Madison Preliminary Flood Map Open House Community Meeting
|
|
- Horatio George
- 8 years ago
- Views:
Transcription
1 Madison Preliminary Flood Map Open House Community Meeting December 9, 2010
2 INTRODUCTION Welcome to the Madison County, AL Preliminary Flood Map Open House Meeting The Office of Water Resources (OWR), in partnership with FEMA and local Community Officials, want to give you an opportunity to view your property with the new flood data to observe the current risk to you property, ask questions, and make comments on the preliminary FIRMs OWR in conjunction with FEMA and your local community officials want to inform you of your recourse options based on the risk shown on the preliminary Flood Insurance Rate Maps (There are four scenarios that will be applicable to everyone)
3 PLEASE KEEP IN MIND... Preliminary (draft) Flood Insurance Rate Maps (FIRMs) will go through review by FEMA, Community Officials and Citizens. The FIRMs will not become effective for insurance rating purposes until around April/May of It is Mortgage Company or Lender prerogative on requiring flood insurance on a structure outside of the ZONE AE and ZONE A (1% annual chance) Floodplain that is financed by a federally backed mortgage. Homeowners Insurance (for damage, fire, etc.) does not include flood insurance. If there is not a federally backed mortgage on your home or business you are not required to carry flood insurance on that structure. Flood Maps (FIRMs) map the risk of being susceptible to flooding, specifically the 1% annualchance flood area. This flood area is developed based on current standard engineering and scientific methodologies, computer analyses and tools. No one can predict flooding and no structure is completely safe from flooding. Having flood insurance is a good option to protect your property from the devastation of flooding.
4 PRESENTATION POINTS Why Floodplains are Developed Identifying Flood Zone Designations on a Flood Insurance Rate Map (FIRM) Determining your Risk / Suggested Steps to Follow Who to Contact Locally
5 OPEN HOUSE MEETING SET UP The purpose of the meeting today is to provide, you, the citizens, an opportunity to view your flood risk based on the preliminary flood maps, inform you of your options based on your risk and collect comments on the preliminary maps. Areas of assistance Include: Preliminary FIRMS / Property Viewing Stations Informative Presentation National Flood Insurance Program Area
6 WHY FLOODPLAINS ARE DEVELOPED The regulatory standard for the National Flood Insurance Program s (NFIP) components of mapping, insurance, and regulation is the base flood or the 1 Percent Annual Chance Flood. The Base Flood Elevation (BFE) is the computed elevation to which floodwater is anticipated to rise during the base flood. The BFE is the regulatory requirement for the elevation or flood proofing of structures. The relationship between the BFE and a structure s elevation determines the flood insurance premium.
7 WHY FLOODPLAINS ARE DEVELOPED Floodplains are low ground near streams that naturally convey rain waters to larger streams and eventually the oceans. The NFIP definition of a flood is the temporary inundation of usually dry ground. Floodplains have been conveying water since the first rain event. These events vary in magnitude and frequency. For the purpose of Flood Protection the NFIP uses the flood with a 1% (1/100) chance of occurring each year. It is know as or frequently called the 100 year flood. The NFIP attempts to protect U.S. Citizens in participating Communities by allowing property owners (commercial/private) to purchase flood insurance for structures (buildings) in and out of the 1%-annual-chance floodplain. The FEMA requires property located within a Special Flood Hazard Area and backed by a federally secured mortgage to be covered by an NFIP Flood Insurance Policy (44 CFR Part 59.2)
8 FREQUENTLY USED TERMS & ACRONYMS WYO - Write Your Own SFHDF - Standard Flood Hazard Determination Form SFIO - Standard Flood Insurance Policy ICC - Increased Cost of Compliance BFE - Base Flood Elevation H&H - Hydrologic & Hydraulic CRS - Community Rating System CTP - Cooperating Technical Partner DEM - Digital Elevation Model DFIRM - Digital Flood Insurance Rate Map FIRM - Flood Insurance Rate Map FIS - Flood Insurance Study GIS - Geographic Information System LOMR-F - Letter of Map Revision Based on Fill TSDN - Technical Support Data Network LOMC - Letter of Map Change LIDAR - Light Detection and Ranging NFIP - National Flood Insurance Program NAVD 88 - North American Vertical Datum of 1988 EC - Elevation Certificate SFHA - Special Flood Hazard Area SOMA - Summary of Map Actions PLS - Professional Land Surveyor PE - Professional Engineer LAG - Lowest Adjacent Grade LFD - Letter of Final Determination LFE - Lowest Flood Elevation LOMA - Letter of Map Amendment LOMR - Letter of Map Revision PMR - Physical Map Revision
9 DEFINITIONS Digital Flood Insurance Rate Map (DFIRM): A collection of all digital data required to reproduce a hardcopy Flood Insurance Rate Map according to FEMA standards and specifications. It includes such information as base map data, flood data, graphics, text, and shading. Flood Insurance Rate Map (FIRM): The insurance and floodplain management map produced by FEMA that identifies, based on detailed or approximate analyses, the areas subject to flooding during the 1 percent annual chance flood or base flood depths.
10 INDENTIFYING ZONE DESIGNATIONS Zone AE Areas subject to inundation by the 1 percent annual chance flood event as determined by detailed methods. Base flood elevations are shown within these zones.
