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1. How do I get flood insurance?

To buy a flood insurance policy, call your insurance agent or contact one of the "Write Your Own" companies, which are private insurance companies that write flood insurance under a special arrangement with the federal government. If your agent does not write flood insurance, or you don't have an agent, call the National Flood Insurance Program's (NFIP) toll-free number at 1-888-FLOOD29.

2. When is flood insurance required?

To get federally-backed financing to buy, build, or improve structures in a 100-year floodplain, you will be required to purchase flood insurance. Lending institutions that are federally regulated or federally insured must determine if the structure is located in a floodplain, and must provide written notice requiring flood insurance.

3. Do you have to be located in a floodplain to obtain flood insurance?

No. Flood insurance is available to any property owner located in a community participating in the National Flood Insurance Program. Many areas in Lisle outside of the mapped 100-year floodplain are potentially susceptible to flooding to varying degrees.

4. Why do I need flood insurance if I have lived in Lisle for quite some time and have never been flooded?

The flood hazards shown on floodplain maps are based on the best information and analysis tools available at the time the maps were prepared. Because of the infrequent occurrence of flood events, floodplain maps are not based only on the past flooding occurrences. The fact that a flood hasn't occurred within memory doesn't mean one won't happen in the future.

5. How can my property be removed from the floodplain maps?

To be removed from the floodplain shown on the Flood Insurance Rate Map, a structure must be on land that is not subject to flooding by the 100-year flood (see Floodplain Maps for more information). If your lot or building site is on natural ground that is higher than the base flood elevation shown on the FIRM, you may request a Letter of Map Amendment (LOMA).

To support your request, you will have to get a surveyor to determine the elevation of the ground next to your building and complete an Elevation Certificate. If the ground is higher than the base flood elevation, then FEMA will issue a LOMA. With a LOMA, your lender may choose to not require flood insurance.

6. What does the Village do to make flood insurance more affordable?

The Village participates in the Community Rating System (CRS), which is a voluntary FEMA program that reduces National Flood Insurance Program (NFIP) premiums if the Village implements significant flood hazard management activities. Lisle is currently rated as Class 5. This ranking reflects the considerable effort and progress made by the village towards reducing flood losses, facilitating accurate insurance ratings, and promoting the awareness of flood insurance. The Class 5 rating results in residents and businesses in the regulatory floodplain obtaining a 25% discount in their flood insurance premiums, other policies may receive a 10% discount.