In April of 2006, the City of Sturgis received new Flood Insurance Rate Maps (FIRM) from The Federal Emergency Management Agency (FEMA). These maps show the flood risk zones applicable to all areas within the Sturgis area. Flood insurance premiums and requirements are based on the zone where your property is located.
How zones are defined: FEMA assigns zones based on the risk of flooding. Even if a property has never experienced a flood, it may still be in a high-risk area.
Flood Hazard Zone Requirements:
Zones A, AE and A1-A30, AH, AO, A99, V, VE (Mandatory flood insurance purchase
Zone D - possible but undetermined flood hazard. (Flood insurance is not
mandatory but is available).
Zones B, C, and X Zones outside the 1 percent annual chance floodplain. (Flood
insurance is not required).
The 2006 maps are part of a project that originated when the City of Sturgis entered into an agreement with FEMA to update the existing FIRM maps. The City Contracted Ferber Engineering, located in Rapid City, South Dakota as the contractor for the Flood Map Project. Once the Engineering Study had been completed and submitted to FEMA, the City held several public forums to give property owners a chance to review the areas affected by the new mapping. The 100-year-floodplain classification indicates that a particular land area possesses a 1 percent chance of becoming flooded. The new FIRM increased the 100-year-floodplain areas in Sturgis.
Copies of the new FEMA FIRM maps are available online in PDF format (the links are listed below under FEMA Information).
The FIRM maps and the Title 34 Flood Damage Prevention Ordinance was adopted on April 6, 2009. Ordinance
Federal law requires that a flood insurance policy be obtained as a condition of a federally-backed mortgage or loan that is secured by the building, however everyone can, and should, have flood insurance. Even if you don't live in a designated flood zone you can purchase flood insurance if your community participates in the National Flood Insurance Program (NFIP). Any property can get flooded, and anyone can buy flood insurance. Flood damage is not covered by a standard homeowner's insurance policy. You can protect your home and contents with flood insurance.