11 INDENTIFYING ZONE DESIGNATIONS Zone A (dark shaded) Areas subject to inundation by the 1 percent annual chance flood event as determined by approximate methods.
12 INDENTIFYING ZONE DESIGNATIONS ZONE AO Identifies areas subject to inundation by 1 percent annual chance shallow flooding (usually sheet flow on sloping terrain) where average depths are 1 3 feet.
13 INDENTIFYING ZONE DESIGNATIONS Zone X (unshaded X) Areas of moderate or minimal flood hazard. Zone X (shaded light grey) Areas subject to inundation by the 0.2 percent annual chance flood event or areas subject to inundation by the 1 percentannual chance flood event with average depths less than one foot or with drainage areas less than one square mile; and areas protected by levees from the 1 percent annual chance flood.
14 INDENTIFYING ZONE DESIGNATIONS Floodway (diagonal hashlines) The stream channel, plus any adjacent floodplain areas that must be kept free of encroachment so that the 1 percent annual chance flood can be carried without substantial increases in flood heights (no greater than a 1.0 foot increase in the BFE).
15 NATIONAL FLOOD INSURANCE PROGRAM
16 EVOLUTION OF THE NFIP Prior to 1940: Flood control provided by structures (levees, dams, dikes) 1965: Congress passed the Water Resources Planning Act, which established the Water Resources Council 1966: Congress House Document (HD) 465: created a Unified National Program for Managing Flood Losses Recognized structural measures were not enough Declared: Floods are an act of God. Flood damages result from acts of man. 1968: National Flood Insurance Act establishing the NFIP 1973: Flood Disaster Protection Act established mandatory flood insurance and required NFIP participation for certain types of disaster assistance 1977: Executive Orders Floodplain Management Wetlands Protection 1994: Galloway Report
17 MAJOR PROVISIONS OF THE NFIP New mitigation insurance benefit, Increased Cost of Compliance (ICC) created Compliance with mandatory purchase requirement improved Flood Mitigation Assistance program created Flood insurance coverage limits increased Community Rating System codified Flood insurance policy waiting period increased to 30 days Study of economic impact of mapping erosion hazard areas required Federal disaster assistance prohibited in certain cases if flood insurance was not maintained Study of economic effects of charging actuarially based premium rates for pre-firm structures required
18 NATIONAL FLOOD INSURANCE PROGRAM
19 Madison Flood Map Project Specifics 3. DFIRM Database 1. Flood Insurance Study (FIS) 2. DFIRM 2. FIRM
20 WHY UPDATE MADISON CO MAPS? Madison County s current flood risk maps are dated April 1998 Risk of flooding in many areas has increased due to changes in drainage patterns relating to land use, surface erosion, and other natural forces Updated flood maps more accurately represent the risk of flooding
21 PROJECT SPECIFICS
22 FLOOD STATUS GURLEY Estimates of Impacts to Parcels Relative to the Special Flood Hazard Area Status Number of Parcels 1 Parcels Added to the SFHA 65 Parcels Removed from the SFHA 2 Parcels Still in the SFHA 57 Parcels Still Out of the SFHA Estimated from Madison County Parcel Data Total Number of Town of Gurley Parcels: 708
23 FLOOD STATUS HUNTSVILLE Estimates of Impacts to Parcels Relative to the Special Flood Hazard Area Status Number of Parcels 1 Parcels Added to the SFHA 3,472 Parcels Removed from the SFHA 1,272 Parcels Still in the SFHA 7,765 Parcels Still Out of the SFHA 74,686 1 Estimated from City of Huntsville Parcel Data Total Number of City of Huntsville Parcels: 87,195
24 FLOOD STATUS CITY OF MADISON Estimates of Impacts to Parcels Relative to the Special Flood Hazard Area Status Number of Parcels 1 Parcels Added to the SFHA 249 Parcels Removed from the SFHA 207 Parcels Still in the SFHA 835 Parcels Still Out of the SFHA 14,706 1 Estimated from City of Madison Parcel Data Total Number of City of Madison Parcels: 15,997
25 FLOOD STATUS MADISON COUNTY Estimates of Impacts to Parcels Relative to the Special Flood Hazard Area Status Number of Parcels 1 Parcels Added to the SFHA 5,098 Parcels Removed from the SFHA 1,985 Parcels Still in the SFHA 13,618 Parcels Still Out of the SFHA 152,971 1 Estimated from Madison County Parcel Data Total Number of Madison County Parcels: 173,672
26 FLOOD STATUS NEW HOPE Estimates of Impacts to Parcels Relative to the Special Flood Hazard Area Status Number of Parcels 1 Parcels Added to the SFHA 441 Parcels Removed from the SFHA 0 Parcels Still in the SFHA 256 Parcels Still Out of the SFHA 1,494 1 Estimated from Madison County Parcel Data Total Number of Town of New Hope Parcels: 2,191
27 FLOOD STATUS OWENS CROSS ROADS Estimates of Impacts to Parcels Relative to the Special Flood Hazard Area Status Number of Parcels 1 Parcels Added to the SFHA 0 Parcels Removed from the SFHA 23 Parcels Still in the SFHA 385 Parcels Still Out of the SFHA Estimated from Madison County Parcel Data Total Number of Town of Owens Cross Roads Parcels: 1,226
28 FLOOD STATUS TRIANA Estimates of Impacts to Parcels Relative to the Special Flood Hazard Area Status Number of Parcels 1 Parcels Added to the SFHA 3 Parcels Removed from the SFHA 20 Parcels Still in the SFHA 33 Parcels Still Out of the SFHA Estimated from Madison County Parcel Data Total Number of Town of Triana Parcels: 724
29 2008 / 2009 NOV JUN Scoping Meeting: 11/13/2008 Scoping Meeting: 6/24/2009
30 2010 SEP NOV DEC Preliminary Packages issued to Communities Transmittal Letter FIRMs FIS SOMA (if needed) Community Coordination Officers Meeting: 11/03/2010 Open House Meeting: 12/09/2010 Informational Presentation Preliminary FIRM Viewing
31 Appeals and Protests Defined Appeal the community refutes the proposed BFEs by submitting data to show that the BFEs are scientifically or technically incorrect. Protest An objection to the Preliminary DFIRM and FIS that does not involve the proposed BFEs; protests will generally involve changes to corporate limits, roads, and floodplain boundary delineations (ZONE A). Appeals and Protests can be referenced in Part 67 of the NFIP regulations 44 CFR 67.6
32 Comment Period Comment period begins on the date the preliminary maps were received by the Communities. Comments from the Communities to correct the FIRMs due on the date of the PDCC meeting. Examples of comments: updated corporate limits, road name changes, stream name corrections, dispute of Floodplain Boundary Delineation, etc. Please send comments to the Office of Water Resources via your local Floodplain Administrator by December 31, 2010.
