DAUPHIN COUNTY REPETITIVE LOSS AREA ANALYSIS DRAFT

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2 DAUPHIN COUNTY REPETITIVE LOSS AREA ANALYSIS DRAFT MAY 16, 2018 Prepared for: Dauphin County Department of Community and Economic Development 112 Market Street 7 th Floor Harrisburg, PA Prepared by: 2400 Park Drive, Suite I, Harrisburg, PA Tel: Fax: Tetra Tech Project #103S3538 i

3 CONTENTS Part 1 Planning Process and Project Background Introduction... 1 Repetitive Loss Properties and the Community Rating System... 1 Dauphin County Repetitive Loss Area Analysis... 1 Numbering and Nomenclature... 2 Repetitive Loss Area Analysis Methodology... 6 Basic Requirements... 6 Reverse Damage Function Methodology (Initial Identification)... 6 Rationale for Alternative Approach... 6 Description of Selected Approach... 7 Secondary Identification... 8 Property Condition Assessment... 9 Foundation Type... 9 Repetitive Loss Areas Outreach CRS Outreach Requirements for RLAA Repetitive Loss Area Specific Outreach Contact with Agencies and Organizations Relevant Programs and Regulations Federal National Flood Insurance Program Community Rating System Disaster Mitigation Act of Endangered Species Act The Clean Water Act National Incident Management System Americans with Disabilities Act State Pennsylvania Flood Plain Management Act Pennsylvania Construction Code Act ii

4 Storm Water Management Act Pennsylvania Municipalities Planning Code Act Pennsylvania 2013 Standard State All-Hazard Mitigation Plan Local Dauphin County Comprehensive Plan Dauphin County Emergency Operations Plan Dauphin County Emergency Management Agency Municipal Emergency Management Programs Stormwater and Floodplain Management Building and Fire Codes Capability Assessment Repetitive Loss Properties Mitigation Alternatives Considered Preventive Property Protection Acquisition Home Elevation Dry Floodproofing Wet Floodproofing Direct Drainage Away from the Building Drainage Maintenance Sewer Improvements Temporary Barriers Natural Resource Protection Emergency Services Structural Projects Public Information City of Harrisburg Repetitive Loss Area Problem Statement Identified Repetitive Loss Properties Properties Included in Repetitive Loss Area iii

5 Borough of Highspire Repetitive Loss Area Problem Statement Identified Repetitive Loss Properties Properties Included in Repetitive Loss Area Lower Paxton Township Repetitive Loss Area Problem Statement Identified Repetitive Loss Property Properties Included in Lower Paxton Township Repetitive Loss Area Lower Paxton Township Repetitive Loss Area Problem Statement Identified Repetitive Loss Property Properties Included in Repetitive Loss Area Middle Paxton Township Repetitive Loss Area Problem Statement Identified Repetitive Loss Properties Properties Included in Repetitive Loss Area Middle Paxton Township Repetitive Loss Area Problem Statement Identified Repetitive Loss Properties Properties Included in Repetitive Loss Area Middle Paxton Township Repetitive Loss Area Problem Statement Identified Repetitive Loss Property Property Included in Repetitive Loss Area Millersburg Borough Repetitive Loss Area Problem Statement Identified Repetitive Loss Properties Properties Included in Repetitive Loss Area Millersburg Borough Repetitive Loss Area Problem Statement Identified Repetitive Loss Property iv

6 Properties Included in Repetitive Loss Area Paxtang Borough Repetitive Loss Area Problem Statement Identified Repetitive Loss Properties Properties Included in Repetitive Loss Area Royalton Borough Repetitive Loss Area Problem Statement Identified Repetitive Loss Properties Properties Included in Repetitive Loss Area Steelton Borough Repetitive Loss Area Problem Statement Identified Repetitive Loss Properties Properties Included in Repetitive Loss Area Susquehanna Township Repetitive Loss Area Problem Statement Identified Repetitive Loss Properties Properties Included in Repetitive Loss Area Upper Paxton Township Repetitive Loss Area Problem Statement Identified Repetitive Loss Properties Properties Included in Repetitive Loss Area Repetitive Loss Area Action Plan Mitigation Actions Benefit/Cost Analysis Action Plan Prioritization Annual Evaluation Report Plan Adoption References... R-1 Appendices Appendix A. Generic Depth-Damage Relationships for Residential Structures v

