Saving Constituents Money on Flood Insurance Under FEMA s Community Rating System (CRS)

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Saving Constituents Money on Flood Insurance Under FEMA s Community Rating System (CRS)"

Transcription

1 Saving Constituents Money on Flood Insurance Under FEMA s Community Rating System (CRS)

2 Today s Discussion 1. FEMA s Flood Insurance Program: A Brief Overview 2. Flood Insurance Rates: Are they rising? Will they? Why? 3. The Community Rating System: What is it? How does it save people money? What do local governments have to do?

3 But first.why do we care? Savannah 2014 Valdosta 2013

4 Sandy Springs 2013 Sandy Springs 2011

5 FEMA s Flood Insurance Program: A Brief Overview

6 The NFIP required. Identification of flood risk Development of building standards in high risk areas Make flood insurance available within participating communities. Flood maps Flood ordinance: minimum standards Federally subsidized flood insurance

7 NFIP in Georgia 543 Communities Enrolled 64,000 Policies in Force $47 Million in Annual Premiums 97 not in the program but have hazards

8 The NFIP required. Identification of flood risk Development of building standards in high risk areas Make flood insurance available within participating communities. Flood maps Flood ordinance: minimum standards Federally subsidized flood insurance

9 Special Flood Hazard Areas Base Flood Elevation (Depths) Flood insurance risk zones What is a FEMA flood map?

10 Regulatory Trigger: Flood Insurance Required What is a FEMA flood map?

11 What is a FEMA flood map?

12 The 100 Year Floodplain Statistical probability 1 in 4 chance you will be flooded during a 30 year mortgage Over a 30 year mortgage, you are 27 times more likely to experience flood than fire. Event % Chance 25 year flood 4 in 100 Car accident 3 in 100 Cancer 3 in year flood 1 in 100 Victim of auto theft 1 in 100 Residential fire 4 in 10,000 Killed in car accident 3 in 10,000

13 The NFIP required. Identification of flood risk Development of building standards in high risk areas Flood insurance available within participating communities. Flood maps Flood ordinance: minimum standards Federally subsidized flood insurance

14 Floodplain Ordinance

15 Wait. There s More FEMA Map Modernization Project Development of building standards in high risk areas Flood insurance available within participating communities. New Flood maps Update floodplain ordinance Some new people in the floodplain; some people out.

16

17 GA Risk M.A.P. Program Upper & Middle Chattahoochee Watersheds. Cobb, Coweta, DeKalb, Douglas, Forsyth, Fulton, & Gwinnett Counties Georgia Coastal Project Bryan, Camden, Charlton, Chatham, Effingham, Glynn, Liberty, Long, & McIntosh Counties Newton County Discovery Projects Middle Chattahoochee - Lake Harding, Upper Ocmulgee

18 Flood Insurance Rates: Are they rising? Why?

19

20 So Congress passed a law in Biggert Waters: 25% Rate Increases Effective Immediately Subsidized non primary residences in SFHA; severe repetitive loss/properties with cumulative flood claim damage totaling more than the value of the property, etc. Full Rates Immediately First time policy purchase; renewal after a policy lapse; policy purchase after a property sale. 20% Increase in Rates 2014 All remaining subsidized or grandfathered properties phased out with new maps.

21 People Were Upset

22 So Congress passed another law in BOTTOM LINE: Not as bad, but rates are rising for many. The law will be revisited in Rates will continue to rise. The population is growing, and more people are living in floodplains. Communities are looking for ways to ease the burden on policyholders.

23 The Community Rating System (CRS)

24 Community Rating System (CRS) NFIP voluntary program offers discounts on flood insurance to reward good floodplain management within a community Community = municipality, county Established in 1990 Created to encourage participation in the NFIP in order to spread risk and allow program to be more effective

25 Goals of the CRS Reduce flood damage to insurable property Strengthen and support the insurance aspects of the NFIP Encourage a comprehensive approach to floodplain management

26 CRS Rating Table Class Points Premium Reduction % % % % % % % % % %

27 As of May 2012, 527 in NFIP. Of these communities, 36 (or 7%) participate in CRS. Of the top 50 Georgia communities, in terms of total Flood Insurance policies held by residents, 21 participate in the CRS. The remaining 29 communities present an outreach opportunity for encouraging participation in the CRS.

28 Joining CRS: Getting Started

29

30

31 Steps to Join Any community in full compliance with the rules and regulations of the NFIP may, at any time, request a Community Rating System (CRS) classification. To request a CRS classification, follow these steps: 1. Provide a letter of interest, signed by the community's chief elected official, to the Federal Emergency Management Agency (FEMA) Regional Office. A sample letter of interest is in the CRS Quick Check. 2. Provide documentation showing that your community is implementing CRS activities that warrant at least 500 credit points. The CRS Quick Check tool assists with this documentation. 3. Send the items listed above to your ISO/CRS Specialist. 4. With the approval of the FEMA Regional Office the ISO/CRS Specialist will schedule a meeting with your community's representatives, called a verification visit, to work through the application process. 5. Communities interested in participating in the CRS also must appoint a community CRS Coordinator.

32 The CRS Coordinator The CRS Coordinator is designated by the community's chief elected official (CEO) to serve as the point of contact with the community, FEMA, and the Insurance Services Office (ISO) for CRS matters. Duties include: Attaining familiarity with the CRS operation, prerequisites, and credited activities; Assembling and coordinating materials for the community's CRS application, cycle verification visits, and annual recertification; Completing and signing CRS Activity Worksheets, as appropriate, for credit; and Coordinating verification visits with the ISO/CRS Specialist.

33 Joining CRS: Terminology New Application Cycle Verification Recertification Modification

34 CRS Activity Examples Public Information Elevation certificates, outreach, hazard disclosure Mapping and Regulations Open space preservation, stormwater management Flood Damage Reduction Acquisition/relocation, floodplain management planning Warning and Response Flood warning and response, dams, levees

35

36 300 Series: Public Information

37

38

39 400 Series: Mapping & Regulations

40 CRS and Open Space Credit for measures that either require or incentivize preventing development in flood hazard areas. A community may receive up to 1,970 credits for open space. The average Georgia community earns 130 credits. Fayette County stands out: 624 Credits

41 CRS and Open Space 1. Be located in the floodplain. 2. Be open space. Vacant land alone does not qualify. The land must contain no buildings, no impervious surfaces, and not be filled or used to store materials. 3. Be preserved as open space.