33 Appeal Period Required Statutory 90 Day period for submission of scientific or technical data to dispute or change the proposed Base Flood Elevations (BFEs) published within the Federal Register. Newspaper Notice of Proposed BFE changes run twice in a 7 10 day period. After proposed Base Flood Elevations (BFEs) are published within the Federal Register each Community affected by the proposed BFEs will receive a letter informing them of: The date, volume and page number of the Notice of Proposed Flood Elevation Determinations published in the Federal Register The dates of two (2) Public BFE Notice Ads running in the local paper (The Huntsville Times) The right of the Community/Citizens to appeal the proposed Base Flood Elevations and additional information on appeals
34 Letter of Final Determination by FEMA FEMA issues the LFD when the 90 day appeal period ends, all appeals and protests have been resolved, and all followup actions are taken. The LFD is sent to the community CEO, floodplain administrator, the State NFIP coordinator, and the FEMA Regional office. The LFD notifies all users that the proposed BFEs are considered final. The community compliance period (6 months) is also initiated when the LFD is issued. The effective date of the DFIRM is set by the LFD
35 2011 MAR APR MAY JUN JUL AUG Estimated 90 Day Appeal Period Two (2) Ads informing citizens of proposed BFEs run in The Huntsville Times within 7 10 days. 2 nd Ad begins 90-Day Appeal Period Appeal Resolution Time End of 90-days to submit appeals Proposed BFEs Published in the Federal Register (projected)
36 2011 JUL SEP OCT NOV DEC Appeal Resolution Time The appeal period ends when submitted appeals are resolved. Community Compliance Period After completing the FEMA QA/QC process the Letter of Final Determination is issued (projected)
37 2012 JAN FEB MAR APR MAY JUN 6 Month Community Compliance Period Effective Date of the FIRMs is six (6) months after the date of the Letter of Final Determination (projected)
38 Four (4) Scenarios Presented Today Determine your property (home) location relative to the floodplain on the current effective FIRMS and the preliminary FIRMs. Your property will either be within the floodplain or outside of the floodplain on either set of FIRMs. Four (4) Scenarios: Within the Current Floodplain, and Within the New Floodplain Within the Current Floodplain, and Outside the New Floodplain Outside the Current Floodplain, and Within the New Floodplain Outside the Current Floodplain, and Outside the New Floodplain Based on the above scenarios we will describe steps for property owners to ensure their flood risk and resultant flood insurance requirement is accurate.
39 In the Current Floodplain & the New Floodplain
40 INSIDE THE CURRENT FLOODPLAIN, INSIDE THE NEW FLOODPLAIN Determine the Base Flood Elevation (BFE) on the preliminary FIRM affecting your property (home). Compare this preliminary BFE to the current BFE. Flood elevations may have increased or decreased from the current effective There may be an adjustment to flood insurance premium if there is a lapse in coverage or if the property (home /office) is substantially damaged or improved after the preliminary FIRMs are effective. Check the FIRMs after the effective date to ensure floodplains have remained the same. Floodplains can change due to additional data considered in the flood study, caused by appeals.
41 In the Current Floodplain & Out of the New Floodplain
42 WITHIN THE CURRENT FLOODPLAIN, BUT OUTSIDE THE NEW FLOODPLAIN If you currently have flood insurance keep you policy in force. Your lender/mortgage company may still require flood insurance if your property is Close to the floodplain. If you decide to keep flood insurance on your structure (home or business), request a Preferred Risk Policy now that your structure is no longer within the floodplain. You may have an option of applying for a LOMA if your lender/mortgage company still requires you to purchase flood insurance for your structure based on the new effective FIRMs. Your lender/mortgage company can still require you to purchase flood insurance for your structure, even with a LOMA from FEMA. You will be eligible for a Preferred Risk Policy at a reduced premium. Check the FIRMs after the effective date to ensure floodplains have remained the same. Floodplains can change due to additional data considered in the flood study, caused by appeals
43 Out of the Current Floodplain & In the New Floodplain
44 OUTSIDE THE CURRENT FLOODPLAIN, BUT WITHIN THE NEW FLOODPLAIN Get flood Insurance NOW! The policy will be based on the current effective FIRM (reduced risk). If you feel your property (home or business) may be outside of the floodplain on the preliminary FIRMs you may request a Letter of Map Amendment (LOMA) from FEMA. Keep your flood insurance policy in effect until any LOMA efforts are completed. Your lender/mortgage company can still require flood insurance after you receive a LOMA from FEMA. If this is the case, you will be eligible to purchase a Preferred Risk Policy at a substantially lower rate. Check the FIRMs after the effective date to ensure floodplains have remained the same. Floodplains can change due to additional data considered in the flood study, caused by appeals.
