Title: LOCAL OFFICIALS WORKSHOP 2005
1LOCAL OFFICIALS WORKSHOP 2005
Presented by Southwest Region Planning
Commission
2OVERVIEWI. Introduction/backgroundII. Local
Administration of the Program A. Floodplain
Management Maps Ordinances B. Subdivis
ion and Site Plan Review Regulations
C. Issuing Permits 1. Application
Procedure 2. Special Certifications
III. Map RevisionsIV. Flood InsuranceV. Commun
ity Rating SystemVI. Community Assistance Visit
Salem
3New Hampshires Flood History
Gorham 1927
- Date Area Affected
- 1740 Merrimack
- 1785 Cocheco, baker, Pemigewasset, Contoocook,
Merrimack - 1826 Pemigewasset, Merrimack, Contoocook,
Blackwater, Ashuelot - 1852 Pemigewasset, Winnespaukee, Contoocook,
Blackwater, Ashuelot - 1862 Contoocook, Merrimack, Piscataquot,
Connecticut - 1869 Androscoggin, Pemigewasset, baker,
Contoocook, Merrimack, Piscataquog,
Soughegan, Ammonoosuc, Mascoma,
Connecticut - 1927 Pemigewasset, baker, Merrimack,
Amonoosuc,
Connecticut - 1936 Statewide
- 1938 Statewide
Keene 1936
90 of disasters nationwide result from
flooding.
Jaffrey 1938
4New Hampshires Flood History
- Date Area Affected
- 1942 Merrimack River Basin
- 1943 Upper Connecticut, Diamond, Androscoggin
- 1944 Merrimack River
- 1950 Contoocook River, Nubanusit Brook
- 1953 Lower Androscoggin, Saco, Ossipee, Upper
Ammonoosuc Israel,
Ammonoosuc - 1959 White Mountain Area Saco,
Upper Pemigewasset and Ammonoosuc
Rivers - 1959 Piscataquog - Portsmouth
- 1960 Merrimack and Piscataquot
- 1969 Merrimack River Basin
- 1972 Coastal Area (Declared a
National
Disaster Area) - 1972 Pemigewasset River
- 1973 Ammonoosuc River
5New Hampshires Flood History
- Date Area Affected
- 1976 Connecticut River
- 1977 South-Central and Coastal Areas
- 1978 Coastal Area
- 1986 Statewide (Presidential Disaster
Declaration) - 1987 Androscoggin, Diamond, Saco, Ossipee,
Piscataquog, Pemigewasset, Merrimack,
Contoocook Rivers - 1987 Lamprey River, Beaver Brook (Presidential
Disaster Declaration) - 1990 Statewide (Presidential Disaster
Declaration) - 1991 Statewide (Presidential Disaster
Declaration) - 1995 Northern and Western Regions
- 1996 Northern and Western Regions
- 1998 Central and Southern Regions
- Central and Southwest Regions
Keene 1987
Gorham, 1995
6USEFUL TERMINOLOGY
- Base Flood A flood having a 1 chance of being
equaled or exceeded in any given year also known
as the 100-year flood. (Over a 30-year period
there is a 26 chance of flooding.) - Base Flood Elevation The height above sea level
to which flood water would be expected to rise in
a base, or 100-year flood event. - Development Any man-made change to improved or
unimproved real estate, including but not limited
to buildings or other structures, mining,
dredging, filling, grading, paving, excavation,
drilling, driving of piles, land clearing, and
permanent storage of materials and/or equipment. - Lowest Floor The lowest floor of the lowest
enclosed area of the building (including
basement).
A Zone measured from the top of the floor.
V Zone measured from the bottom of the floor.
7USEFUL TERMINOLOGY
- Regulatory Floodway The channel of a river and
the adjacent land areas that must be reserved in
order to discharge the base flood without
increasing the water surface elevation. - Special Flood Hazard Area An area having flood
or flood-related erosion hazards. Shown on the
maps as A or V Zones.
- Substantial Damage/Improvement
Applies when the cost to
repair a damaged structure or to improve or
reconstruct an existing structure in the flood
hazard area would equal or exceed 50 of the
market value of the structure.