42 CRS and Open Space HOW MUCH CREDIT IS AVAILABLE FOR OPEN SPACE PRESERVATION? Up to 1,450 credits. Deed The open space land must contain a restriction in the deed that prohibits new buildings on the Restrictions land, the deed restriction must transfer to future owners (run with the land), and can only be Up to 50 amended by a court for just cause. credits. Documentation Required: A copy of the actual deed restriction for each property along with the impact map. Natural Functions Open Space Up to 350 credits. The open space land must either be in an undeveloped state not developed, graded, or farmed or that have been returned to a state approximating the pre development condition. Documentation Required: 1. Each parcel must have documentation that supports the natural floodplain functions prepared by a qualified entity, such as a habitat conservation plan, natural areas inventory, green infrastructure plan, or a memo or letter signed by professional in the natural sciences attesting to the natural functions of the parcel. The CRS Coordinator s Manual also provides a Natural Floodplain Functions Form that may be used. 2. Impact adjustment map. 3. A copy of any plan and the adoption thereof if the parcel is receiving additional credit. 4. Copies or photographs of any educational material used.

43 CRS and Open Space Special Floodrelated Hazards Open Space Up to 50 credits. Natural Shoreline Protection Up to 120 credits. Credits are available for Special Flood related Hazards Open Space (SFHOS), which is open space directly related to coastal erosion, tsunamis, inland flood hazards from uncertain flow paths (alluvial fans, channel migration, etc.), closed basin lakes, ice jams, land subsidence, and mudflows. These credits apply to particular circumstances are not generally applicable. Credit is available for allowing natural stream channels and shorelines to follow the courses dictated by natural process and for encouraging natural shorelines that provide water quality benefits for runoff. The program must prohibit filling, dredging, and armoring existing channels and shorelines, including beach nourishment projects. The program may allow alterations that improve natural floodplain functioning such as removing a levee, habitat restoration, and plantings. Two types of programs are credited: Programs that protect channels. This includes programs that govern construction activities and written policies followed on public lands such as city parks. Credit is only available to channels or shorelines approximately in their natural state without substantial human intervention. Programs that restore impaired channels. This covers programs that actively restore floodplain functions; regulations that require restoration activities by developers are credited under 422.e. Required Documentation: 1. A map or list of parcels preserved and which credits for which they qualify. 2. Documentation about how it is preserved, i.e. documentation from the owner or the pertinent regulatory language. 3. For parcels preserved outside the SFHA, documentation that the floodplain regulation are in effect in the area. 4. An impact adjustment map.

44 CRS and Open Space OTHER FLOODPLAIN PROTECTIONS: Credits for Incentivizing Floodplain Protection. Open Space Communities can receive credit for regulations that encourage developers to set aside floodprone areas. Credit is adjusted based on the ratio of the area affected by the OSI regulation to Incentives Up to 250 credits. the floodplain area. Open space incentives include: density transfers, transfers of development rights, bonuses for avoiding the floodplain, planned unit developments, cluster development, greenway and setback rules, and open space ratio credits. Low density Zoning Up to 600 credits. Documentation Required: 1. Relevant ordinance language. 2. OSP Impact Adjustment Map showing areas credited for OSI. 3. Documentation regulating flood prone non SFHA areas. 4. Site plans and final plats documenting how ordinances have been applied. Land that does not qualify for open space credits may create credits with low density zoning. The qualifying area must be zoned with lot sizes of at least five acres. Agricultural, conservation, or large residential lots are all permitted uses. The regulation must be a zoning ordinance; other ordinances such a minimum lot size for septic systems are not credited. Documentation Required: 1. Zoning language explaining the density requirements. 2. Impact adjustment map. 3. If extra credit is claimed for low density zoning in flood prone non SFHA areas, documentation that the regulations are in effect in that area.

45 So how did Fayette County do it?

46 Fayette County Watershed Protection Ordinance Adopted in 1987 Required by GAEPD s to develop water supply reservoirs within Fayette County. Adopted prior to Environmental Planning Criteria ratified by GAEPD in Protects both streams and floodplains Credit: Vanessa Birrell

47 Watershed Protection Ordinance Buffer Requirements Any property within 1,000 ft. of reservoir 150 ft. buffer from normal pool or BFE (whichever is greater)flint River, Whitewater Creek (and streams within 1,000 ft.) 400 ft. buffer from wrested vegetation or 100 ft. from BFE (whichever is greater) All other perennial streams and state waters within Flint River and Whitewater Creek watersheds 100 ft. buffer from wrested vegetation or 50 ft. from BFE (whichever is greater) Credit: Vanessa Birrell

48 500 Series: Flood Damage Reduction Activities

49 CRS and Acquisition/Relocation Credit available for removing insurable buildings from the floodplain Emphasis on the value of natural floodplain functions Up to 2,250 points available (4+ classes/20% premium reduction) Opened lands must qualify for open space preservation; get CRS credit for both

50 600 Series: Flood Warning & Response

51

52

53 67,918 policies in Georgia Georgians pay $47.4 million in premiums CRS savings = $6.6 million

54

MANAGING FLOODPLAINS CRS AND THE NFIP

MANAGING FLOODPLAINS CRS AND THE NFIP MANAGING FLOODPLAINS CRS AND THE NFIP Landon K. Smith, CBO, CFM BUILDING OFFICIAL / FLOODPLAIN ADMINISTRATOR EMERGENCY MANAGEMENT DIRECTOR CITY OF ORANGE BEACH, ALABAMA www.aafmfloods.org AAFM Users Group

More information

Town of Hingham. Changes to Flood Insurance Rate Maps and Flood Insurance Costs Frequently Asked Questions

