CITY OF BELLBROOK, OHIO

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Planning & Zoning
Flood Plain
The City of Bellbrook has beautiful streams and waterways in and around the area that bring tremendous value to our community. However, those streams and waterways can present challenges to property owners. Property owners in the floodplain may have to pay for flood insurance. The city assists residents by providing information on flood insurance rate maps, flood zones and permitting requirements for projects located within a 100 year floodplain.

Flood Insurance Rate Maps

The Federal Emergency Management Agency (FEMA) has undertaken a re-study of the City of Bellbrook’s floodways and floodplains using new topographic data and as a result has developed new detailed digital flood hazard maps, which have been adopted to replace the existing Flood Insurance Rate Map (FIRM) approved in 1977. In addition, the map has changed from a local community format to a county wide format.

Copies of the Flood Insurance Rate Maps (FIRM) are available for review at the Bellbrook Municipal Building, 15 East Franklin Street, 2nd Floor, Bellbrook. You may review the FIRMs at the city Administrative Offices during regular office hours Monday through Friday from 8:30 AM to 4:30 PM. You may also visit the Flood Plain Maps page.

Living In a Flood Plain

Every structure within a 100 year floodplain has the risk of being flooded at some time. However, some structures have a higher risk than others because of their location. The floodplain consists of three levels of flooding risk: low, moderate and high.

  • Low risk means that the chance of the structure being flooded is small but the risk is not removed;
  • Moderate and high risk means that there is a more likely chance of structures being flooded. If you own a home within the 100 year floodplain and currently have a mortgage on the structure, you are required to have flood insurance by federal law.

Be Prepared in the Event of a Flood
  • Purchase Flood Insurance - If you live within a 100 year floodplain, there is a 26% chance that your home will flood during the life of a 30-year mortgage; for each year there is at least a 1% chance of flooding. The City of Bellbrook is a member in good standing in the National Flood Insurance Program; therefore flood insurance for structures within the city can be purchased through an insurance agent. To find an agent near you call (800) 427-2419. Please note that it may take several weeks for a newly purchased policy to go into effect.
  • Correct Local Drainage Issues
  • Retrofit Your House - Go to the FEMA website for Information and Guidance on Building Safer or contact your insurance agent.
  • Keep Important Papers Out of Flood-prone Areas
  • Take Photos or Videos of Important Possessions

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