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Last year, when the owners of Haddad’s Ocean Café in Marshfield tore down their old building and rebuilt it to the tune of $3 million, they elevated the new restaurant to reduce their flood risk and insurance premiums. The advantage may have been short-lived.
Recently released federal flood maps have redrawn the lines, adding thousands of South Shore residential and commercial properties to high-risk flood zones. The change will force anyone in an area with a 1 percent annual chance of flooding — also called a 100-year flood zone or Special Flood Hazard Area — to purchase flood insurance if they have a mortgage. Others who already buy flood insurance could see themselves moved from a moderate-risk zone to a high-risk zone and pay more for insurance.