Town of Hingham. Changes to Flood Insurance Rate Maps and Flood Insurance Costs Frequently Asked Questions Town of Hingham 1. What is a floodplain? Changes to Flood Insurance Rate Maps and Flood Insurance Costs Frequently Asked Questions A floodplain is an area of land where water collects, pools and flows

More information

National Flood Insurance Program Community Rating System Application Letter of Interest and Quick Check Instructions

National Flood Insurance Program Community Rating System Application Letter of Interest and Quick Check Instructions OMB No. 1660-0022 Expires December 31, 2016 Public reporting burden for this form is estimated to average 45 hours per response for the application process. The burden estimate includes the time for reviewing

More information

The National Flood Insurance Program and the Community Rating System

The National Flood Insurance Program and the Community Rating System The National Program and the Community Rating System Shannon Hulst, Wetlands Watch March 26, 2014 What We are Doing with the CRS Partnership with VIMS & VCPC (W&M Law School) VCPC working with DCR to ensure

More information

FLOOD SOLUTIONS WORKSHEET. Alternative Flood Damage Reduction Techniques

FLOOD SOLUTIONS WORKSHEET. Alternative Flood Damage Reduction Techniques Name: Municipality: FLOOD SOLUTIONS WORKSHEET As you listen to and participate in discussions of alternative techniques for reducing flood damages, record your ideas and thoughts on this worksheet. Check

More information

COMMUNITY CERTIFICATIONS

COMMUNITY CERTIFICATIONS National Flood Insurance Program Community Rating System COMMUNITY CERTIFICATIONS Public reporting burden for this form is estimated to average 4 hours for annual recertification, per response. The burden

More information

Flood Insurance Changes Come to Virginia Wetlands Watch, October 2013

Flood Insurance Changes Come to Virginia Wetlands Watch, October 2013 Flood Insurance Changes Come to Virginia Wetlands Watch, October 2013 Major changes to the National Flood Insurance Program (NFIP), including rate increases that will affect many Middle Peninsula residents,

More information

Introduction to the Community Rating System

Introduction to the Community Rating System Introduction to the Community Rating System Dave Arkens ISO/CRS Technical Coordinator (702) 354-4674 dmarkens@iso.com Deidra Mares ISO/CRS Specialist (Oklahoma) (830) 730-7478 dmares@iso.com Visual Intro-1

More information

Chapter 10. The National Flood Insurance Program

Chapter 10. The National Flood Insurance Program Chapter 10 The National Flood Insurance Program Chapter Overview The National Flood Insurance Program has been mentioned in numerous instances in preceding chapters. Its time has arrived in this course!

More information

FLOOD PROTECTION PAY-OFFS

FLOOD PROTECTION PAY-OFFS March 2015 FLOOD PROTECTION PAY-OFFS A LOCAL GOVERNMENT GUIDE TO THE COMMUNITY RATING SYSTEM Lead Author: Shannon Hulst Jarbeau, CFM Contributing Author: Mary-Carson Stiff, JD, CFM Review Draft W E T L

More information

Town of Chatham Department of Community Development

Town of Chatham Department of Community Development Town of Chatham Department of Community Development TOWN ANNEX 261 GEORGE RYDER ROAD 02633 CHATHAM, MA TELEPHONE (508) 945-5168 FAX (508) 945-5163 FEMA FLOOD MAP UPDATE & PROPOSED ZONING BYLAW AMENDMENT

More information

Changes Coming to the National Flood Insurance Program What to Expect

Changes Coming to the National Flood Insurance Program What to Expect Changes Coming to the National Flood Insurance Program What to Expect Impact of changes to the NFIP under the Biggert-Waters Act Norm Ashford 303-235-4912 Norman.ashford@dhs.gov Erin May 303-299-7873 emay@ostglobal.com

More information

CRS State Profile: New Mexico

CRS State Profile: New Mexico CRS State Profile: New Mexico This is a profile for communities in your state that are participating in the Community Rating System (CRS). This profile is intended to provide information to the State NFIP

More information

Develop hazard mitigation policies and programs designed to reduce the impact of natural and human-caused hazards on people and property.

Develop hazard mitigation policies and programs designed to reduce the impact of natural and human-caused hazards on people and property. 6.0 Mitigation Strategy Introduction A mitigation strategy provides participating counties and municipalities in the H-GAC planning area with the basis for action. Based on the findings of the Risk Assessment

More information

Biggert Waters Flood Insurance Reform Act of 2012

Biggert Waters Flood Insurance Reform Act of 2012 Biggert Waters Flood Insurance Reform Act of 2012 Impact of National Flood Insurance Program (NFIP) Changes Note: This Fact Sheet deals specifically with Sections 205 and 207 of the Act. I n 2012, the

More information

Changes Coming to the National Flood Insurance Program What to Expect. Impact of changes to the NFIP under Section 205 of the Biggert-Waters Act

Changes Coming to the National Flood Insurance Program What to Expect. Impact of changes to the NFIP under Section 205 of the Biggert-Waters Act Changes Coming to the National Flood Insurance Program What to Expect Impact of changes to the NFIP under Section 205 of the Biggert-Waters Act Changes are Coming to the NFIP Congress passed the Flood

More information

What We Do: Wetlands, Wildlife Habitat & Flood Hazards in the Root River Watershed

What We Do: Wetlands, Wildlife Habitat & Flood Hazards in the Root River Watershed What We Do: Wetlands, Wildlife Habitat & Flood Hazards in the Root River Watershed presented by Ceil Strauss, State Floodplain Manager DNR Ecological & Water Resources 1 EWR Roles In Floodplains Regulatory:

More information

Changes Coming to the National Flood Insurance Program What to Expect. Impact of changes to the NFIP under Section 205 of the Biggert-Waters Act

Changes Coming to the National Flood Insurance Program What to Expect. Impact of changes to the NFIP under Section 205 of the Biggert-Waters Act Changes Coming to the National Flood Insurance Program What to Expect Impact of changes to the NFIP under Section 205 of the Biggert-Waters Act Why the Changes to the NFIP? 1968: Congress created the NFIP

