FEMA maintains flood plain delineations on a set of maps called Flood Insurance Rate Maps (FIRM). Mortgage companies are required to determine if a property they are financing is located within a 100 year flood plain (any zone designation beginning with the letter A). If so the mortgage company can require the buyer to obtain flood insurance.
A buyer can complete an "Elevation Certificate" and submit it to FEMA for review and determination if they wish to challenge a Mortgage Company's determination. FEMA's website. (http://www.fema.gov/national-flood-insurance-program/fema-flood-map-service-center-msc)
FEMA has released new Digital Flood Insurance Rate Maps (DFIRMs) effective September 21, 2001 and several revised maps effective May 15, 2002. These maps are available to view at our office. Anyone may purchase a Flood Insurance Rate Map from FEMA through the “Map Service Center”. (https://msc.fema.gov/portal)
FEMA has released a complete set of revised DFIRM Maps Effective September 25, 2009. These maps include revisions to Big & Little Cottonwood Creek Flood Zones.