7 List of Tables No. Title Page No. Table 1. Naming and Numbering of Dauphin County Repetitive Loss Properties and Areas... 3 Table 2. NFIP Participation Table 3. Planning Capabilities Table 4. Repetitive Loss Properties in the City of Harrisburg Repetitive Loss Area Table 5. All Properties in the City of Harrisburg Repetitive Loss Area Table 6. Repetitive Loss Properties in the Borough of Highspire Repetitive Loss Area Table 7. All Properties in the Borough of Highspire Repetitive Loss Area Table 8. Repetitive Loss Property in Lower Paxton Township Repetitive Loss Area Table 9. Property in Lower Paxton Township Repetitive Loss Area Table 10. Repetitive Loss Property in Lower Paxton Township Repetitive Loss Area Table 11. All Properties in Lower Paxton Township Repetitive Loss Area Table 12. Repetitive Loss Properties in Middle Paxton Township Repetitive Loss Area Table 13. All Properties in Middle Paxton Township Repetitive Loss Area Table 14. Repetitive Loss Property in Middle Paxton Township Repetitive Loss Area Table 15. All Properties in Middle Paxton Township Repetitive Loss Area Table 16. Repetitive Loss Property in Middle Paxton Township Repetitive Loss Area Table 17. Property in Middle Paxton Township Repetitive Loss Area Table 18. All Properties in Millersburg Borough Repetitive Loss Area Table 19. Repetitive Loss Property in Millersburg Borough Repetitive Loss Area Table 20. All Properties in Millersburg Borough Repetitive Loss Area Table 21. Repetitive Loss Properties in the Paxtang Borough Repetitive Loss Area Table 22. All Properties in the Paxtang Borough Repetitive Loss Area Table 23. Repetitive Loss Properties in the Royalton Borough Repetitive Loss Area Table 24. All Properties in the Royalton Borough Repetitive Loss Area Table 25. Repetitive Loss Properties in the Steelton Borough Repetitive Loss Area Table 26. All Properties in the Steelton Borough Repetitive Loss Area Table 27. Repetitive Loss Properties in the Susquehanna Township Repetitive Loss Area Table 28. All Properties in the Susquehanna Township Repetitive Loss Area Table 29. Repetitive Loss Properties in the Upper Paxton Township Repetitive Loss Area Table 30. All Properties in the Upper Paxton Township Repetitive Loss Area vi

8 Table 31. Action Plan Flood Mitigation Initiatives Table 32. Prioritization of Mitigation Initiatives LIST OF FIGURES No. Title Page No. Figure 1. Foundation Types Crawlspace (left), Basement (center), and Slab (right) Figure 2. Initial RLA Target Mailing Figure 3. Second RLA Target Mailing Figure 4. Example AW Figure 5. Dry Floodproofing Example Figure 6. Wet Floodproofing Example Figure 7. Sewer Backflow Valve Installation Example Figure 8. City of Harrisburg Repetitive Loss Area Figure 9. Borough of Highspire Repetitive Loss Area Figure 10. Lower Paxton Township Repetitive Loss Area Figure 11. Lower Paxton Township Repetitive Loss Area Figure 12. Middle Paxton Township Repetitive Loss Area Figure 13. Middle Paxton Township Repetitive Loss Area Figure 14. Middle Paxton Township Repetitive Loss Area Figure 15. Millersburg Borough Repetitive Loss Area Figure 16. Millersburg Borough Repetitive Loss Area Figure 17. Paxtang Borough Repetitive Loss Area Figure 18. Royalton Borough Repetitive Loss Area Figure 19. Steelton Borough Repetitive Loss Area Figure 20. Susquehanna Township Repetitive Loss Area Figure 21. Upper Paxton Township Repetitive Loss Area vii

9 Part 1 Planning Process and Project Background

10 Introduction Repetitive Loss Properties and the Community Rating System The Federal Emergency Management Agency (FEMA) defines a repetitive loss property as a property for which two or more National Flood Insurance Program (NFIP) losses of at least $1,000 each have been paid within any 10-year rolling period since 1978 (FEMA 2017). About a quarter of all claims paid under the NFIP nationwide between 1978 and 2011 were for repetitive loss properties, even though such properties make up fewer than 2 percent of all NFIP insurance policies (NFIP/CRS 2011). Federal programs such as the Community Rating System (CRS) encourage communities to identify and mitigate the causes of repetitive losses. The first step is to map repetitive loss areas, which are defined as contiguous areas that include one or more properties on FEMA s list of repetitive loss properties and all nearby properties with exposure to the same or similar flooding conditions. FEMA considers listed repetitive loss properties to be indicative of an overall repetitive loss problem that may affect other nearby properties. Designation of repetitive loss areas around listed repetitive loss properties allows an evaluation of actual or potential flooding problems at properties that may not have flood insurance or may have had only a single previous claim. This ensures that all properties with the same exposure to a flood risk are addressed equally. The CRS provides for reduced flood insurance premiums in communities that carry out various flood mitigation activities. The CRS program requires that participating communities with repetitive loss properties take the following steps: Category B communities (1-49 repetitive loss properties) Prepare a map of repetitive loss areas. Review and describe each area s repetitive loss problem. Prepare a list of the addresses of all properties in the repetitive loss areas with insurable buildings. Undertake an annual outreach project to those addresses. Category C communities (50 or more repetitive loss properties): All of the activities listed under Category B communities above. Prepare and adopt a repetitive loss area analysis for all repetitive loss areas, or prepare and adopt a floodplain management plan that includes full credit for planning Step 5(c). Dauphin County Repetitive Loss Area Analysis Dauphin County had 342 FEMA-designated repetitive loss properties in the municipalities participating in this Repetitive Loss Area Analysis (RLAA), as of FEMA s report on December 31, These properties have been mapped into 14 repetitive loss areas, and an analysis has been conducted for each area. FEMA prescribes the following five-step process for conducting an area analysis: Step 1 Advise all the property owners in the repetitive flood loss area that the analysis will be conducted. Step 2 Contact agencies or organizations that may have plans that could affect the cause or impacts of the flooding. 1