More information

SARASOTA COUNTY Dedicated to Quality Service

SARASOTA COUNTY Dedicated to Quality Service SARASOTA COUNTY Dedicated to Quality Service Florida Flood Map Updates and the National Flood Insurance Program Joy Duperault, CFM State of Florida NFIP Coordinator Desiree (Des) Companion, CFM CRS Coordinator

More information

The Biggert-Waters Flood Insurance Reform Act 2012. Signed by the President July 6, 2012

The Biggert-Waters Flood Insurance Reform Act 2012. Signed by the President July 6, 2012 The Biggert-Waters Flood Insurance Reform Act 2012 Signed by the President July 6, 2012 Biggert-Waters 2012 (BW-12) What Does it Do? Reauthorizes the National Flood Insurance Program (NFIP) for 5 years

More information

Building Olive s Flood Resiliency

Building Olive s Flood Resiliency Building Olive s Flood Resiliency Informed Flood Mitigation Planning The Local Flood Analysis Flood Advisory Committee Meeting #1 Town of Olive s Community Room 4/14/15 What is an LFA? 1. Uses science

More information

Homeowner Flood Insurance Affordability Act of 2014 Section by Section Summary

Homeowner Flood Insurance Affordability Act of 2014 Section by Section Summary Homeowner Flood Insurance Affordability Act of 2014 Section by Section Summary On March 21, 2014, President Obama signed into law the Homeowner Flood Insurance Affordability Act of 2014 (HIFAA) (P.L. 113-89).

More information

UNIT 9: FLOOD INSURANCE AND FLOOD MANAGEMENT

UNIT 9: FLOOD INSURANCE AND FLOOD MANAGEMENT UNIT 9: FLOOD INSURANCE AND FLOOD MANAGEMENT In this unit While you are probably not an insurance agent, you should be aware of the close relationship between floodplain management and flood insurance.

More information

THE DISTRICT OF COLUMBIA COMMUNITY RATING SYSTEM PROGRAM REVIEW

THE DISTRICT OF COLUMBIA COMMUNITY RATING SYSTEM PROGRAM REVIEW ANALYSIS REPORT: THE DISTRICT OF COLUMBIA COMMUNITY RATING SYSTEM PROGRAM REVIEW WRITTEN BY: Shana Udvardy and French Wetmore SEPTEMBER 30, 2014 Dialogue. Insight. Solutions. i The District of Columbia

More information

National Flood Insurance Program (NFIP) Floodplain Management Requirements: A Study Guide and Desk Reference for Local Officials TABLE OF CONTENTS

National Flood Insurance Program (NFIP) Floodplain Management Requirements: A Study Guide and Desk Reference for Local Officials TABLE OF CONTENTS National Flood Insurance Program (NFIP) Floodplain Management Requirements: A Study Guide and Desk Reference for Local Officials TABLE OF CONTENTS Unit O: Orientation A. Introduction... O-3 Study guide

More information

COMMUNITY RATING SYSTEM THE FLORIDA DIVISION OF EMERGENCY MANAGEMENT

COMMUNITY RATING SYSTEM THE FLORIDA DIVISION OF EMERGENCY MANAGEMENT COMMUNITY RATING SYSTEM Danny Hinson, CFM, FPEM Florida CRS Initiative Tony Subbio, CEM, CFM, PMP Tetra Tech, Inc CRS GOALS Review CRS Goals Reduce and avoid flood damage to insurable property Strengthen

More information

Understanding the National Flood Insurance Program (NFIP)in Georgia Jeff Brady September 10, 2015 2:45 PM 4:15 PM

Understanding the National Flood Insurance Program (NFIP)in Georgia Jeff Brady September 10, 2015 2:45 PM 4:15 PM Education Session H Understanding the National Flood Insurance Program (NFIP)in Georgia Jeff Brady September 10, 2015 2:45 PM 4:15 PM GREC Course Code # 66076 / 66077 / 66078 You must attend two 1½-hour

More information

NYSDEC Optional Additional Language Model Local Law for Flood Damage Prevention Optional Additional Language

NYSDEC Optional Additional Language Model Local Law for Flood Damage Prevention Optional Additional Language NYSDEC General Comments. The contains language that complies with the floodplain management requirements of the National Flood Insurance Program (NFIP) contained in federal regulations 44 CFR 60.3 through

More information

National Flood Insurance Program Community Rating System

National Flood Insurance Program Community Rating System National Flood Insurance Program Community Rating System A Strategic Plan for the Community Rating System Fiscal Years 2008 2013 2008 EXECUTIVE SUMMARY Although the Community Rating System (CRS) has been

More information

Go Green, Save Money: Lowering Flood Insurance Rates in Virginia with Stormwater Management and Open Space

Go Green, Save Money: Lowering Flood Insurance Rates in Virginia with Stormwater Management and Open Space Go Green, Save Money: Lowering Flood Insurance Rates in Virginia with Stormwater Management and Open Space Adele Young J.D. Virginia Coastal Policy Clinic at William & Mary Law School Kristen Clark, J.D.

More information

UNIT 9: FLOOD INSURANCE AND FLOODPLAIN MANAGEMENT

UNIT 9: FLOOD INSURANCE AND FLOODPLAIN MANAGEMENT UNIT 9: FLOOD INSURANCE AND FLOODPLAIN MANAGEMENT In this unit While you are probably not an insurance agent, you should be aware of the close relationship between floodplain management and flood insurance.

