There have been some recent inquires about flood insurance and whether your lot is in the "Special Flood Hazard Area (SFHA)" or within the "100 year flood plain." The following is some information about this for Pelican Point Subdivision:
You can go to https://msc.fema.govand type in your address. From there you can view a flood map of our area (Panel 120 of 250, Map# 22005C0120E, Effective August 16, 2007). This WILL NOT take you directly to your lot, but you can view the map of the subdivision and see if you might be in the SFHA. You should be able to call your insurance agent to see if you are in the Special Flood Hazard Area. Note: The SFHA is Zone A (shaded) on this map. Zone X is outside of the 100 year flood plain.
In 2012 Congress changed the rules for establishing premiums for flood insurance across the US. The rate have gone up considerably. For example, if you are in the SFHA, then your premiums could be $1,500 per year or higher.
In 2009 the HOA initiated a process to remove most lots in Pelican Point from the SFHA using the LOMA (Letter of Map Amendment) process. This process required the homeowner to have a survey to see if their property is above the Base Flood Elevation (BFE), which is 10.0 feet at the Lowest Adjacent Grade (LAG). Then the HOA submitted a LOMA request to FEMA and 99% of those submitted were approved.