11 Step 3 Collect data on the analysis area and each building in it to determine the causes of the repetitive damage. Step 4 Review alternative mitigation approaches and determine whether any property protection measures or drainage improvements are feasible. Step 5 Document the findings in a report. This RLAA report documents the five-step area-analysis process performed for participating municipalities within Dauphin County as required by the CRS program for Category C communities. As required under Step 5, it provides the following information: A summary of the process Problem statements with maps for each area A table of basic information about each building in the area A description of alternative approaches considered to address the problem A set of recommended action items to address the problem Individual properties and structures are counted and described in this document, but specific address information is withheld in accordance with the federal Privacy Act of A separate document on file with Dauphin County for internal use only correlates the property ID numbers presented here with specific address information. Numbering and Nomenclature Based on geographic distribution, repetitive loss areas were defined that include one or more repetitive loss properties. Areas were designated with the municipal abbreviation and a number. Table 1 summarizes the numbering and naming used in this analysis. In designating federally recognized repetitive loss properties, FEMA assigns a seven-digit repetitive loss number (RL #) to each property, using a nationally defined numbering system. The table identifies the repetitive loss properties in each repetitive loss area by this number. 2

12 Table 1. Naming and Numbering of Dauphin County Repetitive Loss Properties and Areas Repetitive Loss Area Name RL Designation FEMA RL # Harrisburg City HBG

13 Repetitive Loss Area Name RL Designation FEMA RL # Highspire Borough HSP Lower Paxton Township RLA 1 Lower Paxton Township RLA 2 Middle Paxton Township RLA 1 Middle Paxton Township RLA 2 Middle Paxton Township RLA 3 LPT LPT MPT MPT MPT

14 Repetitive Loss Area Name RL Designation FEMA RL # Millersburg Borough RLA 1 MLB01 None Millersburg Borough MLB RLA 2 Paxtang Borough PAX Royalton Borough ROY Steelton Borough STL Susquehanna Township SUS Upper Paxton Township UPT

15 Repetitive Loss Area Analysis Methodology Basic Requirements The two key sets of requirements to be met for a RLAA are described below: Repetitive loss area mapping requirements contained in Section 503 of the CRS Coordinator s Manual and in the supplemental publication, Mapping Repetitive Loss Areas (NFIP/CRS 2015). Building data collection requirements contained in Section 512.b of the CRS Coordinator s Manual (FEMA 2017): Visit each building in the repetitive loss area and collect basic data. Collect data during the site visit that are sufficient to make a preliminary determination of the cause of the repetitive flooding and of mitigation measures that would be appropriate to address the problem. This usually includes a review of drainage patterns around the building, the condition of the structure, and the condition and type of foundation. The person conducting the visit should not have to enter the property adequate information should be collected from observations from the street. Floor elevations or historical flood levels are not required, but can be helpful if available. The date of each building s insurance claim can help identify the cause of flooding (e.g., rainfall or overbank flooding). The amount of the claim can help determine the amount of damage. Every year, each repetitive loss community is provided with a list of its historical insurance claims, which can also include single-claim properties. Non-repetitiveloss communities that elect to do an RLAA may request these data from the CRS program. This step may be done using the limited data view of the National Flood Mitigation Data Collection Tool. More information on building data can be found in Selecting Appropriate Mitigation Measures for Floodprone Structures (FEMA 2007). Reverse Damage Function Methodology (Initial Identification) Rationale for Alternative Approach For the Dauphin County RLAA, building data collection requirements were met using an alternative to the approach outlined in the CRS Coordinator s Manual. The RLAA planning team selected the alternative approach a reverse damage function methodology for initial identification of repetitive loss areas for the following reasons: Due to the large number of identified repetitive loss properties within the County, as well as corresponding additional properties within the identified repetitive loss areas, it was not feasible to follow an approach that involved physically visiting every property identified to determine the potential cause of flooding. 6

16 All identified repetitive loss properties were located within a FEMA identified 100-year or 500- year floodplain within Dauphin County. This made it easy to recreate flood-depth grids from data contained within the Flood Insurance Study for Dauphin County. The quality of the data available from the Dauphin County Assessor was sufficient to support a Level 2, user-defined protocol for FEMA s Hazards U.S. Multi-Hazard (Hazus-MH) flood module, which was used to apply the reverse damage function methodology described in this section. The County Assessor data provided key building attributes to model flood risk, such as date of construction, foundation type, occupancy class, square footage, and permit history. The detailed model data allowed the use of the selected alternative approach. Description of Selected Approach The reverse damage function methodology uses known values of damage from a flood event, based on filed claims, to estimate the floodwater depth for that event. The following protocol was followed: Each repetitive loss property from the FEMA data set was mapped via Geographic Information System (GIS) to look for possible groupings based on proximity. The GIS mapping was based on the light detection and ranging (LiDAR)-generated digital elevation model. This digital elevation model has a 2-foot resolution. The average loss for each repetitive loss (RL) property was determined by taking the average of all claims for that property. Replacement cost for each structure was calculated by applying the size and construction class for each repetitive loss property to the construction-cost-per-square-foot tables in 2015 BNi Home Builder s Costbook (Building News International 2015). The percent damage X was calculated as: X = Z Y where: X is the percent damage (to be determined). Y is the replacement cost of the structure (based on assessor information). Z is the estimated loss (based on the flood insurance claim). Once the percent damage was determined, the corresponding flood depth was determined by looking at the U.S. Army Corps of Engineers (USACE) 2003 Generic Depth-Damage Relationships for Residential Structures (see Appendix A). These are the same damage functions contained in FEMA s Hazus-MH and Benefit-Cost Analysis platforms. They represent projected flood depths above the top of the finished floor. The determined flood depth was applied to the repetitive loss structure. Using the foundation type from assessor s data, the depth was added to the top of the finished floor. For a structure with a slab foundation, the top of the finished floor was set at 8 inches above adjacent grade. For a structure with a crawlspace foundation, the finished floor was set at 24 inches above adjacent grade. For structures with basements, the flood depth was set above the grade level of the digital elevation model (DEM). These parameters are based on standard building practices. 7

