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Winter/Spring 1996 WATER TALC Poge 13 wetlands, rivers. and other identifiable bodies of Owners or renters that are considering'whether or water. The 100-year floodplain for these waterbodies not to buy flood insurance should contact their is shown as shaded zone A on a community's Flood insurance agent for assistance. A knowledgeable • Insurance Rate Ntap or Flood Hazard Boundary Map. agent can help a person get a quote on price,explain The shaded Zone A is where a banker must require the different selections for deductibles and the items flood insurance if a federally insured car financed that are covered and not covered under a policy, and loan, grant, etc. is to be secured. answer any other questions. The FEMA has not, or has it the capability, to The following article on page 14, from the map all areas in Minnesota that are subject to a Arizona Department of Water Resources' Flood general condition of flooding due to surface water. Management News,entitled"Insurance to Value" flooding. This task gets more difficult as one moves provides valuable insight into the amount of flood away from identifiable waterbodies into areas insurance-that may be-appmpriate-to-purchase:-■ -- — traditionally viewed asstormwatermanagement problems(i.e.. inadequate storm sewers) and other localized drainage problems. Glossary of the Great. It is important to note that FEMA has not penalized individuals subject to a general condition Lakes- Available from of flooding when their property is not in a mapped MN Sea Grant floodplain. On the contrary, the above-noted - def"don only says that a"general condition of flooding in the area"must have occurred for the loss The University of Minnesota Sea Grant to qualify for consideration under a flood insurance program has produced a new publication,Glossary of policy(subject to an initial waiting period/loss in the Great Lakes. The 71-page glossary provides a progress provision, deductibles,etc.). quick and easy reference to environmental programs related to the Great Lakes: It defines organizations, The NTU pays percent of its claims nationally regulations,initiatives,terms and acronyms. • in unmap �sthac WOR su tec to a general condition of flo4din�. Therefore,local officials "People are confused about the many should consider encouraging individuals residing to programs and initiatives related to managing the these localized are ofinadequalu 5 Great Lakes,"said Cindy Hagley.glossary project sewers to purchase Uood insurance. a of the leader and environmental quality educator with ironies in so is Minnesota Sea Grant. "Through our effort to sort out tng may be repennve an all these programs,we found that nearly_everyone with an interest in the Great Lakes shared our requency flood,but the flood insurance premiums' confusion. We developed the glossary to help make are based on a non-floodplain designation,mte!! sense of it all." Communities that are not presently enrolled in The cost for the Glossary of the Great Lakes. the NFIP can do so at anytime simply by calling is$4 for single copies or$3.50 for bulk orders. Tom Lut en DNR Flood lain Pro er at Contact MN Sea Grans, (218)726-6191. 1.. 96-0522 and requesting an application packet ignate a local contact Esm to a resolution of intent to parties in ar in the NFIP, and Equd gpppr&►to pvM4wo in aid ba mW rem c pass a p ain management pvgwm dgw MrrAwft Dapc&*rwV of Monad wt a vel lain m i " OLMN k ar aft in to of kxr dud-►opaden of rose. cdor.na0onat�of araud a Awful=ma 9d 'pi�i3 to commons b the su%^delta%M mWd to Dirk ate:apt cr dMbWy.Oaaeahatlon-writ«rioud be so&to UV It seems like nothing is ever as simple as it DW AW La16"iftod$t AatL 1bO WIS$4031.crfw sounds. And the decision to buy flood insurance is Ovid C'pcdLrft00k'•04pi01hMWOf9w tMar�or. one of these situations. Any'licensed insurance.agent D.C.an at or broker in Minnesota that sells property insurance • can sell flood insurance for the NRP.