8The NFIP was created by Congress in 1968 to
- reduce loss of life and property caused by
flooding - reduce rising disaster costs caused by flooding
and - make federally-backed flood insurance available
to all property owners in participating
communities.
Plymouth-Holderness 1995
9 FLOODPLAIN MANAGEMENT ORDINANCES
The Ordinance is the principal tool for achieving
the goals of the program, by
New Hampshire Model Floodplain Management
Ordinance For Communities with Special Flood
Hazard Areas Meets the Minimum Requirements of
Section 60.3(c) of the National Flood Insurance
Program Regulations This ordinance, adopted
pursuant to the authority of RSA 67416, shall be
known as the Town (City) of
________________________ Floodplain Management
Ordinance. If the town has a zoning ordinance
insert the following The regulations in this
ordinance shall overlay and supplement the
regulations in the Town (City) of
Zoning Ordinance, and shall be considered
part of the Zoning Ordinance for purposes of
administration and appeals under state law. If
any provision of this ordinance differs or
appears to conflict with any provision of the
Zoning Ordinance or other ordinance or
regulation, the provision imposing the greater
restriction or more stringent standard shall be
controlling.
- requiring that new and substantially-improved or
damaged buildings be elevated or constructed to
resist flood damages - prohibiting new development or substantial
improvements that would increase flood heights in
designated floodways and - guiding future development away from the SFHA.
101) require that new and substantially-improved
or damaged buildings be elevated or constructed
to resist flood damages
Elevation on Fill
Elevation on Piers
Elevated Foundation
112) prohibit new development or substantial
improvements that would increase flood heights in
designated floodways
123) guide future development away from flood
hazard areas.
EXAMPLE The Conway Zoning Ordinance provides
that within the Floodplain Conservation District,
only agricultural and residential accessory uses,
and sealed public water supplies are permitted
some special exception uses are also permitted,
none of which involve residential or commercial
use. In addition, expansions of existing
buildings or septic systems are not permitted,
and under no circumstances shall the flood
elevation in the Regulatory Floodway be allowed
to rise.
13DEVELOPMENT IN THE SFHA
BEFORE
AFTER
14TYPES OF MAPS AND THE ORDINANCES THAT ARE BASED
ON THOSE MAPS
15Designations of Special Flood Hazard Areas
- Zone A No BFEs determined.
- Zone AE, A1-30 BFEs determined.
- Zone AH Flood depths of 1 to 3 feet
BFEs determined. - Zone AO Flood depths of 1 to 3 feet average
depths determined. - Zone V Coastal velocity hazard no BFEs
determined. - Zone VE, V1-30 Coastal velocity hazard
BFEs determined.
16FHBM FLOOD HAZARD BOUNDARY MAP The original
maps. Made in the 1970s and early 1980s. No
flood studies were completed prior to their
development. Intended for interim use. Show
only a Zone A- approximate areas (or unnumbered
A Zones), with no base flood elevations.
17NH Communities With Only Unnumbered A Zones
Newbury M Nottingham M Piermont M Rollinsford M S
alisbury M Sandown L Shelburne M Stewartstown L S
ugar Hill M Sullivan M Sutton M Thornton M Water
ville Valley M Westmoreland M Whitefield M Wilmot
L
- Deerfield L
- Dummer L
- Easton M
- Errol L
- Fitzwilliam L
- Francestown M
- Goshen M
- Hill M
- Jefferson M
- Lee M
- Marlow M
- Mason L
- Middleton L
- Milan M
- Moultonborough L
- New Hampton M
Acworth L Albany L Alstead M Andover M Ashland M A
uburn M Barrington L Belmont L Bethlehem M Brookfi
eld M Brookline M Campton M Carroll M Chester L Da
nbury L Danville L
L Minimally floodprone, but converted from FHBM
to FIRM by letter. M Minimally floodprone, FHBM
maps still have original date.
18FIRM FLOOD INSURANCE RATE MAP (Old Format,
Pre-1986) Developed from Flood Insurance Studies
to replace the FHBMs. Shows the SFHA (100-year
flood zone), the 500-year floodplain, base flood
elevations (if they exist), as well as any
approximate floodplain areas.