17 Once the depth was applied to the finished floor, it was extended across the digital elevation model until it ran to zero depth (high ground) and a boundary was delineated. These boundaries were projected north, south, east, and west for each property. In areas with multiple repetitive loss properties, the property with the highest depth above finished floor was used for this analysis. The boundary for each repetitive loss area was intersected with an ortho-photo and parcel boundary map. Each parcel with a structure within the delineated boundary was determined to be a property potentially subjected to repetitive flooding and was added to a repetitive loss list for Dauphin County. The historical claims database provided by FEMA Region III to the County was used to identify properties that had filed single flood insurance claims in each delineated area. Property condition assessments were made using the Google Street View application. Utilizing the methodology described above, 14 repetitive loss areas were delineated. Maps and descriptions of the causes of flooding for each area can be found in the sections below. The final step was to determine the cause of flooding, giving consideration to the fact that 1,910 of the 1,913 properties (99.8 percent) in the repetitive loss areas are within the FEMA-designated 1-percent and 0.2-percent annual chance floodplains. The remaining 3 properties are along a section of a stream in Lower Paxton Township for which there is no identified flood zone, though there are mapped flood zones immediately upstream and downstream of the repetitive loss area. The planning team therefore concluded that the majority of the repetitive losses are associated with riverine flooding from the Susquehanna River, Paxton Creek, Wiconisco Creek, Stony Creek, Fishing Creek, Spring Creek, and/or Swatara Creek. Secondary Identification Once the initial identification of the repetitive loss areas was completed using the reverse-damagefunction methodology, the planning team performed a secondary review of each repetitive loss area based on three questions about each area: Is there really a repetitive loss problem in this area, based on local knowledge? Does the list of properties make sense based on what we know about the area? Does Dauphin County (or municipalities) have any additional qualifying data on the area to justify adding or removing properties? Adjustments were made after applying these questions to each repetitive loss area. The initial identification for the RLAA indicated 1,951 properties in repetitive loss areas, with 2,795 insurable structures. No changes were made by municipal representatives. This became the final repetitive loss area mailing list for the participating municipalities in Dauphin County. 8

18 Property Condition Assessment A subjective assessment for each property in the repetitive loss areas was assigned by the planning team using assessor s data and visual confirmation based on Google Street View where possible. Three categories of property conditions were defined: Good (optional minor repair) Only cosmetic repairs are needed. Fair (needs minor repair) The following characteristics are observed: Minor shrinkage cracks due to thermal expansion and contraction Signs of rust on iron or steel members Signs of corrosion of rebar Poor (needs significant repair) The following types of damage are observed: Bowed brick veneer wall or parapet walls Leaning of wall Wall cracking due to excessive settlement Building settlement Large cracking around sills, eaves, chimneys, parapets, and iron or steel lintels Differential settlement of chimney Fungal and insect attack of wood Exposed rebar in concrete walls due to corrosion Fire damage Foundation Type Buildings in Dauphin County generally have one of the following three types of foundations (shown in Figure 1): A crawlspace, or raised foundation, is built above the ground, with just enough room to crawl underneath. There are stem walls on the perimeters, pierced in-between, with a girder system and floor joists on top of that. The foundation is high enough to leave at least 2 feet below to crawl into for access to the home s mechanical systems. The home contains a basement. Basement walls are made of concrete or stone block that support the structure above. Throughout the County, some basements are below ground on all sides, while some have a walkout side. Slab foundation is usually concrete poured directly onto the ground. This type of foundation uses concrete rather than wood to help support the weight of the home. 9

19 Figure 1. Foundation Types Crawlspace (left), Basement (center), and Slab (right)

20 Repetitive Loss Areas Outreach CRS Outreach Requirements for RLAA As described in Section 512.b of the National Flood Insurance Program Community Rating System Coordinator s Manual (FEMA 2017), RLAA Step 1 requires notification to all properties in the repetitive loss areas that an analysis is being conducted, with a request for input on the hazard and recommended actions. The notice (or any public document) must not identify which properties are on FEMA s repetitive loss list. There are no restrictions on publicizing what properties are in repetitive loss areas that have more than one property and there are no restrictions on publishing aggregate data, such as how many properties received claims or the average value of those claims. Planning staff may share insurance claim information with the owner of a property but may not make it available to anyone else. The notice can be sent to owners OR residents, at the community s discretion, as long as a representative of each property is notified. The notice cannot be done via a newspaper or newsletter notice or article. The notice must advise the recipients when and how copies of the draft report can be obtained and ask for their comments on the draft. RLAA Step 2 requires contact with agencies or organizations that may have plans or studies that could affect the cause or impacts of the flooding. The analysis report must identify contacted agencies and organizations (FEMA 2017). Repetitive Loss Area Specific Outreach In April and May 2017, the Dauphin County Department of Community and Economic Development sent a letter to each property in a repetitive loss area (RLA). This letter advised recipients that their properties are inside a designated RLA, and requested information about how the flood hazard affects their properties and any ideas they have for alleviating the flood risk. The letter directed recipients to contact their municipality s floodplain administrator to provide feedback. The letter also informed recipients when the report was expected to be completed, and how they can request a copy and provide feedback on the report. Upon the completion of a draft of this report, the Dauphin County Department of Community and Economic Development sent a second letter to residents in each repetitive loss area informing them of the availability of the report, where and how they would be able to review it, and where and how they might submit comments regarding their feedback. Copies of the two letters are shown in Figure 2 and Figure 3. The City of Harrisburg s letters are shown as a representation of all letters that were sent. Letters were customized to each municipality. 11