More information

King County Flood Hazard Management Plan Update Cedar/ Sammamish Rivers. Public Meeting December 5, 2012

King County Flood Hazard Management Plan Update Cedar/ Sammamish Rivers. Public Meeting December 5, 2012 King County Flood Hazard Management Plan Update Cedar/ Sammamish Rivers Public Meeting December 5, 2012 Goals of the Presentation Cedar and Sammamish R. Plan Update Context - Brief summary info about the

More information

The Changing Landscape of the National Flood Insurance Program: A Federal Perspective. Niki L. Pace *

The Changing Landscape of the National Flood Insurance Program: A Federal Perspective. Niki L. Pace * The Changing Landscape of the National Flood Insurance Program: A Federal Perspective Niki L. Pace * In the last few years, the National Flood Insurance Program (NFIP) has seen changes at both the legislative

More information

Flood Risk Management

Flood Risk Management Flood Risk Management Value of Flood Risk Management Every year floods sweep through communities across the United States taking lives, destroying property, shutting down businesses, harming the environment

More information

Flood Risk Management

Flood Risk Management Flood Risk Management Value of Flood Risk Management Value to Individuals and Communities Every year floods sweep through communities across the United States taking lives, destroying property, shutting

More information

Updated Federal Emergency Management Agency Flood Insurance Rate Maps and Zoning Ordinance Update. July 16, 2015 Policy Committee

Updated Federal Emergency Management Agency Flood Insurance Rate Maps and Zoning Ordinance Update. July 16, 2015 Policy Committee Updated Federal Emergency Management Agency Flood Insurance Rate Maps and Zoning Ordinance Update July 16, 2015 Policy Committee FEMA Map Update Costal Analysis and mapping study by FEMA in 2009 Changes

More information

Proposed changes to the local floodplain ordinance National Flood Insurance Reform Act

Proposed changes to the local floodplain ordinance National Flood Insurance Reform Act Proposed changes to the local floodplain ordinance 2012 National Flood Insurance Reform Act Agenda Why here? Why now? What s changing? National Flood Insurance Reform Act 2012 Mitigation Options Questions

More information

And Flood Resilient Design in Austin, Texas

And Flood Resilient Design in Austin, Texas And Flood Resilient Design in Austin, Texas The good, the bad and the ugly; What does this video show us? Riverine Flooding versus Flash Flooding Flash Flood Alley Stretches along the I 35 corridor between

More information

6.01 FEMA. 6.02 National Flood Insurance Program (NFIP)

6.01 FEMA. 6.02 National Flood Insurance Program (NFIP) CHAPTER 6 FEMA AND FLOODPLAIN MANAGEMENT 6.01 FEMA The Federal Emergency Management Agency (FEMA) is an agency of the United States Department of Homeland Security. FEMA is tasked with responding to, planning

More information

Door County. Zoning. Does the ordinance include shoreland-wetland district requirements that exceed State minimum standards? Yes. See responses below.

Door County. Zoning. Does the ordinance include shoreland-wetland district requirements that exceed State minimum standards? Yes. See responses below. Door County Zoning Introduction Door County has a comprehensive Zoning Ordinance that contains wetland conservation provisions. Shoreland-Wetland zoning provisions are enforced in all unincorporated areas

More information

Monmouth County Preliminary Flood Insurance Study and Flood Insurance Rate Maps Release

Monmouth County Preliminary Flood Insurance Study and Flood Insurance Rate Maps Release Monmouth County Preliminary Flood Insurance Study and Flood Insurance Rate Maps Release Thomas Song, Program Specialist FEMA Region 2 January 31, 2014 Agenda Introduction Review: Preliminary Work Maps

More information

1. Why is Lee County getting new flood hazard maps? 3. What are the benefits of the new flood hazard maps?

1. Why is Lee County getting new flood hazard maps? 3. What are the benefits of the new flood hazard maps? 1. Why is Lee County getting new flood hazard maps? Flood hazard maps, also known as Flood Insurance Rate Maps (FIRMs), are important tools in the effort to protect lives and property. They indicate the

More information

Frequently Asked Questions (FAQs) 1. Why is the City of Tucson getting new flood hazard maps? 2. Who is responsible for modernizing the maps?

Frequently Asked Questions (FAQs) 1. Why is the City of Tucson getting new flood hazard maps? 2. Who is responsible for modernizing the maps? Frequently Asked Questions (FAQs) 1. Why is the City of Tucson getting new flood hazard maps? 2. Who is responsible for modernizing the maps? 3. What is a Flood Hazard Map? 4. What are the benefits of

More information

Flood insurance why have it? Where can I buy it?

Flood insurance why have it? Where can I buy it? Flood insurance why have it? Where can I buy it? NOAA/National Weather Service Des Moines, Iowa June 2010 Thank you for your interest in flood insurance. Below are frequently asked questions and answers

More information

Changes Coming to the National Flood Insurance Program What to Expect. Impact of changes to the NFIP under Section 205 of the Biggert-Waters Act

Changes Coming to the National Flood Insurance Program What to Expect. Impact of changes to the NFIP under Section 205 of the Biggert-Waters Act Changes Coming to the National Flood Insurance Program What to Expect Impact of changes to the NFIP under Section 205 of the Biggert-Waters Act Changes are Coming to the NFIP Congress passed the Flood

More information

More Changes Coming to the National Flood Insurance Program What to Expect

More Changes Coming to the National Flood Insurance Program What to Expect More Changes Coming to the National Flood Insurance Program What to Expect Impact of changes to the NFIP under Homeowner Flood Insurance Affordability Act of 2014 More Changes are Coming to the NFIP On

More information

UNIT 6: ADDITIONAL REGULATORY MEASURES

UNIT 6: ADDITIONAL REGULATORY MEASURES UNIT 6: ADDITIONAL REGULATORY MEASURES In this unit The NFIP encourages states and communities to implement flood-plain management programs that go beyond NFIP minimum requirements since local flood hazards

More information

Please see Section IX. for Additional Information:

Please see Section IX. for Additional Information: The Florida Senate BILL ANALYSIS AND FISCAL IMPACT STATEMENT (This document is based on the provisions contained in the legislation as of the latest date listed below.) BILL: CS/SB 1094 Prepared By: The

More information

APRIL 2013 BIGGERT-WATERS SPECIAL EDITION

APRIL 2013 BIGGERT-WATERS SPECIAL EDITION News from Region X Inside this Issue April 2013 Volume 3, Issue 5 SPECIAL EDITION Biggert-Waters Reform Biggert-Waters Reform The National Flood Insurance Program (NFIP), administered by the Department

More information

INTRODUCTION AND GENERAL RULES

INTRODUCTION AND GENERAL RULES a Welcome to Key Fundamentals of Flood Insurance Focused on flood insurance basics for insurance professionals (Part 1) 1 Section 1 INTRODUCTION AND GENERAL RULES 3 1 Here s our AGENDA Section 1 Introduction

