Is my house in a flood zone and do I need flood insurance?

Information can be found on the Federal Emergency management Act (FEMA) webpage.

The Town of Carmel is further identified a Flood Insurance Rate Map (FIRM) Panel 36079C0141E.   We are not allowed by Federal law to interpret the map for you but we can help you in understanding how to read the map. The Lending Institutions are required to make the determination if insurance is needed.  The Town of Carmel Building Department also has paper copies of the FEMA maps.  If you set up an appointment to come to Town Hall you can review the paper copies.