Lake Placid Topics: Flood Insurance

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	Name:	Osms -
	Subject:	Flood Insurance
	Date:	1/13/2012 12:21:45 PM

The last I heard, the FEMA ruling was one foot above the highest recorded flood which was one foot above 490' Martin Datum, or 491' MD. That would mean that you should not be required to have flood insurance if your lowest finished floor of your house is above 492' MD. To confuse matters, FEMA uses mean sea level (msl) which is one foot higher than Martin Datum so for FEMA use it's 493' msl. Seems they didn't have GPS when the lake was built and somehow a foot was lost on the long trip to the Gulf to measure msl!