MANAGING FLOODPLAINS CRS AND THE NFIP

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1 MANAGING FLOODPLAINS CRS AND THE NFIP Landon K. Smith, CBO, CFM BUILDING OFFICIAL / FLOODPLAIN ADMINISTRATOR EMERGENCY MANAGEMENT DIRECTOR CITY OF ORANGE BEACH, ALABAMA

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3 AAFM Users Group Advantages of a State or Regional CRS Users Group Messaging and education campaigns Outreach activity assistance Credited joint activities Access to State and Local Mitigation and FPM program staff Networking Uniform minimum credit analysis

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5 NFIP PREMIUM DISCOUNTS CRS (Community Rating System) The CRS was established to encourage community and State activities that go beyond those required by the NFIP. The incentive is reduction on flood insurance premiums so citizens save money.

6 Community Rating System CRS is a voluntary incentive Federal program. Approximately 6% of all 21,000 floodplain communities across the Nation participate in the CRS. CRS requires communities to implement flood protection standards that exceed the requirements of the NFIP. Provides discounts to flood insurance premiums.

7 FLOOD HAZARD MITIGATION

8 Goal Purpose Example Keeping future development out of known hazard areas To influence location of public and private investment, guiding it away from known hazard areas and toward safe growth locations. Directing private development away from hazard areas by zoning and subdivision regulations; use capital improvement programs (CIPs) to direct funding to locations outside hazard areas Keeping hazards from affecting existing developed areas To improve protection of already built-up areas through structural mitigation projects or environmental management techniques that modify the progression of the hazard itself Constructing dams and levees to protect low-lying developed areas from future flooding; using reforestation, beach nourishment and wetland preservation for flood control Strengthening existing and new development to resist hazards To enhance hazard resistance by enacting and enforcing construction code provisions concerning hazard stresses and impacts Including design standards and project review procedures in subdivision regulations and building codes to ensure the safety of projects subject to flood hazards

9 OUTREACH AND ECUCATION Credited Elements Credit points for Activity 330 are based on five types of outreach projects. To receive credit under this activity, a community may do the following types of projects, which are known by their acronyms: 1. OPC: Outreach projects to the entire community 2. OPF: Outreach projects to floodplain residents 3. OPA: Additional outreach projects 4. OPS: Outreach projects pursuant to a public information program strategy 5. PFI: An annual mailing to residents that promotes flood insurance.

10 THE FLOOD DAMAGE PREVENTION ORDINANCE

11 CITY OF ORANGE BEACH FLOOD DAMAGE PRVENTION ORDINANCE PURPOSE Restrict or prohibit uses which are dangerous to health, safety and property due to water or erosion hazards, or which result in damaging increases in erosion or in flood heights or velocities.

12 FLOOD DAMAGE PREVENTION ORDINANCE PURPOSE Control the alteration of natural floodplains, stream channels and natural protective barriers that are involved in the accommodation of floodwaters.

13 CITY OF ORANGE BEACH FLOOD DAMAGE PREVENTION ORDINANCE HIGHER REGULATORY STANDARDS Requires 2 freeboard in AE Zones Requires 3 freeboard in VE Zones Requires 1 above roadway in all Zones Contains minimum piling embedment requirements Requires attenuation of the 25 peak storm event and 1 water quality treatment.

14 OPEN SPACE 420 OPEN SPACE PRESERVATION Credit is given for areas in a regulated floodplain that are permanently preserved as open space. Additional credit is given for parcels of open space that are protected by deed restrictions or that have been preserved in or restored to their natural state. Credit is also given for measures that require or encourage less development in floodplains. Credited Elements Max Points OSP Open Space Preservation 1,450 DR Deed Restrictions 50 NB Natural and Beneficial functions 350 SHOS Special Hazard Open Space ### OSI Open Space Incentives 250 LZ Low density Zoning 600 NSP Natural Shoreline Protection 120 Activity Max 1,970

15 OPEN SPACE PRESERVATION

16 NFIP Reform BW-12 The Biggert-Waters Flood Insurance Reform Act of 2012

17 BW-12 TAKE AWAY Rate changes will have the greatest effect on properties located within a Special Flood Hazard Area (SFHA) that were constructed before a community adopted its first Flood Insurance Rate Map (FIRM) and have not been elevated. For many communities the initial FIRM would have been adopted in the 1970 s and 1980 s. Many of these pre-firm properties have been receiving subsidized rates. Subsidies are already being phased out for non-primary residences, businesses; properties of one to four residences that have experienced severe repetitive loss; and properties that have incurred flood-related damages where claims payments exceed the fair market value of the property. Premiums for these properties will increase by 25% per year until they reach the full risk rate. Subsidies are not being phased out for existing policies covering primary residences. However, the subsidy provided to primary residences could still be lost under conditions that apply to all subsidized policies. Subsidies will be immediately phased out for all new and lapsed policies and upon sale of the property. There may also be premium changes for policyholders after their community is remapped. But that provision of the Act is still under review and will be implemented in the future.

18 THANK YOU FOR YOUR TIME AND ATTENTION ANY QUESTIONS?