45 Out of the Current Floodplain & Out of the New Floodplain
46 OUTSIDE THE CURRENT FLOODPLAIN, OUTSIDE THE NEW FLOODPLAIN If you currently have flood insurance keep you policy in effect. Be sure to check the new FIRMs after the effective date to ensure your flood risk is the same. Floodplains can change due to additional data considered in the flood study, caused by appeals. Your Mortgage Company/Lender may require flood insurance based on your property s proximity to the floodplain.
47 FOUR (4) SCENARIOS IN SUMMARY If Maps Show Change from low or moderate flood risk to high risk ( flood zone B, C, or X to zone A, AE, AH or AO, V, VE) These Requirements, Options And Savings Apply Flood insurance is mandatory. Flood insurance will be federally required for most mortgage holders. Insurance costs may rise to reflect the true (high) risk. Grandfathering can offer savings. The National Flood Insurance Program has grandfathering rules to recognize policyholders who built in compliance with the flood map in effect at the time of construction or who maintain continuous coverage. Sometimes, though, using the new flood maps can actually result in a lower premium, especially if the home is high enough above the BFE. Change from high flood risk to low or moderate risk (e.g., flood zone A, AE, AH, AO, to X or shaded X) Flood insurance is optional but recommended. The risk has only been reduced, not removed. Flood insurance can still be obtained, and at lower rates. About 25 percent of all flood insurance claims come from moderate-to-low-risk areas. Conversion offers savings. An existing policy can be easily converted to a lower-cost Preferred Risk Policy, if the building qualifies. Note that lenders always have the option to require flood insurance in these areas. Increase in the Base Flood Elevation (BFE) An increase in BFE can result in higher premiums; however, grandfathering can offer savings. The National Flood Insurance Program grandfathering rules allow policyholders who have built in compliance with the flood map in effect at the time of construction to keep the earlier base flood elevation to calculate their insurance rate. This could result in significant savings. No change in risk level No change in insurance rates. However, this is a good time to review your coverages and ensure that your building and contents are adequately protected.
48 Local Floodplain Administrators Community FPA Name Address Phone Gurley The Honorable Stan Simpson 235 Walker Street Gurley, AL Huntsville Mr. Gary Gleason 320 Fountain Circle Huntsville, AL Madison City Mr. Gary Chynoweth 100 Hughes Road Madison, AL Madison Co. Mr. Richard Grace 266 C Shields Road Huntsville, AL New Hope Ms. Karen Williams 5496 Main Street New Hope, AL Owens Cross Roads The Honorable Curtis Craig 9032 Old Hwy 431 Owens Cross Road, AL Triana Mr. Tom Dozier th Street Madison, AL New Hope, AL You may also contact Phillip Hicks with the Alabama Office of Water Resources at (334)
49 Website Resources Website Resources: Local Websites: (City of Huntsville) Direct Link to View Preliminary FIRM data: Alabama Office of Water Resources Website :
50 Website Resources: Website Resources: FEMA Website on Mapping: For general information about flood insurance: (The Flood Risk Estimator on this website uses the current maps, not the new preliminary maps, so the level of flood risk estimated may not be representative.)