More information

More Changes Coming to the National Flood Insurance Program What to Expect

More Changes Coming to the National Flood Insurance Program What to Expect More Changes Coming to the National Flood Insurance Program What to Expect Homeowner Flood Insurance Affordability Act 2014 April 2015 Changes Mark Lujan, CFM, ANFI Biggert Waters Reform Act Targets: Section

More information

Changes to the National Flood Insurance Program What to Expect

Changes to the National Flood Insurance Program What to Expect Changes to the National Flood Insurance Program What to Expect Impact of changes to the NFIP under Homeowner Flood Insurance Affordability Act of 2014 More Changes are Coming to the NFIP On March 21, 2014,

More information

The National Flood Insurance Program (NFIP)

The National Flood Insurance Program (NFIP) The National Flood Insurance Program (NFIP) Insurance Information Institute 110 William Street New York, NY 10038 (212) 346-5500 www.iii.org October 2005 Robert P. Hartwig, Ph.D., CPCU Senior Vice President

More information

Regulatory Alternatives to Address Stormwater Management and Flooding in the Marlboro Street Study Area

Regulatory Alternatives to Address Stormwater Management and Flooding in the Marlboro Street Study Area Regulatory Alternatives to Address Stormwater Management and Flooding in the Marlboro Street Study Area Alternative 1: Amend Existing Local Regulations This proposed alternative provides an incremental

More information

Why should communities invest in resiliency? What are the steps communities can take to become more resilient?

Why should communities invest in resiliency? What are the steps communities can take to become more resilient? Community Preparedness for Flood Resiliency Nina Peek, AICP New York Planning Federation Board of Directors Senior Technical Director AKRF, Inc. Focus of Today s Presentation Why should communities invest

More information

FEMA Takes Action to Implement National Flood Insurance Reform Act

FEMA Takes Action to Implement National Flood Insurance Reform Act FEMA Takes Action to Implement National Flood Insurance Reform Act The implementation of the National Flood Insurance Reform Act of 1994 requires a great deal of coordination and support within the Federal

More information

Flood Insurance Rate Map Changes

Flood Insurance Rate Map Changes Flood Insurance Rate Map Changes Informational Meeting For Property Owners Entering the Floodplain Durant Center February 23, 2011 Introductions City of Alexandria Transportation and Environmental Services

More information

Lower Raritan Watershed Management Area Stormwater & Flooding Subcommittee Strategy Worksheet LRSW-S3C1

Lower Raritan Watershed Management Area Stormwater & Flooding Subcommittee Strategy Worksheet LRSW-S3C1 Strategy Name: Reduce Existing Potential for Flood Damages LRSW-S3C1. Develop and implement a program to: Minimize flood damages through the use of structural measures. Minimize flood damages through the

More information

Protecting Floodplain. While Reducing Flood Losses

Protecting Floodplain. While Reducing Flood Losses Protecting Floodplain Natural and Beneficial i Functions While Reducing Flood Losses Jon Kusler Association of State Wetland Managers 518 872 1804; jon.kusler@aswm.org Report available at: http://aswm.org/pdf_lib/nbf.pdf

More information

Insurance Questions: Clothes washers and dryers, food freezers and the food in them are covered if there is contents coverage.

Insurance Questions: Clothes washers and dryers, food freezers and the food in them are covered if there is contents coverage. Introduction: Floods occur when runoff from rain or snowmelt exceeds the capacity of rivers, stream channels or lakes and overflows onto adjacent land. Floods can also be caused by storm surges and waves

More information

National Flood Insurance Program Community Rating System. CRS Record-Keeping Guidance

National Flood Insurance Program Community Rating System. CRS Record-Keeping Guidance National Flood Insurance Program Community Rating System CRS Record-Keeping Guidance 2007 Note on this edition: This document has been revised to reflect the following 2006 and 2007 changes in the CRS

More information

Please see Section IX. for Additional Information:

Please see Section IX. for Additional Information: The Florida Senate BILL ANALYSIS AND FISCAL IMPACT STATEMENT (This document is based on the provisions contained in the legislation as of the latest date listed below.) BILL: CS/SB 1094 Prepared By: The

More information

Overview. Homeowner Flood Insurance Affordability Act

Overview. Homeowner Flood Insurance Affordability Act Homeowner Flood Insurance Affordability Act Overview On March 21, 2014, President Obama signed the Homeowner Flood Insurance Affordability Act of 2014 into law. This law repeals and modifies certain provisions

More information

A. Flood Management in Nevada

A. Flood Management in Nevada Nevada Division of Water Planning A. Flood Management in Nevada Introduction Flooding has been a concern for Nevada communities since the first settlers moved to the territory in the mid-1800 s. Fourteen

More information

2014 Delaware Ordinance Workshops and assistance. Higher Standards identified by Delaware Senate Bill 64

2014 Delaware Ordinance Workshops and assistance. Higher Standards identified by Delaware Senate Bill 64 INCREASING FLOOD RESILIENCY THROUGHT IMPROVED FLOOD CODES Michael S. Powell, Hazard Mitigation Program Manager, DNREC New Coastal Study and Floodplain Maps 2014 Delaware Ordinance Workshops and assistance

More information

3. The submittal shall include a proposed scope of work to confirm the provided project description;

3. The submittal shall include a proposed scope of work to confirm the provided project description; QIN Shoreline Master Program Project Summary The Shoreline Master Program (SMP) development process for the Quinault Indian Nation (QIN) includes the completion of inventory and analysis report with corresponding

More information

Chapter 6: Mitigation Strategies

Chapter 6: Mitigation Strategies Chapter 6: Mitigation Strategies This section of the Plan describes the most challenging part of any such planning effort the development of a Mitigation Strategy. It is a process of: 1. Setting mitigation

More information

CHAPTER 3 page 69 LOCAL FLOODPLAIN REGULATIONS AND NFIP STANDARDS

CHAPTER 3 page 69 LOCAL FLOODPLAIN REGULATIONS AND NFIP STANDARDS CHAPTER 3 page 69 LOCAL FLOODPLAIN REGULATIONS AND NFIP STANDARDS LOCAL FLOODPLAIN REGULATIONS AND NFIP STANDARDS, page 69 THE PARTICIPATION OF A COMMUNITY IN THE NFIP IS MADE POSSIBLE BY ITS ADOPTION

More information

Changing Flood Maps: A Guide for Homeowners and Consumers

Changing Flood Maps: A Guide for Homeowners and Consumers Changing Flood Maps: A Guide for Homeowners and Consumers The flood maps in your community are being changed. What does this mean to you? Flood maps, also known as Flood Insurance Rate Maps or FIRMs, are

More information

Frequently Asked Questions (FAQs)

Frequently Asked Questions (FAQs) 1. Why is Cedar Rapids getting new flood hazard maps? Flood hazard maps, also known as Flood Insurance Rate Maps (FIRMs), are important tools in the effort to protect lives and properties in Cedar Rapids.

