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How Will the Map Affect Me?

In the revised map, a larger portion of Fargo is included in the Special Flood Hazard Area (SFHA).  Many properties will change categories from a low risk (Zone X, 500-year) into the high risk SFHA (Zone A).  Property owners newly mapped into the SFHA may be required to purchase flood insurance. All federally regulated mortgages are required to carry flood insurance if the properties are located in the SFHA. 

Quick facts

  • According to the revised map, approximately 2,300 structures will be in the floodplain and an additional 5,000 structures will be within 25 feet of the floodplain. In the current map, 500 structures are in the floodplain.
  • Homes in the floodplain, with federally backed mortgages, will be required to purchase flood insurance.
  • Homes within 25 feet of the floodplain may need to purchase flood insurance depending on their mortgage agreement.

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