21 Figure 2. Initial RLA Target Mailing 12

22 Figure 3. Second RLA Target Mailing 13

23 Contact with Agencies and Organizations The following agencies were contacted to request any plans, studies, or other documents that could affect the cause or impacts of flooding in Dauphin County: FEMA Region III U.S. Army Corps of Engineers (USACE) Baltimore District Pennsylvania Department of Community and Economic Development (PA DCED) (State NFIP Coordinator) Pennsylvania Department of Environmental Protection (PADEP) Pennsylvania Emergency Management Agency (PEMA) (State Hazard Mitigation Officer) Dauphin County Department of Public Safety Tri-County Regional Planning Commission 14

24 Relevant Programs and Regulations This section provides a comprehensive review of existing laws, ordinances, and plans at the federal, state, and local level that can support or impact action items identified in this RLAA. Federal, state, and local agencies share and coordinate responsibilities for flood protection in Dauphin County. The two main federal agencies are USACE, which implements federal flood protection policies, and FEMA. The Pennsylvania Department of Environmental Protection (PADEP) is responsible for managing the state s waterways. The Dauphin County Department of Community and Economic Development and Department of Public Safety, and the individual municipalities, work to reduce flood risk in Dauphin County. Development of the RLAA included the review and incorporation (if appropriate) of existing plans, studies, reports, and technical information as part of the planning process. Pertinent federal, state, and local laws are described below. Federal National Flood Insurance Program The NFIP makes federally backed flood insurance available to homeowners, renters, and business owners in participating communities that enact floodplain regulations. For most participating communities, FEMA has prepared a detailed Flood Insurance Study. The study presents water surface elevations for floods of various magnitudes, including the 1-percent annual chance flood (called the 100-year flood or base flood) and the 0.2-percent annual chance flood (the 500-year flood). Base flood elevations and the boundaries of the 100- and 500-year floodplains are shown on Flood Insurance Rate Maps (FIRM), which are the principal tool for identifying the extent and location of the flood hazard. FIRMs are the most detailed and consistent data source available, and for many communities they represent the minimum area of oversight under their floodplain management program. Participants in the NFIP must, at a minimum, regulate development in floodplain areas in accordance with NFIP criteria. Before issuing a permit to build in a flood-prone area, participating jurisdictions must, at a minimum, ensure that the project meets the following criteria (Title 44 Code of Federal Regulations [CFR] Part 60 Section 60.3): Designed (or modified) and adequately anchored to prevent flotation, collapse, or lateral movement of the structure resulting from hydrodynamic and hydrostatic loads, including the effects of buoyancy. Constructed with materials resistant to flood damage Constructed by methods and practices that minimize flood damage Constructed with electrical, heating, ventilation, plumbing, and air conditioning equipment and other service facilities that are designed or located so as to prevent water from entering or accumulating within the components during conditions of flooding Additional criteria apply depending on the availability of information about the flood hazard. All of the municipalities in Dauphin County that participated in this RLAA also participate in the NFIP, and have adopted regulations that meet the NFIP requirements. Table 2 shows the dates that the participating municipalities initial FIRMs were issued. Structures permitted or built before then are called pre-firm structures, and structures built afterwards are called post-firm. The insurance rate is different for the 15

25 two types of structures. The effective date for the current FIRMs are shown in Table 2. All of the participating municipalities are currently in good standing with the provisions of the NFIP. Table 2. NFIP Participation Municipality Initial FIRM Date Current FIRM Date City of Harrisburg 5/2/1977 8/2/2012 Highspire Borough 4/15/1977 8/2/2012 Lower Paxton Township 4/15/1981 8/2/2012 Middle Paxton Township 8/15/1979 8/2/2012 Millersburg Borough 8/15/1980 8/2/2012 Paxtang Borough 3/18/1980 8/2/2012 Royalton Borough 4/15/1977 8/2/2012 Steelton Borough 4/15/1977 8/2/2012 Susquehanna Township 4/15/1977 8/2/2012 Upper Paxton Township 9/5/1979 8/2/2012 Community Rating System The CRS is a voluntary program within the NFIP that encourages floodplain management activities that exceed the minimum NFIP requirements. Flood insurance premiums are discounted to reflect the reduced flood risk resulting from community actions to meet the CRS goals of reducing flood losses, facilitating accurate insurance rating and promoting awareness of flood insurance. For participating communities, flood insurance premium rates are discounted in increments of 5 percent. For example, a Class 9 community would receive a 5 percent premium discount, a Class 8 community would receive a 10 percent premium discount, and so on, until reaching a 45 percent premium discount for a Class 1 community. (Class 10 communities are those that do not participate in the CRS; they receive no discount.) The CRS classes for local communities are based on 18 creditable activities in the following categories: Public information Mapping and regulations Flood damage reduction Warning and response CRS activities can help to save lives and reduce property damage. Communities participating in the CRS represent a significant portion of the nation s flood risk; over 66 percent of the NFIP s policy base is located in these communities. Communities receiving premium discounts through the CRS range from small to large and represent a broad mixture of flood risks, including both coastal and riverine flood risks. The City of Harrisburg has participated in the CRS program since Harrisburg has a Class 7 rating (out of 10); therefore, citizens who live in a 100-year floodplain in the City can receive a 15-percent discount on their flood insurance. Residents outside the 100-year floodplain can receive a 5-percent discount. To maintain or improve its rating, the City of Harrisburg goes through recertification (annually) and reverification (every 5 years). 16