19FBFM FLOOD BOUNDARY AND FLOODWAY MAP (Old
Format, Pre-1986) Used to identify the Regulatory
Floodway. Shows the 500-year floodplain, and
approximate floodplain areas. Includes
cross-sectional data from FIS.
20Communities with Floodways Shown on Separate Maps
Created Prior to 1986
Allenstown Amherst Antrim Bartlett Bennington Berl
in Boscawen Canterbury Charlestown Chichester Cla
remont Cornish Croydon
Deering Derry Dover Epping Epsom Exeter Franklin G
ilsum Goffstown Greenfield Greenville Groton
Hancock Hanover Henniker Hillsborough Hinsdale Hol
lis Hooksett Hudson Jackson Laconia Lancaster Litc
hfield Londonderry
Manchester Marlborough Merrimack Milford Newport N
orthfield North Hampton Pelham Pembroke Peterborou
gh Pittsfield Plainfield Plaistow
Rochester Roxbury Rumney Sanbornton Somersworth S
tratford Swanzey Warren Wentworth Wilton Wincheste
r
Not in the Program
21FIRM FLOOD INSURANCE RATE MAP (New Format, Post
1986). These maps show both the 100- and
500-year floodplains, as well as any floodway
that might exist. Base flood elevations are
shown, if they have been determined.
22Communities with Specialized Flood Hazard Areas
Identified NOT In The Program
Harrisville Kensington Landaff Langdon Lempster Lo
udon Lyman Lyndeborough Madbury Madison Monroe Mon
t Vernon
Newington Orange Pittsburg Randolph Richmond Rumne
y Springfield Stoddard Surry Unity Washington
Alexandria Atkinson Candia Chatham Chichester Clar
ksville Croydon Dorchester Eaton Effingham Gilmant
on Grafton
23A Ordinance Requirements
(No Mapping Available)
- A permit is required for all development
(according to NFIP definition) anywhere in town. - Proposed development must be reviewed for
compliance with other state or federal permits. - Proposed building sites must be reasonably safe
from flooding. If the site is flood-prone - measures must be taken to anchor the building
- materials must be used that are resistant to
flood damage - methods of construction must be used that
minimize flood damage and - utilities must be designed or located so as to
prevent water from entering or accumulating. - Subdivision and site plan review proposals must
be reviewed to determine whether they are
reasonably safe from flooding. - Within flood-prone areas new and replacement
water and sewer systems must be designed to
minimize or eliminate the infiltration of
floodwaters and discharges from the system into
floodwaters.
24B Ordinance Requirements
(No BFEs or Floodway Data)
- All of the requirements of an a ordinance must
be met (except for requiring a permit for
development anywhere in town) in addition to - Base flood elevation data for all
development proposals for land greater than
50 lots or 5 acres, whichever is the lesser,
must be provided by applicant. - Available floodway data will be reasonably
utilized as criteria for compliance with
elevation and/or floodproofing requirements. - Adjacent communities and the State NFIP
Coordinator must be notified of any water
course alterations. - Manufactured homes must be elevated and
anchored.
25C Ordinance Requirements
(BFEs, but no Floodway)
All of the requirements of a b ordinance must
be met, in addition to
- The lowest floor of all residential structures
must be elevated to or above the BFE. - Non-residential structures must either be
elevated or floodproofed to at least one foot
above BFE. - The design and construction methods must be
certified by engineer or architect. - Fully enclosed areas below the lowest floor
may only be used for parking, building access,
and storage, and must be designed to
automatically equalize hydrostatic flood forces. - Until a regulatory floodway is designated, no
development in any A Zone can cause an increase
in base flood elevation of more than one foot
anywhere in the town. - Recreational vehicles, if left on a site for
more than 180 consecutive days, or are not
licensed and ready for highway use, must comply
with all requirements for manufactured homes.
26D Ordinance Requirements (BFEs and Floodway)
- All of the requirements of a c ordinance must
be met, in addition to - There may be no encroachment into the
regulatory floodway that would cause any
increase in the base flood elevation.
