Updates to the FEMA Flood Insurance Rate Maps
Some of the FEMA Flood Insurance Rate Map panels (FIRM) for Middlesex County have been revised with an effective date of July 7, 2014. These maps are used to determine whether or not a property is located within the flood plain. Each town that takes part in the National Flood Insurance Program must adopt the newest version of the FIRM prior to the implementation date shown on the maps (in this case July 7, 2014).
The May 5, 2015 Annual Town Meeting will consider this adoption under Article 19.
The updated maps can be viewed at the Planning Department in Littleton Town Hall. Also, a digital version of these maps can be viewed below.
If you have any questions about the how these changes may impact your property please contact the Planning Department.
Listing files in '2014 Flood Maps'
FEMA 2014 - While adopting the updated Flood Insurance Rate Map panels and associated Flood Insurance Study can be considered a “housekeeping” matter, it is strongly recommended to keep the Town in compliance with FEMA requirements. If a community does not adopt or amend its existing regulations before the effective date of the new flood map (July 7, 2014) the community would be suspended from the NFIP (National Flood Insurance Program) and the following sanctions would apply:
Property owners will not be able to purchase new NFIP flood insurance policies and existing policies would expire upon the end of their policy date.
Federal grants or loans for development will not be available in identified flood hazard areas under programs administered by Federal agencies such as the Department of Housing and Urban Development, Environmental Protection Agency, and Small Business Administration.
Federal disaster assistance will not be provided to repair insurable buildings located in identified flood hazard areas for damage caused by a flood.
Federal mortgage insurance or loan guarantees will not be provided in identified flood hazard areas such as those written by the Federal Housing Administration and the Department of Veteran Affairs.
Federally insured or regulated lending institutions, such as banks and credit unions, are allowed to make conventional loans for insurable buildings in flood hazard areas of non-participating communities. However, the lender must notify applicants that the property is in a flood hazard area and that the property is not eligible for Federal disaster assistance. Some lenders may voluntarily choose not to make these loans.