NFIP Overview Elevation Certificate Flood Insurance Rate Maps. By: Maureen O Shea, AICP, CFM State NFIP Coordinator

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1 NFIP Overview Elevation Certificate Flood Insurance Rate Maps By: Maureen O Shea, AICP, CFM State NFIP Coordinator

2 Example of a flood failure

3 Example of a flood failure

4 Purposes of the NFIP Identify & map flood hazard areas Provide a framework for floodplain management regulations Make flood insurance available in Communities that participate in the NFIP

5 NFIP Background Prior to the creation of the NFIP in 1968: Flood insurance coverage was not available No national flood mapping program No Federal minimum standards for floodplain management Escalating costs to taxpayers for flood disaster relief

6 NFIP Goals Reduce loss of life & loss of property Reduce rising disaster relief costs & taxpayer-funded disaster costs Increase mitigation (flood resistant construction, guide future development, & prohibit development in floodplains that would increase flood levels) Restore & protect natural resources & functions of floodplains Make Federally backed insurance coverage available to property owners

7 Community Participation in the NFIP To join NFIP, communities must submit: Resolution of intent to maintain in force adequate land use & control measures & to cooperate with FEMA Their adopted floodplain management regulations (often are referenced within zoning ordinances, building codes, subdivision ordinances, sanitary ordinances, or floodplain ordinances)

8 Role of NFIP Participating Community Issues (or denies) floodplain development permits Inspects all development to ensure compliance with local ordinances & 44CFR 60.3 Maintains records of floodplain development Helps residents obtain information on flood hazards, floodplain map data, flood insurance, & proper construction measures

9 Floodplain Development Permit 44CFR 60.3 (a)(1)require permits for all proposed construction or other development in the community, including the placement of manufactured homes, so that it may determine whether such construction or other development is proposed within flood-prone areas; (b)(1) Require permits for all proposed construction and other developments including the placement of manufactured homes

10 NFIP Regulations Communities must adopt & enforce ordinances that meet or exceed NFIP criteria Title 44 of the Code of Federal Regulations Sections 59.1, 60.3, 60.6, etc. NFIP criteria ensures that new buildings will be protected from flood levels shown on their Flood Insurance Rate Maps (FIRMs)

11 Definition: Flood A general and temporary condition of partial or complete inundation of normally dry land areas from: Overflow of inland or tidal waters or Unusual or rapid accumulation or runoff of surface waters from any source Mudslides (i.e., mudflows) which are proximately caused by flooding & are akin to a river of liquid and flowing mud on the surfaces of normally dry land areas, as when earth is carried by a current of water and deposited along the path of the current.

12 Flood Zone Designations Zone A AE Flood Insurance required by the lender There s a 26% chance of flooding during a 30 year mortgage. Areas with a 1% annual chance of flooding Because detailed analyses are not performed for such areas; no depths or base flood elevations are shown within these zones. The base floodplain where base flood elevations are provided. AE Zones are now used on new format FIRMs instead of A1 A30 Zones A1-30 These are known as numbered A Zones (e.g., A7 or A14). This is the base floodplain where the FIRM shows a BFE (old format). AH AO Areas with a 1% annual chance of shallow flooding, usually in the form of a pond, with an average depth ranging from 1 to 3 feet. River or stream flood hazard areas, and areas with a 1% or greater chance of shallow flooding each year, usually in the form of sheet flow, with an average depth ranging from 1 to 3 feet.

13 Flood Zone Designations Zone B or X Shaded C or X D Flood Insurance available but not required Area of moderate flood hazard (500 year flood) Area of minimal flood hazard, usually depicted on FIRMs as above the 500 year flood level, may have ponding and local drainage problems that don't warrant a detailed study or designation as base floodplain. Areas with possible but undetermined flood hazards. No flood hazard analysis has been conducted. Flood insurance rates are commensurate with the uncertainty of the flood risk.

14 Elevation Certificate (EC)

15 Elevation Certificate Form Verify Regulatory compliance Flood Insurance Policy Rating Support of applications for map revisions & amendments NOTE: Data collected on this form is for the construction & utility service to a single STRUCTURE only not the lot or other improvements.

16 Elevation Certificates (ECs) May be on file in the community (City or County) where the property is located FEMA does not have copies of Elevation Certificates IDWR/State of Idaho does not have copies of Elevation Certificates Elevation Certificates are required to be kept in perpetuity by the community Structures built prior to the community joining the NFIP (Pre-FIRM) rarely have an EC

17 Community s EC Review Community Officials must review EC s before accepting them. This ensures: Completeness Reasonableness/Accuracy Compliance If a problem is found, return to the professional for correction. Structure will be in violation until proper Finished Construction Elevation Certificate is provided.

18 Sections A1-A3 Complete all items, except For Insurance Company Use. A1. Building Owner s(s ) Name(s) A2. Building Address address of building location. A3. The address is a rural route, enter the lot & block numbers, the tax parcel number, the legal description.

19 Sections B1-B9 B8. Enter the Flood Zone(s) related to the structure. B9. Enter the Base Flood Elevation (BFE) for the structure to the nearest tenth of a foot.

20 Section C

21 Section C2.a-d If any item does not apply to the building, enter N/A for not applicable.

22 Lowest Floor in any A ZONE The lowest floor is measured at the top of the sub-floor, slab or grade for regulatory & flood insurance purposes C2b A8 C2a EC References to BOTTOM Floor

23 Section C2.e The elevation(s) for machinery & equipment are required in order to rate the building for flood insurance. Local officials are required to ensure that all machinery & equipment servicing the building are protected from flooding, including ductwork, be documented on the Elevation Certificate.