27E Ordinance Requirements (A Zones with
Elevations and Velocity Zones)
- Must meet all the requirements of a d
ordinance, in addition to - All new construction must be located landward
of the reach of the mean high tide and be at or
above the BFE. - New construction and substantial improvements
can not be elevated on fill, but only on
pilings or columns, which must be anchored. - The space below the lowest floor must be free
of obstructions or constructed with breakaway
walls, open wood latticework, etc.
28Minimum Requirements for Residential Structures
- Must be
- built at or above the BFE.
- adequately anchored to prevent floatation,
collapse, or lateral movement - constructed with materials resistant to flood
damage
29EXAMPLES OF ELEVATING A HOUSE
30(No Transcript)
31Minimum Requirements for Residential Structures
- Must be
- constructed by methods and practices that
minimize flood damages and - constructed with service facilities (utilities)
designed or located so as to prevent flood
damage.
Elevated on Piers/Pilings
Elevated on Fill
32(No Transcript)
33Minimum Requirements for Manufactured Homes
- Must be
- elevated to or above the BFE
- on a permanent foundation and
- adequately anchored to prevent floatation,
collapse, or lateral movement.
34(No Transcript)
35There are different standards for construction in
coastal areas for example, fill may not be used
to elevate a structure only piers or pilings
are acceptable.
36Minimum Requirements for Non-Residential
Structures
Must meet same requirements as residential,
except that instead of being elevated, the
building may be below the BFE, provided that
- the structure is floodproofed to a minimum of
one (1) foot above the BFE - the structural components are capable of
resisting hydrostatic and hydrodynamic loads and
the effects of buoyancy and - that the design and construction methods are
certified by a registered professional engineer
or architect that they meet NFIP-accepted
standards.
37Floodproofing techniques ensure that
38- utilities are protected from flood damage
39Examples of Floodproofing/Flood-Resistant
Materials
40- structural components can resist hydrostatic and
hydrodynamic loads and effects of buoyancy
41 SUBDIVISION SITE PLAN REVIEW REQUIREMENTS
This is the language that needs to appear in any
local Subdivision and Site Plan Review Regulation
1. The Planning Board shall review the proposed
development to assure that all necessary permits
have been received from those governmental
agencies from which approval is required by
Federal or State law. 2. The Planning Board shall
require that all subdivision or site plan
proposals greater than 50 lots or 5 acres,
whichever is the lesser, shall include within
such proposals Base Flood Elevation data (i.e.,
floodplain boundary and 100-year flood
elevation). 3. The Planning Board shall require
the applicant to submit sufficient evidence
(e.g., construction drawings, grading and land
treatment plans) so as to allow a determination
that a. all such proposals are consistent with
the need to minimize flood damage b. all
public utilities and facilities are located and
constructed to minimize or eliminate flood
damage and c. adequate drainage is provided so
as to reduce exposure to flood hazards.
42THE PERMIT PROCESS
Floodplain Development Application Date
                      Location Tax
Map        _      Lot       __   Address
                                          Â
                            ___________ Owner Â
          Address
                         Ph. No.
       Applicant            _______        Addr
ess              ______ Ph. No.
         Contractor              Â
Address                 _____ Ph. No.
 ____ General explanation of proposed
development             Â
           Â
                                                 Â
                                      _          Â
  Â
- Review and Evaluate Development Permit
Applications - Issue/Deny Permits
- Require Elevation Certificate Verifying 1st Floor
Elevation - Maintain Records of Floodplain Development
- Maintain Records of Variances Granted for
Floodplain Development
43- Review and Evaluate Development Permit
Applications
FIRST Determine the location of the subject
property relative to the floodplain - based on
information provided by the applicant. In other
words, LOOK AT THE MAPS, and ask the question
Is this property/structure in the floodplain?
X
FEMA offers an on-line tutorial on reading and
understanding flood maps and studies _at_
www.fema.gov/mit/tsd/ot_firm.htm.