Criteria for Appeals of Flood Insurance Rate Maps
Criteria for Appeals of Flood Insurance Rate Maps November 30, 2011 This document outlines the criteria for appealing proposed changes in flood hazard information on Flood Insurance Rate Maps (FIRMs)
More informationPRELIMINARY DIGITAL FLOOD INSURANCE RATE MAPS (DFIRM)
INTRODUCTION This Mississippi Guidance document has been prepared to explain to community officials how the Preliminary Digital Flood Insurance Rate Maps (DFIRMs) and Preliminary Flood Insurance Study
More information1. 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 informationFrequently Asked Questions (FAQs)
1. Why is Shawnee 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 properties throughout
More informationFEMA s FLOOD INSURANCE RATE MAPS
My Lender is requiring me to purchase Flood Insurance Options for San Diego County Residents in Unincorporated Areas This document is intended to help San Diego County residents who have been contacted
More informationFrequently 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 informationFlood Maps are Changing
Flood Maps are Changing What Real Estate Agents Should Know Mississippi coastal counties will soon enter a new era. The Mississippi Coastal Flood Study, undertaken by the Federal Emergency Management Agency
More informationJames City County and Williamsburg Open House Meeting
James City County and Williamsburg Open House Meeting What the New Preliminary Flood Insurance Rate Maps (FIRMs) Mean for Your Community and for You as a Property Owner August 13, 2014 1 Today s Open House
More informationFrequently 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 informationFrequently 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 informationNational Flood Insurance Program (NFIP)
National Flood Insurance Program (NFIP) Saunders County, Nebraska Preliminary Flood Insurance Rate Maps CCO Meeting February 12, 2015 Agenda Introductions and Roles National Flood Insurance Program (NFIP)
More informationElevations Certificates: Update 2009 Presented by Wendy Lathrop, PLS, CFM
Elevations Certificates: Update 2009 Presented by Wendy Lathrop, PLS, CFM The objectives of the National Flood Insurance Program (NFIP): Reduce the exposure to flood damages through the use of minimum
More informationMap Modernization and DFIRMs. Dr. Shane Parson, PE, CFM
Map and DFIRMs Dr. Shane Parson, PE, CFM URS Corp. Acknowledgements Insurance portions of this presentation were originally given at ASFPM Conference by Bruce A. Bender; FloodSmart/Bender Consulting Services,
More informationSARASOTA 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 informationFLOOD HAZARD MAPPING. Frequently Asked Questions by Homeowners
FLOOD HAZARD MAPPING Frequently Asked Questions by Homeowners General National Flood Insurance Program Information 1. What is the National Flood Insurance Program (NFIP)? 2. What are some of the common
More information1. 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 informationBrunswick County Preliminary Flood Hazard Data Public Meeting. 18 August 2015
Brunswick County Preliminary Flood Hazard Data Public Meeting 18 August 2015 Why Are We Here New flood hazard data has been released as Preliminary for Brunswick County Statutory Due Process for review/comments
More informationRockford s map update project is a joint effort with FEMA in cooperation with local associations and other state partners.
FREQUENTLY ASKED QUESTIONS 1. Why is Rockford 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
More informationTown 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 informationAnswers to Questions. For Property Owners Remapped Into Higher-Risk Flood Areas
Answers to Questions For Property Owners Remapped Into Higher-Risk Flood Areas You have just been informed that the structure on your property may have been mapped into a higher risk flood zone, known
More informationHow to Read a Flood Insurance Rate Map Tutorial. Developed September 2000 Updated June 2003
How to Read a Flood Insurance Rate Map Tutorial Developed September 2000 Updated June 2003 Learning Objectives: The Objectives of the tutorial are: 1. To show the various types of flood maps, 2. To describe
More informationTown 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 informationFEMA Updates Flood Plain Information For 2006
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 informationUnderstanding Flood Map Modernization
Understanding Flood USING PRELIMINARY FLOOD HAZARD MAPS RELEASING PRELIMINARY FLOOD HAZARD MAPS The release of preliminary flood hazard maps, or Digital Flood Insurance Rate Maps (DFIRMs), is an important
More informationMT-EZ. Amendments to National Flood Insurance Program Maps. Application Form for Single Residential Structure Lot. FEMA Form 81-92 Series August 2004
MT-EZ Amendments to National Flood Insurance Program Maps Application Form for Single Residential Structure Lot FEMA Form 81-92 Series August 2004 AMENDMENTS TO NATIONAL FLOOD INSURANCE PROGRAM MAPS APPLICATION
More informationOverview of the National Flood Insurance Program (NFIP) and Recent Flood Mapping Efforts. Richard Zingarelli
Overview of the National Flood Insurance Program (NFIP) and Recent Flood Mapping Efforts Richard Zingarelli State NFIP Program Coordinator Commonwealth of Massachusetts Department of Conservation and Recreation
More informationPreferred Risk Policy Eligibility Extension
AGENT FACT SHEET A New Low-Cost Flood Insurance Option The Federal Emergency Management Agency (FEMA) introduces a new flood insurance rating option for the National Flood Insurance Program (NFIP) to help
