It is important to note that a normal homeowners insurance policy does not provide coverage for damage to property resulting from rising water or flooding. A separate flood insurance policy is necessary to be protected. Even if your property is not within the 100-year floodplain, it is still a wise choice to purchase a flood insurance policy because, on average, 40% of all claims paid on flood insurance policies are for properties outside of the 100-year floodplain. Also, if you are considering purchasing a flood insurance policy, it should be done before you would expect to need it, as there is a 30-day waiting period after the purchase before the policy becomes effective. Residents now qualify to receive a 15% reduction in flood insurance premiums due to a Class 7 rating (see details below).
Community Rating System
Communities in the National Flood Insurance Program can also participate in the Community Rating System. The Community Rating System (CRS) allows communities to perform additional activities which provide for a greater level of flood protection. Communities participating in the National Flood Insurance Program are rated as a Class 1 – Class 10. The class ranking of a community equates to a reduction in flood insurance rates. A Class 1 community receives a 45% reduction on flood insurance on properties within the floodplain and a Class 10 receives a 0% reduction.
When the Community Rating System was established it had three goals: 1) to reduce flood losses, 2) to facilitate accurate insurance rating, and 3) to promote the awareness of flood insurance. Over the last 10 years, the City of Coppell has increasingly performed tasks to generate additional rating points. Significant areas in which we have increased our efforts include our mapping capabilities and the national accreditation of our Director of Engineering as a Certified Floodplain Manager. Approximately every 5 years, the Federal Emergency Management Agency provides a CRS field verification of the activities the City performs to insure that it continues to provide a high level of protection for properties from flooding or damage from flooding.
Coppell Given a Rating of Class 7
The most recent CRS field verification was September 2007. During that field verification, points were adjusted for several activities which the City performs on an ongoing basis. Based on those adjustments, the rating was adjusted from a Class 8 to a Class 7. The adjustment went into effect October 1, 2008. Residents now qualify to receive a 15% reduction in flood insurance premiums due to the new Class 7 rating. The U.S. Department of Homeland Security / FEMA Division, "...commends Coppell on your community actions and your determination to lead your community to be more disaster-resistant. This commitment enhances public safety and property protection and protects the natural functions of floodplains as well as reduces flood insurance premiums."
The City of Coppell Engineering Department continues to strive to provide the best flood information, floodplain awareness and flood protection to the citizens of Coppell. The Engineering Department keeps copies of floodplain literature and maps at the library to view or you can review the information at the Engineering Department. In addition, other free services such as Flood Insurance Rate Maps (FIRM), Guide to Flood Insurance Rate Maps and brochures concerning a variety of floodplain subjects are provided. City of Coppell floodplain regulations can be viewed by clicking on Floodplain Ordinance No. 2001-952. A revision to the Floodplain Ordinance was approved at the March 22, 2011 Council meeting and can be viewed by clicking here.
A determination can be made to verify if your property is located in or near a floodplain.
Coppell has four major tributaries which flow through or are adjacent to the city. These tributaries are Denton Creek, Grapevine Creek, Cottonwood Creek and the Elm Fork of the Trinity River. Also, there are numerous small tributaries which meander through neighborhoods and eventually join with the major tributaries. If property is within the 100-year floodplain, a Floodplain Development Permit is required before any improvements, including fill, can take place on the property.
Floodplain Development Permits can be obtained from the city of Coppell Engineering Department at 255 Parkway Blvd. If you observe illegal activity within or near a floodplain area, please contact the Engineering Department at 972-304-3679 to report the activity.
If you need assistance in determining whether a property within the city limits lies in a floodplain, contact the Engineering Department at 972-304-3679 between the hours of 8 a.m. and 5 p.m., Monday through Friday.
To view the Flood Insurance Rate Maps (FIRM maps) for Coppell* click here. The maps can also be viewed directly through the Public Documents link on the front page of this website. Choose Engineering then FEMA FIRM. For more information, visit the Federal Emergency Management Agency web site.
*The official floodplain maps do not show the names of all the streets within the city. Please note: These maps are large files and can take several minutes to download.
Other Sites with Helpful Information
Other sites that provide helpful information concerning the creeks, lakes and dams that affect the city of Coppell are listed below.
There are two river gauges near Coppell that provide real time data on stream flow. One is on the east side of Coppell in the Elm Fork of the Trinity River at Sandy Lake Road. Click here to view information on that gauge: http://waterdata.usgs.gov/nwis/uv?08055500.
The other river gauge is on the west side of Coppell in Denton Creek at State Highway 121. Click here to view information on that gauge: http://waterdata.usgs.gov/nwis/uv?08055000.
To view information on lakes and dams that drain toward Coppell, you can access the United States Army Corps of Engineers website. Once at the website you have several options along the left navigation bar. The link for "Daily Reports" leads to the "Daily Reservoir Report" that provides information on lake levels, inflow and release rates from Corps lakes. Click here to go to the USACE website: http://www.swf-wc.usace.army.mil/cgi-bin/rcshtml.pl.