44HOW TO READ THE FEMA MAPS
Key Elements of the Legend
- A-Zone Designations subject to 100-year base
flood. - V Zones Velocity zone, applies only to coastal
areas - Floodway the river channel and adjacent land
- X Zone (B Zone on older maps) subject to
500-year flood - X Zone is all other (the white area) C Zone on
older maps - BFE Line base flood elevation measured in feet
above sea level - Cross Section Line graphical depiction of
stream and floodplain - Reference Mark surveyed bench marks
- River Mile stations along the stream
- Refer to Flood Insurance
Study
Key Elements of the Panel
Type of Map Community Name
Community Number Panel Number Map
Number Effective Date
45Example 1 With BFEs
- Check Map Index for Applicable Panel
- Determine location of the property
46- Use an engineers scale with the map scale to
determine whether the building site is in the
floodplain. - If so, find the nearest BFE and, if applicable,
the Cross Sectional data on the map.
x
475. Use the Flood Insurance Table from the Study
to determine exact BFE for the closest cross
section(s).
x
486. When available, use the Elevation Reference
Marks for specific BFEs.
RM 13
49Example 2 With no BFEs
Methods for Developing BFEs
- Detailed Methods
- QUICK-2
- Computer Models
Textbook resource on A-Zone issues and a tutorial
for learning Quick-2. A disk with the Quick-2
program is included with the publication.
50Simplified Method (Examples)
- If the stream forms a boundary between towns, the
other town may have elevation data. - Check with USACOE, USDA or USGS for any studies
they may have or know of. - If the stream is near a bridge or culvert, the
town or DOT may have elevation data. - If there is a dam on the stream, there may be
elevation data related to it. - If there is a subdivision near the site, the
developer may have submitted base flood data as
part of the subdivision approval. - Use contour elevation extrapolated from a best
fit analysis of the floodplain boundary when
overlayed onto a USGS Quad or other topographic
map. - Use the elevation of the ground at the
intersection of the floodplain boundary and a
line perpendicular to the shoreline that passes
along the ground through the site of the proposed
building. - Use historical records or the flood of record.
- Compare the shaded area of the FIRM with the
contours on a USGS Quad map or any other
topographical map that more accurately represents
the existing land form of the area. Determine
which contour best approximates the boundary of
the shaded area and use that contour and the
elevation as the regulatory flood elevation. - If no flood elevation data are available from the
sources noted above, it is recommended that the
lowest floor be elevated at least 2 feet above
the highest grade adjacent to the building site.
51This example can apply both to AO Zones, where
there also are no BFEs, but instead depth of
shallow flooding, and to Approximate A Zones.
52FLOODPLAIN DEVELOPMENT PERMIT APPLICATION1 Â
Â
FLOODPLAIN DEVELOPMENT APPLICATION
Floodplain Development Permit Application1 Applica
nt _____________________________________________
________________________________________
Address _____________________________________
Telephone ______________________________________ P
roperty Location ______________________________T
ax Map ______________Map
_______________ Property Owner, if different from
applicant ______________________________________
_________________ Address ____________________
__________________Telephone _____________________
_______________ General Explanation of proposed
development ____________________________________
________________ _________________________________
__________________________________________________
____________
FLOODPLAIN DETERMINATION Map Name
________________________ Panel
________________ Effective Date
____________ Indicate in which flood zone the
lot is located by referring to the Flood
Insurance Rate Map (FIRM), the Floodway Boundary
and Floodway Map (FBFM), or the Flood Hazard
Boundary Map (FHBM) B, C, or X structure is
not located in a Special Flood Hazard Area A ___
AE or A1-30 ___ AO ____
AH ____ A99 ____ V Zone
____ V1-30 _____ Market value of existing
structure, if applicable __________________ Est
imated value of improvements or repairs
__________________ The following should
correspond with the Elevation Certificate
submitted with the application Elevation of
first fully-enclosed floor ________ feet. Base
Flood Elevation _________ feet. Is the proposed
development in a Floodway? Yes ___No ___ Note
Development in a floodway is prohibited. Require
applicant to relocate.
1 While most towns have a building permit
system in place, and would not necessarily use a
separate checklist or application form for
floodplain issues, bear in mind that the NFIP
regulations call for a permit for all development
in a floodplain. This form can serve as a useful
reminder of all applicable regulations. If a
separate form is not used, however, the building
permit application should at least ask the
question Is the property and/or structure
located in a floodplain or a floodway?