More informationAdoption of Flood Insurance Rate Maps by Participating Communities. FEMA 495 / September 2012
Adoption of Flood Insurance Rate Maps by Participating Communities FEMA 495 / September 2012 Adoption of Flood Insurance Rate Maps by Participating Communities 1 Adoption of Flood Insurance Rate Maps by
More informationChanging 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 informationChapter 4 Flood Risk Management
Chapter 4 Flood Risk Management Contents 1.0 Introduction... 1 2.0 Floodplain Management Fundamentals... 2 2.1 Basic Definitions... 2 2.1.1 Floodplain... 2 2.1.2 100-year Flood/Base Flood... 3 2.1.3 Base
More informationCHICKASAW COUNTY, MISSISSIPPI, AND INCORPORATED AREAS
CHICKASAW COUNTY, MISSISSIPPI, AND INCORPORATED AREAS Chickasaw County Community Name Community Number CHICKASAW COUNTY 280269 (UNINCORPORATED AREAS) HOUSTON, CITY OF 280030 NEW HOULKA, TOWN OF 280067
More informationFEMA Flood Zone Designations
Note: SFHA "Special Flood Hazard Area" FEMA Flood Zone Designations Zone VE Zone A Zone AE Zone X Zone X500 UNDES along coasts subject to inundation by the 100-year flood with additional hazards due to
More informationDivision 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 informationLevee Certification/Accreditation Process Cameron and Hidalgo Counties
Levee Certification/Accreditation Process Cameron and Hidalgo Counties Lower Rio Grande Citizens Forum October 21, 2009 Larry Voice Background As administrator of the National Flood Insurance Program (NFIP),
More informationMAP TYPES FLOOD HAZARD BOUNDARY MAP MAP READING & FLOOD INSURANCE STUDIES. FHBM Flood Hazard Boundary Map. FIRM Flood Insurance Rate Map
FLOODPLAIN MANAGEMENT 101 MAP READING & FLOOD INSURANCE STUDIES MAP TYPES FHBM Flood Hazard Boundary Map FIRM Flood Insurance Rate Map FBFM Flood Boundary and Floodway Map DFIRM Digital Flood Insurance
More informationFEMA Elevation Certificate
FEMA Elevation Certificate 2013 MARLS Conference Larry Schock, CFM DNRC Missoula Regional Office (406) 542-5885 lschock@mt.gov FEMA Elevation Certificate Presentation Overview National Flood Insurance
More informationTeller County, Colorado Floodplain Development Permit Application
Teller County, Colorado Floodplain Development Permit Application This is an application packet for a Floodplain Development Permit (FDP). Certain sections are to be completed by the Applicant, and certain
More information6.01 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 informationAn Introduction to FEMA Flood Map Updates and How it Affects You
An Introduction to FEMA Flood Map Updates and How it Affects You Presented by Michael Baker Jr., Inc. on behalf of the City of Reno Agenda Session 1 5:30-6:00 FEMA Flood Map Changes Program Slide Show
More information1. GENERAL ADVISORY BASE FLOOD ELEVATION (ABFE) QUESTIONS
INTRODUCTION As communities begin to recover from the devastating effects of Hurricane Sandy, it is important to recognize lessons learned and to employ mitigation actions that ensure structures are rebuilt
More informationUniversity of MT Helena College of Technology Helena, MT July 21, 2010. Image Courtesy Watershed Sciences, Inc.
University of MT Helena College of Technology Helena, MT July 21, 2010 Image Courtesy Watershed Sciences, Inc. WELCOME INTRODUCTIONS Image Courtesy Watershed Sciences, Inc. Target Audience: Engineers,
More informationCHAPTER 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 informationEssex County, NJ. Preliminary Flood Insurance Study & Flood Insurance Rate Maps Release. FEMA Region 2 May 29, 2014
Essex County, NJ Preliminary Flood Insurance Study & Flood Insurance Rate Maps Release FEMA Region 2 May 29, 2014 Agenda Introduction Review: Preliminary Work Maps (July 2013) Preliminary Flood Insurance
More informationUlster County, New York Flood Hazard Mapping Status Report for Property Owners
Ulster County, New York Flood Hazard Mapping Status Report for Property Owners Ulster County, New York Flood Hazard Mapping Status Report for Property Owners FLOOD INSURANCE Who Should Purchase Flood Insurance?
More informationSalem County, New Jersey Flood Hazard Mapping Status Report for Property Owners
Salem County, New Jersey Flood Hazard Mapping Status Report for Property Owners Salem County, New Jersey Flood Hazard Mapping Status Report for Property Owners FLOOD INSURANCE Who Should Purchase Flood
More informationPreferred Risk Policy (PRP) 2-Year Eligibility Extension
Preferred Risk Policy (PRP) 2-Year Eligibility Extension Norm Ashford, FEMA Insurance Specialist 303-235-4912 Norman.ashford@dhs.gov Erin May, NFIP Bureau & Stats Agent, Region VIII, iservice Regional
More informationDEPARTMENT OF HOMELAND SECURITY FEDERAL EMERGENCY MANAGEMENT AGENCY STANDARD FLOOD HAZARD DETERMINATION FORM (SFHDF)
Flood Determination The flood status of a property (and therefore the requirement for flood insurance) is based on whether a FEMA-designated Special Flood Hazard Area (100 year flood zone) touches a structure
More informationFlood Insurance for Risk Managers
Flood Insurance for Risk Managers Basics of the National Flood Insurance Program August 20, 2012 Susan W. Wilson DHS/FEMA Region IV NFIP Created by National Flood Insurance Act of 1968 THIS Adopt a local
More informationNATIONAL FLOOD INSURANCE PROGRAM (NFIP): THE BASICS & UPDATE
May 19, 2015 NATIONAL FLOOD INSURANCE PROGRAM (NFIP): THE BASICS & UPDATE ON THE CURRENT STATE Mary-Carson Stiff, JD, CFM Shannon Hulst Jarbeau, CFM Closing the Deal: How to respond to the new realities
More informationInsurance 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 informationNATIONAL FLOOD INSURANCE PROGRAM TRANSITION TO NAVD 88. Elmer C Knoderer, P. E. Dewberry & Davis 8401 Arlington Boulevard Fairfax, VA 22031-4666
