm Creek – Letter of Map Revision (LOMR) Update

Elm Creek – Letter of Map Revision (LOMR) Update

View the interactive map HERE

FEMA has issued a Letter of Map Revision (LOMR) related to properties impacted by the Elm Creek Dam Project construction project. The LOMR effective date is February 16, 2018. The LOMR can be downloaded HERE

Prior to the Elm Creek Dam construction, the City conducted a Flood Study on the Elm Creek, which determined the new flood boundaries after the completion of the dam and other flood control improvements. The Elm Creek Flood Study was approved by FEMA and the MN DNR.

The City of Champlin completed the Elm Creek Dam and the other flood reduction improvements which have remove approximately 60 acres of land area from the Elm Creek Floodplain. The approval of the LOMR has initiated the final revision to the Flood Insurance Rate Map by FEMA. The LOMR is the proof that property owners should provide to their Lender and Insurance Provider indicating that their property may no longer be in the 1% (100- Year) Floodplain. However, other properties along the Elm Creek may require additional surveys to determine if their home if impacted by the 1% Chance (100 –Year) Floodplain. Notices of Changes to the Elm Creek Floodplain have been mailed to affected property owners

According to FEMA cancellation policy, it appears that property owner may receive a reimbursement of the prorated share of insurance premiums from the time of the LOMR approval to the end paid coverage. FEMA Insurance Cancellation rules for refunds based on a LOMR can be downloaded HERE

Commonly asked questions:

Question #1:
What is a LOMR?

Answer: LOMR is a Letter of Map Revision. This document is issued by FEMA as an approval of floodplain modifications and will result in revisions to the Flood Insurance Rate Map (FIRM).

Question #2:
How will I know if my property is impacted by the new Elm Creek flood study? 

Answer: The attached Floodplain Map identifies the affected properties.  Also, the City has sent letters to affected property owners with Floodplain information. Also, the LOMR can be down loaded from this web site.

 Question #3:
When will affected residents be able to drop their flood insurance?

Answer: The LOMR has been approved by FEMA (effective date-February 16, 2018) and if your insurance provider agrees with the findings, then insurance should not be required. Also, your lender and insurance provider may request individual survey records specific to your home. This would be a responsibility of the home owner to provide all necessary information to their insurance provider. Note that each property owner will need to work directly with their own insurance provider.

Question #4:
Will there be a reimbursement for flood insurance premiums for the year 2017?

Answer: Contact your insurance provider, as this is a question that only they can answer.

If you have additional questions regarding the Elm Creek Dam, Flood Reduction Improvements or the LOMR process, please contact Todd Tuominen 763-923-7120 or e-mail ttuominen@ci.champlin.mn.us