LYNN – More than 800 property owners who thought they were safe from coastal waters will have to buy flood insurance in 2014, according to new the coastal Federal Emergency Management Agency (FEMA) maps.”On the 2012 maps about 346 structures in Lynn are in the flood zone,” said Inspectional Services Director Michael Donovan. “With the new maps, approximately 1,211, jumping almost 800 structures, will be in the flood zone.”Some will be residential and some business.FEMA drew new inland and coastal maps in 2012 but have since redrawn the coastal maps to include a broader base and increased elevation. That means homes that weren’t in what FEMA calls high risk zones for flooding will be now.”These maps are radically different,” said Donovan. “And the city of Lynn has nothing to do with this. This is the federal government.”Donovan noted that areas like Ward 1 won’t be affected, but homes within a half mile of the Saugus River or the waterfront will be. That means River Street, the back end of Summer Street and parts of Western Avenue around General Electric are all in the flood zone now, he said.The changes go into effect in 2014, but residents will have a chance to voice concerns and learn the details, specifically if their home falls within the new flood plain, during a FEMA meeting scheduled for Monday, Sept. 30 in City Hall’s Veterans Memorial Auditorium, from 3 p.m. to 8 p.m.Both Ward 3 Councilor Darren Cyr and Ward 6 Councilor Peter Capano have constituents who will be affected by the changes, and both plan on attending the meeting.”I just don’t know why they’re doing it,” Capano said. “I don’t know if they just need to broaden their base ? the place has been the same for years and years. I don’t know what’s changed.”David Zeller, owner/operator of David E. Zeller Insurance Agency, writes flood insurance and said he has a pretty good idea why rates are set to skyrocket.”I think the answer is obvious,” he said. “What’s causing it is the billions of dollars in damage as a result of the most recent set of storms. The premiums are not enough to cover the damages.”Consider the insurance payouts for storms such as Super Storm Sandy, the flooding in Vermont, tornadoes in El Reno and Moore, Okla., and even the recent flooding in Boulder, Colo., Zeller said.”Relatively speaking I think flood insurance was a good value, premiums were low and the coverage good but now companies can’t sustain the losses,” he said.Zeller called FEMA’s plan to broaden the flood zone and go up on elevations unacceptable.He would prefer to see the industry introduce flood plans with deductibles, similar to car insurance. Flood insurance only pays for damages to a structure, he said. It doesn’t pay for the items in your home lost in a flood, like furniture, clothes or boxes of memories.”The coverage is less, the premium is going up and there doesn’t seem to be any kind of compromise to provide what in my mind should be catastrophic coverage.”He argues that homeowners should be given the opportunity to take a bit of a risk by purchasing policies with deductibles.”Nobody buys (flood insurance) voluntarily,” he said. “We feel bad if you need it but we know how to write it.”Zeller knows exactly what it’s like to pay for flood insurance because his business sits on the waterfront at 370 The Lynnway.”I pay $9,500 a year just for flood insurance,” he said. “Three thousand square feet out of 11,000 square feet is a basement with nothing in it, but that’s what I pay.”Lynn is not the only community to be affected by the changes. Nahant and Saugus officials are watching the changes closely, and Swampscott, Marblehead and Revere will also be affected.Saugus Town Meeting member Peter Manoogian said he figures 80 percent of his precinct will be affected by the changes.”There are not only additional properties affected but there are also changes in who is grandfathered ? there will be multiple impacts,” he said.Manoogian,who has created a Facebook page to keep residents in