NATIONAL FLOOD INSURANCE PROGRAM TRANSITION TO NAVD 88 Elmer C Knoderer, P. E. Dewberry & Davis 8401 Arlington Boulevard Fairfax, VA 22031-4666 BIOGRAPHICAL SKETCH Elmer C Knoderer received his B. S. in
More informationPERSPECTIVES MANAGING THE FLOOD INSURANCE CONUNDRUM PROPERTY FEMA S MAP MODERNIZATION PROGRAM
PROPERTY PERSPECTIVES July 2008 MANAGING THE FLOOD INSURANCE CONUNDRUM By Dan Freudenthal President Flood Zone Correction, Inc. TELEVISED IMAGES OF FLOODS ARE CONSTANT REMINDERS THAT FLOODING IS THE MOST
More informationMercer County, New Jersey Flood Hazard Mapping Status Report for Property Owners
Mercer County, New Jersey Flood Hazard Mapping Status Report for Property Owners Mercer County, New Jersey Flood Hazard Mapping Status Report for Property Owners FLOOD INSURANCE Who Should Purchase Flood
More informationMonmouth 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 informationHomeowner FAQs. Please see below for answers to frequently asked questions. Future Local Work Questions
Homeowner FAQs Due to the Biggert-Waters Flood Insurance Reform Act of 2012, new flood insurance policies for older Pre-FIRM structures in the 100-year floodplain will be increasing dramatically as of
More informationFrequently-Asked Questions about Floodplains and Flood Insurance FLOOD INSURANCE
Frequently-Asked Questions about Floodplains and Flood Insurance What is a floodplain? The floodplain is any area covered by water during normal water flows, and which could be inundated as a result of
More informationAdoption of Flood Insurance Rate Maps by Participating Communities
Adoption of Flood Insurance Rate Maps by Participating Communities FEMA 495/September 2005 Adoption of Flood Insurance Rate Maps By Participating Communities The National Flood Insurance Program (NFIP)
More informationFlood 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 informationNorth Carolina Floodplain Management
North Carolina Floodplain Management 2008 Quick Guide Floodplain Management Branch www.nccrimecontrol.org/nfip North Carolina Department of Crime Control and Public Safety Table of Contents 1... About
More informationJune 27, 2013. Write Your Own (WYO) Principal Coordinators and the National Flood Insurance Program (NFIP) Servicing Agent
U.S. Department of Homeland Security 500 C Street, SW Washington, DC 20472 W-13039a June 27, 2013 MEMORANDUM FOR: FROM: SUBJECT: Write Your Own (WYO) Principal Coordinators and the National Flood Insurance
More informationChapter 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 informationAPPLICATION FORMS FOR CONDITIONAL AND FINAL LETTERS OF MAP AMENDMENT AND LETTERS OF MAP REVISION BASED ON FILL
APPLICATION FORMS FOR CONDITIONAL AND FINAL LETTERS OF MAP AMENDMENT AND LETTERS OF MAP REVISION BASED ON FILL General Background Information In 1968, the U.S. Congress passed the National Flood Insurance
More informationCoastal Flood Risk Community Open House Toolkit for Local Officials. Prepared for: FEMA Region II Date: January 2015
Coastal Flood Risk Community Open House Toolkit for Local Officials Prepared for: FEMA Region II Date: January 2015 Page ii Contents Introduction... 0 Talking Points about the Open House and Risk MAP...
More informationOKANOGAN COUNTY OFFICE OF PLANNING AND DEVELOPMENT FLOODPLAIN DEVELOPMENT PERMIT APPLICATION
OKANOGAN COUNTY OFFICE OF PLANNING AND DEVELOPMENT FLOODPLAIN DEVELOPMENT PERMIT APPLICATION Okanogan County Code, OCC 15.08, Floodplain Management The State of Washington has authorized county governments
More informationATTACHMENT A SUMMARY OF THE NFIP PROGRAM CHANGES EFFECTIVE APRIL 1, 2016
ATTACHMENT A SUMMARY OF THE NFIP PROGRAM CHANGES EFFECTIVE APRIL 1, 2016 National Flood Insurance Program April 1, 2016, Program Changes: A Summary The changes outlined in this bulletin apply to new business
More informationAgenda. Presenter. The Current Form. Adobe Fillable Form. Elevation Certificates FEMA Form 81-31. Elevation Certificates Training 11/14/2013
NORFMA Floodplain Conference November 14, 2013 Boise, Idaho Agenda Introductions & Housekeeping Overview Basics of FEMA Form 81-31 Building Diagrams Exercise Common Errors Using ECs in Floodplain Development
More informationFEMA 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 informationChanges 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 informationNYSDEC 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 informationFlood Insurance Repetitive Loss Property
Flood Insurance Repetitive Loss Property When our system of canals, ditches and culverts was built over 20 years ago, it could handle all but the largest tropical storms and hurricanes; since then, urban
More informationGuidance for Flood Risk Analysis and Mapping. Changes Since Last FIRM
Guidance for Flood Risk Analysis and Mapping Changes Since Last FIRM May 2014 This guidance document supports effective and efficient implementation of flood risk analysis and mapping standards codified
More informationFlood Insurance Coverage/Rates Summary Excerpted From Unit 9 of Managing Floodplain Development Through the National Flood Insurance Program
Flood Insurance Coverage/Rates Summary Excerpted From Unit 9 of Managing Floodplain Development Through the National Flood Insurance Program Amount of coverage Insurance rates for all buildings are based
More informationBiggert-Waters NFIP Reform Act of 2012 For Surveyors and Engineers. December 3, 2013 Bill Tingle PG, CFM
Biggert-Waters NFIP Reform Act of 2012 For Surveyors and Engineers December 3, 2013 Bill Tingle PG, CFM Biggert-Waters National Flood Insurance Program Reform Act of 2012 (BW-12) Signed into Law July 6,