26 Disaster Mitigation Act of 2000 The federal Disaster Mitigation Act (DMA) of 2000 (42 U.S.C. 5121) provides the legal basis for FEMA mitigation planning requirements for state, local, and tribal governments as a condition of mitigation grant assistance. The DMA replaced previous federal mitigation planning provisions with new requirements that emphasize the need for planning entities to coordinate mitigation planning and implementation efforts. DMA established a new requirement for local mitigation plans and authorized up to 7 percent of Hazard Mitigation Grant Program (HMGP) funds to be available for development of state, local, and tribal mitigation plans. Endangered Species Act The federal Endangered Species Act (ESA) was enacted in 1973 to conserve species facing depletion or extinction and the ecosystems that support them. The act sets forth a process for determining which species are threatened and endangered and requires the conservation of the critical habitat in which those species live. The ESA provides broad protection for species of fish, wildlife, and plants that are listed as threatened or endangered. Provisions are made for listing species, as well as for recovery plans and the designation of critical habitat for listed species. The ESA outlines procedures for federal agencies to follow when taking actions that may jeopardize listed species and contains exceptions and exemptions, and is the enabling legislation for the Convention on International Trade in Endangered Species of Wild Fauna and Flora (the Convention). Criminal and civil penalties are provided for violations of the ESA and the Convention. In some parts of the country, court rulings have found that floodplain management measures can conflict with the goals of the endangered species act. Those rulings have required FEMA and local governments to engage in a consultation process with federal wildlife agencies (Section 7 of the ESA) as they work to develop certain floodplain management programs, plans, and. Floodplain managers should be aware of any potential activities that could fall under the ESA. The Clean Water Act The federal Clean Water Act (CWA) employs regulatory and non-regulatory tools to reduce direct pollutant discharges into waterways, finance municipal wastewater treatment facilities, and manage polluted runoff. These tools are employed to achieve the broader goal of restoring and maintaining the chemical, physical, and biological integrity of the nation s surface waters so that they can support the protection and propagation of fish, shellfish, and wildlife and recreation in and on the water (33 U.S.C et seq.). Evolution of CWA programs over the last decade has included a shift from a program-by-program, sourceby-source, pollutant-by-pollutant approach, to more holistic watershed-based strategies. Under the watershed approach, equal emphasis is placed on protecting healthy waters and restoring impaired ones. A full array of issues are addressed, not just those subject to CWA regulatory authority. Involvement of stakeholder groups in the development and implementation of strategies for achieving and maintaining water quality and other environmental goals is a hallmark of this approach. National Incident Management System The National Incident Management System (NIMS) is a systematic approach for government, nongovernmental organizations, and the private sector to work together to manage incidents involving floods 17

27 and other hazards. NIMS provides a flexible but standardized set of incident management practices. Incidents typically begin and end locally, and are managed at the lowest possible geographical, organizational, and jurisdictional level. In other instances, success depends on the involvement of multiple jurisdictions, levels of government, functional agencies, and emergency-responder disciplines. These instances necessitate coordination across this spectrum of organizations. Communities using NIMS follow a comprehensive national approach that improves the effectiveness of emergency management and response personnel across the full spectrum of potential hazards (including natural hazards, terrorist activities, and other human-caused disasters) regardless of size or complexity. Americans with Disabilities Act The Americans with Disabilities Act (ADA) seeks to prevent discrimination against people with disabilities in employment, transportation, public accommodation, communications, and government activities. The most recent amendments became effective in January 2009 (Americans with Disabilities Act of 1990). Title II of the ADA deals with compliance with the Act in emergency management and disaster-related programs, services, and activities. It applies to state and local governments as well as third parties, including religious entities and private non-profit organizations. ADA has implications for sheltering requirements and public notifications during an emergency event. During an emergency alert, officials must use a combination of warning methods to ensure that all residents have any necessary information. Those with hearing impairments may not hear radio, television, sirens, or other audible alerts, while those with visual impairments may not see flashing lights or visual alerts. Two stand-alone technical documents have been issued for shelter operators to meet the needs of people with disabilities. These documents address physical accessibility as well as medical needs and service animals. The ADA also intersects with disaster preparedness programs in regards to transportation, social services, temporary housing, and rebuilding. Persons with disabilities may require additional assistance in evacuation and transit (e.g., vehicles with wheelchair lifts or paratransit buses). Evacuation and other response plans should address the unique needs of residents. Local governments may be interested in implementing a special-needs registry to identify the home addresses, contact information, and needs for residents who may require more assistance. State The information in the below State section was taken directly from the Pennsylvania 2013 Standard State All-Hazard Mitigation Plan (PEMA 2013). Pennsylvania Flood Plain Management Act The Pennsylvania Flood Plain Management Act (Act 166) is a state law requiring compliance with the NFIP. Act 166 regulates major improvements in floodplains by requiring municipalities to enact floodplain management regulations that meet the minimum standards of the NFIP and also provide funding to implement the NFIP. PA DCED has model floodplain ordinance language available for municipalities to adopt at their discretion. 18

