When Donna Edgar found out that new flood maps from the Federal Emergency Management Agency would place her house in a high-risk flood zone, she couldn’t believe it.
Her home, on the ranch she and her husband own in Texas hill country about 60 miles north of Austin, sits well back from the nearby Lampasas River.
“Her house is on a hill,” said Herb Darling, the director of environmental services for Burnet County, where Edgar lives. “There’s no way it’s going to flood.”
Yet the maps, released last year, placed the Edgars in what FEMA calls a “special flood hazard area.” Homeowners in such areas are often required, and always encouraged, to buy federal flood insurance, which the Edgars did.
FEMA eventually admitted the maps were wrong. But it took Edgar half a dozen engineers (many of whom volunteered their time), almost $1,000 of her own money and what she called an “ungodly number of hours” of research and phone calls over the course of a year to prove it.
Edgars is far from alone.
From Maine to Oregon, local floodplain managers say FEMA’s recent flood maps — which dictate the premiums that 5.5 million Americans pay for flood insurance — have often been built using outdated, inaccurate data. Homeowners, in turn, have to bear the cost of fixing FEMA’s mistakes.
“It’s been a mess,” Darling said. “It’s been a headache for a lot of people.”