More informationPassaic County, New Jersey Flood Hazard Mapping Status Report
Passaic County, New Jersey Flood Hazard Mapping Status Report This fact sheet provides background information on the National Flood Insurance Program (NFIP) administered by the Federal Emergency Management
More informationUpdated 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 informationFREQUENTLY ASKED QUESTIONS
FREQUENTLY ASKED QUESTIONS What factors determine flood insurance premiums? A number of factors determine premiums for National Flood Insurance Program (NFIP) insurance coverage. Major factors include
More informationRethinking the National Flood Insurance Program (NFIP)
NEW YORK STATE FLOODPLAIN AND STORMWATER MANAGERS ASSOCIATION POST OFFICE BOX 1673 # ALBANY, NY 12201-1673 Rethinking the National Flood Insurance Program (NFIP) The New York State Floodplain and Stormwater
More informationHow To Build A Floodproofed Basement
General Basement Exception Guidelines National Flood Insurance Program (NFIP) floodplain management criteria at 44 CFR 60.6 (c) provide for the granting of exceptions to permit construction of floodproofed
More informationMercer County, New Jersey Flood Hazard Mapping Status Report for Property Owners
Mercer County, New Jersey Flood Hazard Mapping Status Report for Property Owners Mercer County, New Jersey Flood Hazard Mapping Status Report for Property Owners FLOOD INSURANCE Who Should Purchase Flood
More informationLOS ANGELES COUNTY S FLOODING HISTORY:
LOS ANGELES COUNTY S FLOODING HISTORY: Since 1975, Los Angeles County has experienced twelve federally, declared flood disasters, with three of those disasters coming under El Niño conditions (1983, 1998,
More informationProfessional Civil Engineers Certified Floodplain Managers
Professional Civil Engineers Certified Floodplain Managers Floodplain Management Flood Zone Modifications J.R. EVANS ENGINEERING 23150 Fashion Drive, Ste. 242 Estero, FL 33928 O 239.405.9148 F 239.288.2537
More informationChanges 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 informationCITY OF BELLEAIR BEACH, FLORIDA
CITY OF BELLEAIR BEACH, FLORIDA FLOOD INSURANCE INFORMATION Important Information for City of Belleair Beach Residents and Property Owners Regarding Flood, Risk, Insurance, Preparation, Evacuation, Safety
More informationIndian River County. FEMA Map Modernization Program. View Flood Maps FEMA Map Service Center Example Indian River County Flood MAP Panel
Indian River County FEMA Map Modernization Program This site was developed in an effort to inform Indian River County citizens on the implementation of the new FEMA flood maps. Flood Insurance Rate Map
More informationREBUILDING 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 informationKentucky Model Flood Damage Prevention Ordinance. 2015 KAMM Annual Conference Carey Johnson Kentucky Division of Water
Kentucky Model Flood Damage Prevention Ordinance 2015 KAMM Annual Conference Carey Johnson Kentucky Division of Water Flood Damage Prevention Ordinance Also referred to as Floodplain Management Ordinance
More informationFlooding & Elevation Certificates. Hurricane Floyd caused major Copyright flooding 2010 and - ASI damage to areas of Maryland
Flooding & Elevation Certificates Hurricane Floyd caused major Copyright flooding 2010 and - ASI damage to areas of Maryland Floods Anywhere it rains, it can flood. A flood is a general and temporary condition
More informationMore 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 informationShooks 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 informationMANAGING 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 informationThe 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 informationrescue 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 informationLOWEST FLOOR GUIDE I. LOWEST FLOOR DETERMINATION
LOWEST FLOOR GUIDE This section is to be used as a guide for identifying the lowest floor for rating buildings being considered for coverage under the National Flood Insurance Program (NFIP). I. LOWEST
More informationUnderstanding 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 information2012 Flood Hazard Prevention By Building and Planning Operations Manager Lou Ann Patellaro
2012 Flood Hazard Prevention By Building and Planning Operations Manager Lou Ann Patellaro In 1968, Congress created the National Flood Insurance Program (NFIP) to provide affordable flood insurance to
More informationINSTRUCTIONS FOR USING THE INDIANA MODEL ORDINANCE FOR FLOOD HAZARD AREAS
INSTRUCTIONS FOR USING THE INDIANA MODEL ORDINANCE FOR FLOOD HAZARD AREAS The Model Ordinance for Flood Hazard Areas is provided to assist your community in developing an ordinance that will comply with
More informationFloodplain Information
Floodplain Information A large percentage of the Ellis community is located in the floodplain of Big Creek. The term floodplain means the low-lying areas on both sides of Big Creek that will be covered
More informationCITY OF NORTHWEST FLOOD DAMAGE PREVENTION ORDINANCE. Non-Coastal Regular Phase
CITY OF NORTHWEST FLOOD DAMAGE PREVENTION ORDINANCE Non-Coastal Regular Phase ARTICLE 1. STATUTORY AUTHORIZATION, FINDINGS OF FACT, PURPOSE AND OBJECTIVES. SECTION A. STTUTORY AUTHORIZATION. Municipal:
More informationHomeowner 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 information2010 FLOOD DAMAGE PREVENTION ORDINANCE TABLE OF CONTENTS
City of Madison, MS 2010 FLOOD DAMAGE PREVENTION ORDINANCE TABLE OF CONTENTS ARTICLE 1. STATUTORY AUTHORIZATION, FINDINGS OF FACT, PURPOSE AND OBJECTIVES Section A. Statutory Authorization 2 Section B.
More information