What is a Floodplain?
Answer:
A floodplain is a term used by the government
to decide the level of flood risk in any given area. Technically, everyone lives in a floodplain; there is simply differing risk levels associated with each area.

The Federal Emergency Management Agency (FEMA) is the government body that decides what areas fall into different floodplain classifications. The classifications vary depending on the percentage risk of flooding during the next 100 years. All risk categories fit into the main categories of low to moderate risk or high risk.

Depending on the community you live in and its level of participation, there are varying types of flood insurance available. Although flood insurance must be purchased through an insurance agent, it is a federal policy. The cost of coverage will be determined by the level of coverage you buy and the flood risk in your area.
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