The FEMA is updating Flood Insurance Rate Maps (FIRM) across the country in 2010 [now delayed to 2012-2013].  Indian Lake Property Owners will be impacted by some of the new changes.  Below is reference material you may read at your leisure.

There was one upcoming Public Info session last summer, in conjunction with our Annual Meeting.  There may be another required before roll-out in 2012.

The current floodplain maps were developed in 1984 and are quite crude.  Indian Lake Borough has 2 Zones; Zone A is pretty much the Lake itself, a flood hazard zone; Zone C is the land/property, all considered above the 500-year floodplain.  The current [non-digital] rate map can be seen by [Clicking Here].  Zone A also includes low-lying areas upstream in the major tributaries.  It is not very precise...

The new digital maps are only available in 'preliminary' form.  They are much higher resolution and show much of our lakefront and low-lying properties as being in Zone A.  The actual floodplain boundary will depend on the Phase III dam work, where we will be adding height to the breast of the dam and either a secondary (higher) spillway or a modification to our existing spillway.

A complication we could face is that each structure used to secure a loan must be separately evaluated.  Boathouses would almost always be in a flood hazard area.  All porches and decks must also be considered. Specifically, only one building may be insured under one NFIP policy. Each building securing a loan must be covered by a separate policy.

Indian Lake is Community Number 422513 in the National Flood Insurance Program.   We show up on 'panels' 270D, 280D and 290D of the overall Somerset County preliminary maps:

42111C0270D

42111C0280D

42111C0290D

These are very hi-res maps and can be 'zoomed' extensively.  The file size is ~ 2.2 MB so they may take a while to load.  Most of the Lake is on panel 290D.  Most of the rest is on panel 270D.  A very small section of Calendars Run is on 280D.