More information

Changes Coming to the National Flood Insurance Program What to Expect Impact of changes to the NFIP under Section 205 of the Biggert-Waters Act

Changes Coming to the National Flood Insurance Program What to Expect Impact of changes to the NFIP under Section 205 of the Biggert-Waters Act Changes Coming to the National Flood Insurance Program What to Expect Impact of changes to the NFIP under Section 205 of the Biggert-Waters Act Joe Cecil, Federal Insurance and Mitigation Administration

More information

FEMA Flood Insurance. What s Next?

FEMA Flood Insurance. What s Next? FEMA Flood Insurance What s Next? Why the Changes to the NFIP? 1968: Congress created the NFIP to make affordable flood insurance generally available (flood damage is not covered by a typical homeowners

More information

Flood Insurance: Government Backed vs. Private Market Alternatives

Flood Insurance: Government Backed vs. Private Market Alternatives Flood Insurance: Government Backed vs. Private Market Alternatives National Hurricane Conference Austin, Texas April 2, 2015 Jeanne M. Salvatore, Senior Vice President, Public Affairs and Chief Communications

More information

1.7.0 Floodplain Modification Criteria

1.7.0 Floodplain Modification Criteria 1.7.0 Floodplain Modification Criteria 1.7.1 Introduction These guidelines set out standards for evaluating and processing proposed modifications of the 100- year floodplain with the following objectives:

More information

FREQUENTLY ASKED QUESTIONS ON THE FLOOD RESISTANT PROVISIONS OF THE 2010 FLORIDA BUILDING CODE

FREQUENTLY ASKED QUESTIONS ON THE FLOOD RESISTANT PROVISIONS OF THE 2010 FLORIDA BUILDING CODE STATE FLOODPLAIN MANAGEMENT OFFICE FREQUENTLY ASKED QUESTIONS ON THE FLOOD RESISTANT PROVISIONS OF THE 2010 FLORIDA BUILDING CODE The 2010 Florida Building Code (FBC) will include flood resistant provisions

More information

The answers to some of the following questions are separated into two major categories:

The answers to some of the following questions are separated into two major categories: Following the recent flooding events for Front Range communities in Colorado, property owners, communities, and the National Flood Insurance Program are being presented with some new challenges in the

More information

GAFM 2013 TECHNICAL CONFERENCE CRS 2013 MANUAL CHANGES

GAFM 2013 TECHNICAL CONFERENCE CRS 2013 MANUAL CHANGES GAFM 2013 TECHNICAL CONFERENCE CRS 2013 MANUAL CHANGES What Is The CRS? The Community Rating System is a FEMA program administered by ISO Recognizing communities that go beyond minimum NFIP standards Voluntary

More information

Division of Water Frequently asked floodplain questions

Division of Water Frequently asked floodplain questions Division of Water Frequently asked floodplain questions Q: Where can I find copies of the floodplain mapping? A: Local floodplain administrators will have copies of the FEMA mapping. (Generally the local

More information

Advisory Base Flood Elevations:

Advisory Base Flood Elevations: Advisory Base Flood Elevations: What Your Community Needs to Know Information for Floodplain Managers and Local Officials Contents Advisory Base Flood Elevations (ABFE) Overview What is an ABFE? Advisory

More information

Relationship between Floodplain Management and Flood Insurance

Relationship between Floodplain Management and Flood Insurance Relationship between Floodplain Management and Flood Insurance The National Flood Insurance Program [is] a voluntary program based on a mutual agreement between the Federal government and the local community:

More information

Risk MAP Project Coordination Meeting: Burlington County, NJ. FEMA REGION II May 8, 2013 Westampton, New Jersey

Risk MAP Project Coordination Meeting: Burlington County, NJ. FEMA REGION II May 8, 2013 Westampton, New Jersey Risk MAP Project Coordination Meeting: Burlington County, NJ FEMA REGION II May 8, 2013 Westampton, New Jersey Agenda Introductions Purpose of this Meeting Risk MAP Program Overview Anticipated Project

More information

NAPA COUNTY WATERSHED SYMPOSIUM

NAPA COUNTY WATERSHED SYMPOSIUM Planning, Building, and Environmental Services NAPA VALLEY GROWTH NAPA COUNTY WATERSHED SYMPOSIUM Plunging Forward May 15, 2015 1 YOU CAN T CROSS THE SEA MERELY BY STANDING AND STARING AT THE WATER. Rabindranath

More information

Adopted 9/23/98 CHATTAHOOCHEE CORRIDOR PLAN. The goals of the Chattahoochee Corridor Plan (hereinafter also referred to as the Plan ) are:

Adopted 9/23/98 CHATTAHOOCHEE CORRIDOR PLAN. The goals of the Chattahoochee Corridor Plan (hereinafter also referred to as the Plan ) are: CHATTAHOOCHEE CORRIDOR PLAN Adopted 9/23/98 PART 1: GOALS. POLICY. COVERAGE. A. Goals The goals of the Chattahoochee Corridor Plan (hereinafter also referred to as the Plan ) are: 1. Preservation and protection

More information

California Alluvial Fan Task Force

California Alluvial Fan Task Force California Alluvial Fan Task Force County of San Diego Alluvial Fan Flooding and Risk Reduction Sara Agahi, PE, CFM January 4, 2008 Outline of Presentation Show location of San Diego County Alluvial Fan

