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No, City Staff cannot tell residents if they need flood insurance at their property. You should contact an insurance broker to confirm insurance requirements.
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To request a change of the floodplain map, you must apply to FEMA for a Letter of Map Change (LOMC). You can apply here.
The Zoning Board of Appeals (ZBA) considers applications for a floodplain variance. They are authorized to review the following cases:
You are able to berm your property as long as it remains below the 100-year flood level and the volume of materials have been compensated elsewhere in the FSD. You should be mindful of the impact elsewhere along the shoreline, and berming your property alone doesn’t guarantee flooding won’t occur. Please contact City Staff to discuss your plans further.