53DETERMINE WHAT ADDITIONAL INFORMATION MIGHT BE
REQUIRED, FOR EXAMPLE
- ADDITIONAL INFORMATION REQUIRED
- Elevation Certificate (residential) and/or
Floodproofing Certificate (non-residential).
____ - Site Plan showing the location of all existing
and proposed structures, 100-year floodplain
boundary, and floodway boundary, if applicable.
____ - Development plans, drawn to scale, including
where applicable details for anchoring
structures, elevation of lowest floor (including
basement), detail of floodproofing of utilities
located below the first floor, and details of
enclosures below the first floor. ____ - If the subdivision is greater than 50 lots or 5
acres, the applicant must provide the Base Flood
Elevation in the subdivision plans.
____ - Plans showing the extent of watercourse
relocation and/or landform alteration.
____
54SUBSTANTIAL DAMAGE/IMPROVEMENT
- The Basic Rule If the cost to repair or improve
a structure exceeds 50 of the market value prior
to the improvements, it must be brought up to
current NFIP standards.
55Examples of Substantial Repairs Residential
Example 2 - Substantial Addition The entire
structure must be elevated.
Example 1 - Minor Addition Only the addition
must be elevated.
Example 3 -Vertical Addition Elevated only if
substantial.
Example 4 - Minor Addition to Post-FIRM (after
December 31, 1974)
56Examples of Substantial Repairs Non-Residential
Example 1 Only the addition must be either
elevated or floodproofed.
Example 2 The entire structure must be
elevated or floodproofed.
57Methods of Estimating Market Value, Improvement
Costs and/or Damage Value
- Independent appraisals by a professional
appraiser not a Realtor - Itemized cost estimates from licensed contractors
or professional estimators - Estimates from NFIP claims data
- Marshall and Swift (actual cash value)
- For a gross estimate use adjusted tax value
FEMA-213, May 1991
58 ELEVATION CERTIFICATES
- Must be filed with an application to either
construct or substantially improve a building in
the special flood hazard area. - The Elevation Certificate is used to
demonstrate either that - 1) a building will be constructed at or above
the Base Flood Elevation or - 2) an existing building shown in the SFHA is
actually out of it because of the lowest floor
elevation. - The elevation data must be certified by a
professional surveyor, engineer or architect.
59.
60(No Transcript)
61 FLOODPROOFING CERTIFICATES
- Must be filed for non-residential structures
and/or utilities. - Used to demonstrate compliance with FEMA-approved
floodproofing techniques. - Must be completed by a professional engineer or
architect.
62NO-RISE CERTIFICATION
NO-RISE CERTIFICATION This is to certify that
I am a duly qualified registered professional
engineer licensed to practice in the State of New
Hampshire. It is further to certify that the
attached technical data supports the fact that
proposed (Name of Development) will not impact
the 100-year flood elevations, floodway
elevations, or floodway widths on (Name of
Stream) at published sections in the Flood
Insurance Study for (Name of Community) dated
_______________ and will not impact the 100-year
flood elevations, floodway elevations, or
floodway widths at unpublished cross-sections in
the vicinity of the proposed development. Attached
are the following documents that support my
findings _______________________________ ________
_______________________ Date____________________
Signature________________________ Title_______
_____________________ SEAL
- The No-Rise Certification is used to document
that proposed development in the floodway does
not affect flood elevations. - Must be certified by a professional engineer.
- NOTE
- This is not a FEMA form, but one developed by a
state agency to facilitate the review process.
63V-ZONE CERTIFICATION
- Used for construction in coastal areas.
- Is used for either residential or non-residential
development. - Used to demonstrate compliance with FEMA-approved
design and construction techniques specific to V
Zones. - Must be completed by a professional engineer or
architect.