28 Pennsylvania Construction Code Act The Pennsylvania Construction Code Act (Act 45) of 1999 (as amended) establishes the basic requirements for the Uniform Construction Code, which applies to the construction, alteration, repair, demolition, or change of occupancy of buildings. Utilization of the Uniform Construction Code (UCC) provides for the protection of life, health, property, and the environment on a daily basis as well as during disasters by establishing construction standards. The UCC was last updated in Across the Commonwealth, 2,409 or 94 percent of municipalities have opted to enforce the UCC locally. Only 153 or 6 percent of municipalities have opted not to enforce the UCC. In these opt-out municipalities, UCC enforcement is authorized to either the Pennsylvania Department of Labor & Industry (L&I) or to a third-party agency. Therefore, all of Pennsylvania is protected by the guidelines set forth in the UCC, with the majority of municipalities administering compliance locally (L&I 2013). Storm Water Management Act The Storm Water Management Act (Act 167) was enacted in 1978 to counter the effects of land development on storm water runoff. Act 167 requires all counties in Pennsylvania to prepare and adopt watershed-based storm water management plans and requires municipalities to adopt and implement ordinances to regulate development in a way that is consistent with the local Act 167 plan. Pennsylvania Municipalities Planning Code Act Per the Pennsylvania Municipalities Planning Code Act, P.L. 805, No. 247 (Act 247) of 1968, as reenacted and amended, boroughs, townships, cities, and counties have the authority to individually or jointly prepare zoning, subdivision, land development, and other ordinances, as well as official zoning maps, all of which can be used as tools to guide growth and minimize development in hazard prone areas. Act 247 also requires counties to create and adopt a comprehensive plan and encourages municipalities to adopt municipal or joint municipal comprehensive plans generally consistent with the county comprehensive plan. Pennsylvania 2013 Standard State All-Hazard Mitigation Plan Under the DMA, Pennsylvania must adopt a federally approved state multi-hazard mitigation plan in order to be eligible for certain disaster assistance and mitigation funding. The intent of the Pennsylvania 2013 Standard State All-Hazard Mitigation Plan is to reduce or prevent injury and damage from hazards in the state through the following: Identifying hazards present in the Commonwealth. Determining the areas impacted by identified hazards that affect the lives and property of Pennsylvania citizens. Assessing what has been and should be done to reduce or eliminate the impact of identified hazards on Pennsylvania citizens. Developing and implementing a hazard mitigation action plan to make Pennsylvania citizens safer in the future. Qualifying for pre-disaster and post-disaster grant funding. Complying with state and federal legislative requirements related to state hazard mitigation planning. 19

29 Demonstrating a firm commitment to hazard mitigation principles. Improving community resiliency following a disaster event. (PEMA 2013) The plan identifies past and present mitigation activities, current policies and programs, and mitigation strategies for the future. It also establishes hazard mitigation goals and objectives. The plan will be reviewed and updated annually to reflect changing conditions and new information, especially information on local planning activities. Local Dauphin County Comprehensive Plan The Dauphin County Comprehensive Plan Growing Together (TCRPC 2017) sets the overall vision for Dauphin County. It sets the direction and identifies goals for the County s initiatives, focusing on community development, environmental protection/enhancement, and economic development. Dauphin County Emergency Operations Plan The Dauphin County Emergency Operations Plan (EOP) provides the basis for coordinated response to large-scale emergency situations in the County, whether natural, man-made, or technological. The EOP focuses on potentially catastrophic disasters that require more than normal response measures. It reviews capabilities in prevention, protection, response, recovery, and mitigation. Dauphin County Emergency Management Agency The Dauphin County Emergency Management Agency (DEMA), within the Dauphin County Department of Public Safety, coordinates county-wide emergency management services. DEMA operates the County s 911 Emergency Communications Center; coordinates the Dauphin County Local Emergency Planning Committee (LEPC), coordinates the Dauphin County Hazardous Materials Response Team, and coordinates training for the County's emergency responders (Dauphin County 2016). Municipal Emergency Management Programs Each municipality has a designated local emergency management coordinator (EMC) who possesses a specific knowledge of the impact hazard events have on their community. The Emergency Management Services Code (PA Title 35) requires all Pennsylvania municipalities to have a Local Emergency Operations Plan (EOP) that is updated every 2 years. Municipalities have been increasingly combining efforts to share emergency management functions. Sixteen municipalities share emergency management functions. This leverages limited resources particularly in rural areas of the County. These municipalities include the following municipalities that are participating in this RLAA: Dauphin Borough (not participating in the RLAA) and Middle Paxton Township Millersburg Borough and Upper Paxton Township (Dauphin County 2016) 20

