The City of Paducah participates in the National Flood Insurance Program (NFIP), a component of the Federal Emergency Management Agency (FEMA). As required by the NFIP, Flood Damage Prevention Ordinance #2011-10-7871 (Chapter 50, Section II) was adopted by the Paducah Board of Commissioners and is enforced by the Paducah Engineering-Public Works Department. This Ordinance regulates development within Special Flood Hazard Areas and enforces flood control to reduce flood damage within the community. The City’s participation in the NFIP is an important element in making flood insurance available to home owners, renters and business owners.
In conjunction with the adoption of the Flood Damage Prevention Ordinance, the revised Flood Insurance Rate Maps (FIRMs) and the revised Flood Insurance Study (FIS) were also adopted. The Ordinance, FIRMs and FIS became officially effective on November 2, 2011.
The City Engineer has been appointed by the Paducah Board of Commissioners as the Floodplain Administrator to administer, implement, and enforce the provisions of the Flood Damage Prevention Ordinance.
Special Flood Hazard Areas (SFHA) are areas within the City of Paducah city limits which may be subject to periodic inundation by floodwaters that can adversely affect the public health, safety, and general welfare of the citizens of the City of Paducah. The SFHA identified by the Federal Emergency Management Agency (FEMA) for the City of Paducah are shown on the Flood Insurance Rate Maps (FIRMs) and referenced in the Flood Insurance Study (FIS). The Flood Insurance Study (FIS) is a report for McCracken County and the City of Paducah performed by FEMA.
A Special Flood Hazard Area Development Permit (SFHA Development Permit) shall be issued by the Floodplain Administrator prior to the commencement of any development activities in the SFHA.
In order to obtain a Special Flood Hazard Area Development Permit (SFHA Development Permit), a Special Flood Hazard Area Development Permit Application (SFHA Development Permit Application) shall be completed and submitted to the Floodplain Administrator prior to the commencement of any development activity within all Special Flood Hazard Areas (SFHA). The SFHA Development Permit Application will require the submittal of proposed development plans and specifications prepared by a Kentucky Registered Professional Engineer or Architect along with a $100 application fee.
The FEMA Elevation Certificate is to be submitted to the Floodplain Administrator to provide elevation certification necessary to ensure compliance with the City’s Special Flood Hazard Area Development Permit (SFHA Development Permit). In order to assist the completion of the FEMA Elevation Certificate, FEMA has compiled an Instruction Booklet for reference.
The FEMA Elevation Certificate also is utilized by others to determine the proper insurance premium rate for property within the Flood Hazard Area and to support a request for a Letter of Map Change (LOMC) from FEMA.
A FEMA Floodproofing Design Certificate is required to be submitted when floodproofing of non-residential buildings as an alternative to elevating to or above the Base Flood Elevation is permitted by the Floodplain Administrator.
Letter of Map Change (LOMC) is an official FEMA Determination, by letter, to amend or revise the Flood Insurance Rate Maps, Flood Boundary & Floodway Maps and Flood Insurance Studies. The LOMCs approved for the City of Paducah as of November 2, 2011 are listed on the attached Letter of Map Change document.
For more information regarding FEMA National Flood Insurance Program visit the FEMA website.