64MAP REVISIONS
- FOUR WAYS TO CHANGE A FEMA MAP
- 1. A Restudy is a new Flood Insurance Study
for some or all of the community. - 2. A Limited Map Maintenance Project is a
small-scale restudy, frequently used for studies
in unnumbered A Zones. - 3. An Amendment is used to remove a structure
or an area from the SFHA that is higher than the
flood elevation, or that is shown to be outside
the SFHA. - LOMA Letter of Map Amendment
- LOMR-F Letter of Map Revision based on Fill
- CLOMA CLOMR-F are conditional letters of
change for proposed projects. -
- 4. A Revision is an actual change to the
boundaries of the floodplain based on changes on
the ground (such as fill), bridges, culverts, or
new data. - NOTE Amendments and Revisions are the
responsibility of the property owners.
Restudies and LMMPs are the responsibility of
the community and FEMA.
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69CURRENT FEE SCHEDULE (as of September 1, 2002)
- Single Lot, Single Structure Map Change
Fee - Single lot, single structure LOMA
Free - Single lot, single structure CLOMA and
CLOMR-F
500 - Single lot, single structure LOMR-F 425
- Single lot, single structure LOMR-F based on
as-built information (CLOMR-F previously
issued by FEMA 325
- Multiple Lot, Multiple Structure Fee
- Multi-lot, multi-structure LOMA Free
- CLOMA 700
- CLOMR-F and LOMR-F 800
- LOMR-F based on as-built information (CLOMR-F
previously issued by FEMA 700
- Map Changes Requiring Special Technical
Review Fee - CLOMR based on new hydrology, bridge, culvert,
channel or combination thereof 4,000 - CLOMR based on levee, berm, or other structural
measures 4,500 - LOMR/PMR based on bridge, culvert, channel or
combination 4,200 - LOMR/PMR based on levee, berm, or other
structural measures 6,000 - LOMR based on as-built information (CLOMR
previously issued by FEMA) 3,800 - LOMR/PRM based solely on submission of more
detailed data Free - LOMR/CLOMR based on structural measure on
alluvial fans 5,000 50
per hour
70FLOOD INSURANCE
- Mandatory for loans from federally-supported
lenders for new construction or substantial
repairs/improvements in the SFHA. - Applies to loans that are made, increased,
renewed or extended. - Covers only buildings and contents - limits on
both. - For towns that participate in the NFIP, insurance
is federally-subsidized. -
- In participating towns, anyone can purchase this
insurance, whether in the SFHA or not. - In towns that do not participate, insurance is
available from private insurers (e.g. Lloyds of
London), and is very costly. - Community Rating System provides an opportunity
for homeowners to receive reduced premiums.
71FLOOD INSURANCE REQUIREMENTS FOR TYPICAL
RESIDENTIAL SITINGS IN THE SFHA
4. Structure located in SFHA, not elevated
Insurance always required. 5. Structure located
in SFHA (a) Elevated on fill - insurance
required, but buyer can request LOMA. (b)
Elevated by piers, posts, pilings - insurance
always required.
1. Property in the SFHA but structure is not
Insurance not required. 2. Structure in SFHA
but elevated on natural grade too small to be
shown on map Lender will require insurance,
but buyer can request a LOMA. Insurance may be
refunded. 3. Structure partially in the SFHA
Insurance required.
72EXAMPLES OF FLOOD INSURANCE PREMIUMS BASED ON
BFES
1.
4.
Pre-FIRM Rate 595
Variance allowed Rate 1,140
5.
2.
Elevated to BFE Rate 315
Substantially damaged
3.
6.
Repaired as Was Rate 3,090
Elevated to 2 above BFE Rate 216
73A Note About Disaster Assistance Why
have flood insurance? If there is a disaster,
the federal government will provide assistance.
- Federal Disaster Assistance is available only if
the disaster is Presidentially declared. (Fewer
than 50 of them are.) - Certain types of Federal Disaster Assistance will
soon be available only in those communities that
have an approved Hazard Mitigation Plan. - Some types of Disaster Assistance are only
available to communities that participate in the
NFIP. - What is available is in the form of low-interest
loans and grants to very low income residents.
Flood insurance pays even if there is no
Presidentially-declared Disaster.
