The Millington Board of Mayor and Aldermen has unanimously passed an ordinance on final reading that adopts the 2013 Flood Insurance Rate Map.
Board members took the action during their Jan. 7 regular monthly meeting on a motion offered by Alderman Mike Caruthers and seconded by Alderman Chris Ford.
The ordinance states that the Federal Emergency Management Agency requires Millington to amend Chapter 10 of Title 14 of the Municipal Code before Feb. 6. By doing so, the city’s flood plain management regulations will meet the standards of paragraph 16.3(d) of the National Flood Insurance Program regulations.
The ordinance deletes Section 14-1003(2) of the Code and replaces it with a new section that identifies the “areas of special flood hazard” on the city’s FEMA Flood Insurance Study report and Flood Insurance Rate Map. It also incorporates this into the Millington Zoning Map.
A Flood Insurance Rate Map signifies that, if a house is located in the 100-year flood plain of a nearby or adjacent creek, the owner must buy flood insurance through FEMA.
City Engineer Darek Baskin said that, when an individual borrows money to purchase a house, add onto an existing one or construct a new building or shed, he is notified whether the house is in the flood plain.
Noting that Millington had been operating under the 2007 flood maps, Baskin said most of the flood-plain areas were reduced for the 2013 maps. The area not previously in the flood plain that now is, he said, is along North Fork Creek, on the west side of the railroad tracks, directly behind the Millington Industrial Development Board Office.
“There are no homes there that I know of,” he said. “It’s farmland. So, I just want to make sure everybody knows that if you’re in that area, and you did not formerly have to buy flood insurance, you will now have to buy it.”
Baskin said some areas of the city are now designated to be in the 500-year flood plain that were not previously. Although residents in those areas are not required to buy FEMA insurance, he encouraged them to do so.
“The premiums are very cheap for flood insurance in the 500-year flood plain,” he noted. “It will be worth your while to make an investment into that, so you won’t have a scenario like what happened in May 2010, when many people’s homes were flooded, and they did not have flood insurance.”
In response to a question by Alderman Frankie Dakin, Baskin said there is not a “significant number of addresses” previously in the flood plain that are not now, because most of that area is farmland.
When Alderman Hank Hawkins asked whether the IDB property has been “reclassified,” Baskin said the flood-plain area is actually behind that, on the other side of the railroad tracks. He noted that it is not owned by the city or the IDB.
Dakin asked City Clerk Lorrie Beth Leach to post the new flood maps on the city’s Web site. And Baskin said residents who have questions about whether they are in the flood plain can come by his office at 4836 Navy Road.