Indiana Perpetual Flood Plain Easement is a permanent conservation agreement between a landowner and the State of Indiana. It is an agreement that a landowner will permanently conserve their land for flood plains and other natural resources in order to protect the land from flooding and erosion. The Indiana Perpetual Flood Plain Easement protects the land by prohibiting any development or alteration to the land, except certain activities that are deemed to be compatible with the conservation purposes of the easement. This includes the maintenance of existing structures, the planting of vegetation, and the maintenance of flood control measures. The Indiana Perpetual Flood Plain Easement has two types: 1. Wetland Easement: A Wetland Easement is designed to protect and promote the conservation of wetlands, and all the associated benefits that these wetlands provide. 2. Stream bank Easement: A Stream bank Easement is designed to protect and promote the conservation of stream banks and their associated benefits to the environment.
Indiana Perpetual Flood Plain Easement
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FAQ
Flood zone X, also known as flood zone X500, is arguably the safest flood zone designation, as it's considered to be outside the 500-year floodplain and is also protected by a flood control system, such as a levee or dam, from the 100-year floodplain.
The base floodplain where base flood elevations are provided.
Homes in high-risk flood areas with mortgages from federally regulated or insured lenders are required to have flood insurance.
Zone A: Areas subject to inundation by the one percent annual chance flood event. Because detailed hydraulic analyses have not been performed, no base flood elevation or depths are shown. Mandatory flood insurance purchase requirements apply.
Indiana Flood Control Act (IC 14-28-1) The Act provides that it is illegal to construct a permanent abode or place of residence in a floodway. Any other structure, obstruction, deposit, or excavation in the floodway of any stream in the state must first be approved by the Commission.
Though flood insurance is not legally required in Indiana, if your house is located in a FEMA-designated special flood hazard risk area, which is any area labeled A or V on FEMA's flood maps, your mortgage lender may require you to purchase flood insurance.
Flood insurance in New Jersey's SFHAs AE flood zones or any zone appointed with the letters A or V have a 1% chance of flooding annually. If you live in one of these zones and have a federally backed mortgage, you are required to purchase flood insurance.