74Cost of Sustaining a Flood Loss
- With Flood Insurance
- 50,000 Covered Loss
- -1,000 Ins. Deductible
- 49,000 Claim Payment
- - 400 Annual Premium
- 48,420 Net Benefit
- 400 Cost Per Year
Without Flood Insurance 50,000 Uncovered
Loss 50,000 SBA Disaster Loan _at_ 4 interest/20
yrs 311 Month Loan Payment X 12 months
3,732 400 Insurance Premium 4,132 Cost Per
Year
75NH INSURANCE STATISTICS (as of 2001)
Policies Total Policies in force
4,890 Occupancy Type Single-Family
3,325 2-4 Family 440 Other Residential
598 Non-residential 522 Policies in
A Zones 3,177 Policies in V Zones
39 Policies in B, C, and X Zones 1,656 Special
Policies Preferred Risk 724 Residential
Condo 562
Loss Statistics Total Paid Losses
23 Total Claims Payments 189,463 Average Claim
Payment 8,238 Occupancy Type Single
Family 18 2-4 Family
3 Non-residential 2 Claims in A
Zones 17 Claims in V Zones
1 Claims in B, C, and X Zones 5
Factoid Only 17 of all 19,605 structures in
the SFHA carry flood insurance.
76COMMUNITY RATING SYSTEM
- Implemented in 1990 to encourage floodplain
management activities that exceed the minimum
standards. - Flood insurance rates for properties in the SFHA
are adjusted to reflect the reduced flood risk
resulting from implementation of the CRS
activities. - Points are earned for various activities, putting
a community into a Class based on points earned.
Credit Points Class Insurance Reduction 2,000
- 2,499 6 20 1,500 - 1,999 7 15 1,000 -
1,499 8 10 500 - 999 9 5 0 - 499 10 0
Credit Points Class Insurance Reduction 4,500
1 45 4,000 - 4,499 2 40 3,500
- 3,999 3 35 3,000 - 3,499 4
30 2,500 - 2,999 5 25
77CRS Eligible Activities
- Public Information (300)
- Credits for programs that advise people about
flood hazards, flood insurance, and ways to
reduce flood damage. - Mapping and Regulations (400)
- Credits for programs that provide increased
protection to new development, including mapping
areas not shown on the FIRM. - Flood Damage Reduction (500)
- Credits for comprehensive floodplain management
plans, relocating or retrofitting floodprone
structures, and maintaining drainage systems. - Flood Preparedness (600)
- Credits for flood warning, levee safety, and dam
safety programs.
78THE COMMUNITY ASSISTANCE VISIT
Im here to see your SFHA Permit files,
Elevation Certificates, and copies of any
variances.
FEMA
79THE COMMUNITY ASSISTANCE VISIT (CAV)
- A scheduled visit to a participating community
for the purpose of - (1) reviewing with the local officials their
floodplain management program - (2) assessing the communitys knowledge and
understanding of the NFIP and - (3) to offer assistance in implementing flood
loss measures or other aspects of administering
the Program. - Conducted by staff from the Office of State
Planning, the Bureau of Emergency Management, the
Regional Planning Commissions, and/or FEMA staff.
- Every community should be visited on a five-year
rotating basis. - At the visit, the staff person will tour the
floodplain, review any building permits granted
for development in the floodplain - including
elevation certificates, and any variances that
may have been granted for development in the
floodplain.
80REFERENCES/RESOURCES
- Federal Emergency Management Agency
www.fema.gov - Fact Sheets
- Technical Bulletins
- On-Line Flood Maps and Flood Insurance Studies
- Tutorial How to Read a FEMA Map
- Tutorial The New Elevation Certificate
- Frequently Asked Questions
- Forms
- NH Bureau of Emergency Management
www.nhoem.state.nh.us - Sample resolutions, ordinances, permits
- Digital FIRMs
- Links to relevant sites
- Association of State Floodplain Managers
www.floods.org - Independent training for Building Inspectors
Managing Floodplain Development through the - National Flood Insurance Program
- New England Floodplain and Stormwater Managers
Association
www.nefsma.org
81Remember this key question
- Is the property/structure under discussion in
the floodplain?
82Questions???