More information

National Flood Insurance Program Increased Cost of Compliance Coverage. Guidance for State and Local Officials FEMA 301 / September 2003 FEMA

National Flood Insurance Program Increased Cost of Compliance Coverage. Guidance for State and Local Officials FEMA 301 / September 2003 FEMA National Flood Insurance Program Increased Cost of Compliance Coverage Guidance for State and Local Officials FEMA 301 / September 2003 FEMA Foreword The U.S. Congress established the National Flood Insurance

More information

Appendix J Online Questionnaire

Appendix J Online Questionnaire Appendix J Online Questionnaire In accordance with the Paperwork Reduction Act, this questionnaire was approved by the Office of Management and Budget (OMB). The OMB control number and expiration date

More information

Shooks Run Drainage Study Basic Terminology

Shooks Run Drainage Study Basic Terminology Shooks Run Drainage Study Basic Terminology PREPARED FOR: PREPARED BY: City of Colorado Springs CH2M DATE: April 9, 2015 Introduction This document is intended to provide an introduction to Colorado Springs

More information

CHAPTER II SURFACE WATER MANAGEMENT ELEMENT

CHAPTER II SURFACE WATER MANAGEMENT ELEMENT CHAPTER II TABLE OF CONTENTS Objective 1-Master Stormwater Management Plan Implementation... 1 Objective 2- Meeting Future Needs... 5 Objective 3- Concurrency Management... 6 Objective 4- Natural Drainage

More information

rescue and relief efforts in the aftermath of flooding, (iii) repair of flood damaged public facilities and utilities, and

rescue and relief efforts in the aftermath of flooding, (iii) repair of flood damaged public facilities and utilities, and 1. Purpose (1) It is the purpose of this Ordinance to protect human life, health, and property from flood conditions, to preserve the ability of floodplains to carry and discharge a base flood, and to

More information

Frequently Asked Questions (FAQs)

Frequently Asked Questions (FAQs) 1. Why is Wellesley getting new flood plain maps? Flood plain or flood hazard maps, also known as Flood Insurance Rate Maps (FIRMs), are important tools in the effort to protect lives and properties in

More information

Frequently Asked Questions (FAQs)

Frequently Asked Questions (FAQs) 1. Why are Westchester communities getting new flood hazard maps? Flood hazard maps, also known as Flood Insurance Rate Maps (FIRMs), are important tools in the effort to protect lives and properties in

More information

MITIGATION STRATEGY OVERVIEW

MITIGATION STRATEGY OVERVIEW ALL-HAZARDS MITIGATION PLAN MITIGATION STRATEGY Code of Federal Regulations (CFR) Requirement 44 CFR Part 201.6(c)(3)(i): The mitigation strategy shall include a description of mitigation goals to reduce

More information

1. Introduction: Statement of Problem

1. Introduction: Statement of Problem Executive Summary A Model Sea-Level Rise Overlay Zone For Maryland Local Governments Expert Review Report November 2011 1. Introduction: Statement of Problem With over 3,000 miles of coastline, Maryland

More information

Association of State Flood Managers Annual Conference Wednesday, June 4, 2014

Association of State Flood Managers Annual Conference Wednesday, June 4, 2014 Association of State Flood Managers Annual Conference Wednesday, June 4, 2014 Hillsborough County, In the Trenches Local Mitigation Eugene Henry, CFM, AICP Hazard Mitigation Manager Floodplain Administrator

More information

CASS COUNTY COMMISSION POLICY MANUAL 38.07 ADOPTED DATE: FEBRUARY 2, 1998 PAGE 1 OF 9

CASS COUNTY COMMISSION POLICY MANUAL 38.07 ADOPTED DATE: FEBRUARY 2, 1998 PAGE 1 OF 9 CASS COUNTY COMMISSION POLICY MANUAL 38.07 SUBJECT: ORDINANCE #1998-2 (FLOOD DAMAGE PREVENTION) ADOPTED DATE: FEBRUARY 2, 1998 PAGE 1 OF 9 NORTH DAKOTA COUNTY OF CASS ORDINANCE #1998-2 Be it ordained and

More information

Floodplain Development Land Use Review

Floodplain Development Land Use Review COMMUNITY DEVELOPMENT DEPARTMENT Planning Division P.O. Box 490 333 Broadalbin Street SW Albany, OR 97321 Phone 541-917-7550 Fax 541-791-0150 www.cityofalbany.net Floodplain Development Land Use Review

More information

REBUILDING BELMAR ABFE FLOOD MAPS &THE REBUILDING PROCESS

REBUILDING BELMAR ABFE FLOOD MAPS &THE REBUILDING PROCESS REBUILDING BELMAR ABFE FLOOD MAPS &THE REBUILDING PROCESS REBUILDING BELMAR ABFE Maps Preliminary FIRM Maps Flood Insurance Increased Cost of Compliance (ICC) Elevation of Structures Building Permits Acronyms

More information

1. Why is the City of Dickinson getting new flood hazard maps?

1. Why is the City of Dickinson getting new flood hazard maps? FREQUENTLY ASKED QUESTIONS 1. Why is the City of Dickinson getting new flood hazard maps? Flood hazard maps, also known as Flood Insurance Rate Maps (FIRMs), are important tools in the effort to protect

More information

Flood Mitigation Workgroup Final Findings and Recommendations Part 1 Immediate Needs and Short-Term Plan. June 4, 2015

Flood Mitigation Workgroup Final Findings and Recommendations Part 1 Immediate Needs and Short-Term Plan. June 4, 2015 Flood Mitigation Workgroup Final Findings and Recommendations Part 1 Immediate Needs and Short-Term Plan June 4, 2015 Background: On April 3, 2015, Louisville Metro experienced a significant rainstorm

More information

Renovation Requirements in Floodplains

Renovation Requirements in Floodplains PHRC Webinar Series Tuesday, March 11, 2014 1:00 pm Renovation Requirements in Floodplains Presented by: Katie Blansett, PhD, PE Credit(s) earned on completion of this course will be reported to AIA CES

More information