24 ELEVATED WATER HEATER

25 Photographs At least 2 color photographs, 3 x 3

26 Quick EC Review Form completed by a ID Surveyor/ID Engineer ID Surveyor/ID Engineer is providing data points Community Officials & Flood Insurance Agents must determine compliance details Color photos (2 minimum), & must show the foundation with representative examples of the flood openings or vents

27 Flood Determinations

28 Flood Determinations Are done by the NFIP participating Community An NFIP community is an ID City, or ID County A Flood Determination may have a fee The determination details the: address, parcel number, other identifying facts, describes the site improvements (house, pool, detached garage, barn, etc.), indicates Flood Zone, Base Flood Elevation, FIRM panel & date of panel

29 NFIP Resources Flood Insurance Rate Maps dad9b783d442d6c820b Flood Insurance

30 Older Map versus Digital Map

31 Digital FIRM Panel

32 FEMA Map Service Center

33 1471 W Shoreline Dr, Boise, ID

34 FEMA Map Service Center

35 FEMA Map Service Center

36 FEMA Map Service Center

37 FEMA Map Service Center

38 FEMA Map Service Center IDAHO ADA COUNTY

39 FEMA Map Service Center

40 FEMA Map Service Center

41 FEMA Map Service Center

42 FEMA Map Service Center

43 FEMA Map Service Center 0276J

44 FEMA Map Service Center

45 FEMA Map Service Center 0276J

46 LOMCs

47 LOMCs

48 LOMCs Letter of Map Change (LOMC) is a general term used to refer to the several types of revisions & amendments to FEMA maps that can be accomplished by letter. They include: Letter of Map Amendment (LOMA), Letter of Map Revision (LOMR), & Letter of Map Revision based on Fill (LOMR-F).

49 LOMAs A Letter of Map Amendment (LOMA) is an official amendment, by letter, to an effective NFIP map. A LOMA establishes a property s location in relation to the Special Flood Hazard Area (SFHA). LOMAs are usually issued because a property has been inadvertently mapped as being in the floodplain, but is actually on natural high ground above the base flood elevation.

50 LOMRs A Letter of Map Revision (LOMR) is FEMA's modification to an effective FIRM, or Flood Boundary and Floodway Map (FBFM), or both. LOMRs are generally based on the implementation of physical measures that affect the hydrologic or hydraulic characteristics of a flooding source & thus result in the modification of the existing regulatory floodway, the effective BFEs, or the SFHA. The LOMR officially revises the FIRM or FBFM, & sometimes the Flood Insurance Study (FIS) report, & when appropriate, includes a description of the modifications. The LOMR is generally accompanied by an annotated copy of the affected portions of the FIRM, FBFM, or FIS report

51 LOMR-Fs A Letter of Map Revision Based on Fill (LOMR-F) is FEMA's modification of the Special Flood Hazard Area (SFHA) shown on the Flood Insurance Rate Map (FIRM) based on the placement of fill in the floodplain, but outside the existing regulatory floodway.

52 LOMCs (LOMA, LOMR-F, etc.)

53 LOMCs Because a LOMA officially amends the effective NFIP map, it is a public record that the community must maintain. All LOMCs should be noted on the community's master flood map & filed by panel number (or address) in an accessible location.

54 IDWR

55 IDWR

56 IDWR

57 IDWR

58 FEMA Idaho Effective Flood Maps

59 FEMA Idaho Effective Flood Maps

60 FEMA Idaho Effective Flood Maps

61 NFIP Insurance The NFIP offers the following maximum limits for most flood insurance policies: Building coverage can typically insure residential building's structural elements up to $250,000, or non-residential building at up to $500,000. Replacement coverage may be available for single-family, primary residences.

62 NFIP Building Property coverage Insured building & its foundation. Electrical & plumbing systems. Central air-conditioning equipment, furnaces, & water heaters. Refrigerators, cooking stoves, & built-in appliances (dishwashers). Permanently installed carpeting over an unfinished floor. Permanently installed paneling, wallboard, bookcases, & cabinets. Window blinds. Detached garages (up to 10% of Building Property coverage); detached buildings (other than garages) require a separate Building Property policy. Debris removal.

63 NFIP - Personal Property coverage Contents coverage must be purchased separately Personal belongings (clothing, furniture, & electronics) Curtains. Portable & window air conditioners. Portable microwave ovens & portable dishwashers. Carpets not included in building coverage. Clothes washers & dryers. Food freezers & the food in them. Certain valuable items such as original artwork & furs (up to $2,500).

64 NFIP What is NOT insured Damage caused by moisture, mildew, or mold that could have been avoided by the property owner. Currency, precious metals, & valuable papers (stock certificates). Property & belongings outside of a building (trees, plants, wells, septic systems, walks, decks, patios, fences, seawalls, hot tubs, & swimming pools). Living expenses such as temporary housing. Financial losses caused by business interruption or loss of use of insured property. Most self-propelled vehicles such as cars, including their parts.

65 NFIP Idaho Claims in 2017 Total claims January 1 to July 31: 199 Total dollars paid: $1,751, Largest claim value: $130, Claims still active/open: 54 Average Claim payment: $12,081.77

66 NFIP ID Claims 1978 to 7/31/2017 Total number of claims since 1978: 959 Total dollars paid: $7,408, Average claim value: $7,725.14

67 Hurricane Irene, Aurora, NC

68 Hurricane Irene, Aurora, NC

69 Not insurable by the NFIP

70 Protecting a home from flood in ID

71 Protecting a home from flood in ID

72 Questions? Thank You!