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Property owners reviewing flood maps in Toms River, N.J. (AP Photo/Wayne Parry)

As most residents of Somerset County, N.J., know, the Raritan River is prone to flooding after a heavy rain. But what some property owners might not know is where their property falls on a flood hazard map, better known as a Flood Insurance Rate Map (FIRM). The property’s location is what determines its eligibility for federal flood insurance as well as its risk of flooding.

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