The blue lines on the image of Duck Key below seperate various flood zone levels. Most homes on Duck Key fall into an" AE" floodzone , but there are several dozen "V" floodzone properties on Duck Key. . Premiums on flood Insurance for "V" floodzone properties can cost 10 to 20 times more than on "AE" rated properties. Most of Monroe County is AE flood zone.
Current maps place many Duck Key homes which face the ocean in the "V" floodzone.
Below the island images is a portion of an email received from Kenneth E. Morris, President of Floodzone Revisions, LLC explaining the service his business provides. The email suggests possible benefits from having an LOMR performed.
Downstairs enclosures in an "A" zone below a specified level are illegal. Mr. Morris's letter states "(There are NO such requirements for "A" floodzone properties"
The issue of downstairs enclosure needs further clarity, (liveable space versus storage space), but for property owners with homes in a "V" floodzone there may be some benefit to consulting with Kenneth E. Morris of Floodzone Revisions.
Clcking on the image above will take you to a larger image of Duck Key floodzone areas.
Letter from Floodzone Revisions
"Dear Duck Key Representative,
I was referred to you by Michael Stazzone, regarding his parent's "V" floodzone issues for their home on Duck Key.
My name is Kenneth E. Morris and I am President of Floodzone Revisions, LLC in Palm Beach County. We provide a full range of floodplain management services, especially FEMA Letter of Map Revisions (LOMRs) to Flood Insurance Rate Maps (FIRMs). In these LOMRs, we revise properties located within erroneous "V" floodzones by placing them into more accurate "A" floodzones. We have performed several LOMRs in Florida, with a 100% success rate to date.
As you are aware, Monroe County is still having issues with regards to illegal downstairs enclosure for "V" floodzone properties. According to Monroe County/FEMA data, there are several dozen "V" floodzone properties on Duck Key. Many of these lots might qualify for having LOMRs performed. By having a LOMR performed - changing the floodzone from V to A - the compliance issue with regards to illegal downstairs enclosures would permanently go away (there are NO such requirements for "A" floodzone properties).
As such, a LOMR also increases the value of a property and makes it more attractive to potential buyers. This is because corresponding flood insurance premiums decrease by about 10 to 20 times. So a property currently spending $10K per year for "V" zone flood insurance would instead spend only about $750 per year for "A" zone flood insurance.
Please keep us in mind should any of your residents come across any floodzone or downstairs enclosure related inquiries or issues.
I invite you to visit our website @ www.floodzone-revisions.com for more information about us and the services we provide.
I look forward to hearing from you again in the near future.
Regards,
Kenneth E. Morris, President
Floodzone Revisions, LLC
8916 Heartsong Terrace
Boynton Beach, FL 33473
Phone: 561-702-7936
E-Mail: floodzone.revisions@gmail.com
Web: www.floodzone-revisions.com"