30 Stormwater and Floodplain Management Dauphin County 2015 Hazard Mitigation Plan Update states that, The Pennsylvania Storm Water Management Act (Act of October 4, 1978, P.L. 864 No. 167), commonly referred to as Act 167, requires Pennsylvania counties to prepare and adopt stormwater management plans. It also requires municipalities to amend or adopt stormwater management ordinances consistent with the plan. Dauphin County Conservation District (DCCD) worked with municipalities, the County, and stakeholders to develop the most recent Dauphin County Act 167 Stormwater Management Plan, which was adopted in 2010 and includes a model stormwater management ordinance for municipal use. DCCD worked with municipalities to adopt the stormwater management plan and ordinance and to date and all of the County s municipalities have done so. (Dauphin County 2016). Building and Fire Codes Building codes regulate standards for new construction and substantially renovated buildings. Standards can be adopted that require resistant or resilient building design practices to address hazard impacts common to a given community. Enforcement of Pennsylvania s statewide building code, generally known as the Uniform Construction Code (UCC), began in The UCC establishes minimum regulations for most new construction, including additions and renovations to existing structures. Current UCC Regulations took effect on December 31, 2012 and include the 2009 International Codes issued by the International Code Council (ICC) and Chapter 11 and Appendix E of the 2012 International Building Code with exceptions identified by L&I (PA Department of Labor & Industry 2014). Over 90 percent of Pennsylvania's municipalities administer and enforce the UCC locally (known as Opt-ins), using their own employees or a certified third party agencies (private code enforcement agencies) they have retained. Opt-outs are those municipalities that have handed over UCC enforcement authority to either the Department of Labor & Industry (L&I) (for non-residential buildings and structures) or certified third-party agencies (hired by a property owner for residential code enforcement). All of the municipalities participating in this RLAA are opt-in municipalities (PA Department of Labor & Industry, May 2015). (Dauphin County 2016). Capability Assessment During the 2015 Dauphin County HMP update, the planning team performed an inventory and analysis of existing authorities and capabilities called a capability assessment. A capability assessment creates an inventory of an agency s mission, programs and policies, and evaluates its capacity to carry them out. The capabilities of the participating municipalities to mitigate their flood risk is detailed in the Dauphin County 2015 Hazard Mitigation Plan (Dauphin County 2016). Table 3 identifies the participating municipalities that have enacted and/or currently enforce a local comprehensive plan, building code, floodplain management regulations, subdivision regulations, or zoning regulations (Dauphin County 2016). Table 3. Planning Capabilities Municipality Comprehensive Plan Building Code Floodplain Management Regulations Subdivision Regulations Zoning Regulations City of Harrisburg 1974*

31 Floodplain Management Regulations Comprehensive Building Subdivision Municipality Plan Code Regulations Highspire Borough Lower Paxton Township Middle Paxton Township Zoning Regulations Millersburg Borough County -- Paxtang Borough Royalton Borough Steelton Borough Susquehanna Township Upper Paxton Township *Currently updating Repetitive Loss Properties As part of their application and cycle verification obligations, CRS-participating communities must review their lists of repetitive-loss properties for general accuracy and correct addresses; to determine whether the properties are actually in the community s corporate limits; and to determine whether the insured buildings have been removed, retrofitted, or otherwise protected from the cause of the repetitive flooding. The result of this review is recorded on a Repetitive Loss Update Worksheet (AW-501), shown in Figure 4. A community with repetitive losses must sign the Repetitive Loss List Community Certification, certifying that each address has been checked. If there are updates, the submittal must include corrected Repetitive Loss Update Worksheets (AW-501) with any required supporting documentation. The community must note the following situations in which the form should be updated: 1. The property is not located in the community s jurisdiction. If the community in which the property belongs can be determined, the property will be reassigned to the correct community. If a property is not in the community, the property will not be reassigned unless the community in which the property does belong can be definitely identified. 2. There was an error in the repetitive loss database, such as a duplicate listing or an incorrect address. 3. The property has subsequently been protected from the types of events that caused the losses. Buildings that have been acquired, relocated, retrofitted, or otherwise protected from the types of frequent floods that caused the past damage are not counted in determining the community s CRS requirements. 4. The property is protected from damage by the base flood shown on the current FIRMs. For example, the community may demonstrate that the building is elevated or flood-proofed 22

32 above the base flood elevation but was flooded by a higher level. If the property is outside the Special Flood Hazard Area, the community may show that all of the repetitive losses were caused by events with recurrence intervals of over 100 years (e.g., two 200-year storms). For corrections made under situations 3 or 4 above, all future AW-501s issued for the community will be segregated into two categories; mitigated and unmitigated. Dauphin County is using the ISO repetitive loss list and AW-501s (dated December 31, 2015) as the basis for this Repetitive Loss Area Analysis. According to FEMA, Dauphin County had 480 repetitive loss properties, 342 of which are in the municipalities participating in this RLAA. 23

33 Figure 4. Example AW

34 Mitigation Alternatives Considered Although this RLAA report presents separate analyses for each identified repetitive loss area in the participating municipalities of Dauphin County, the list of potential measures to address repetitive flooding problems was the same for each area. This section summarizes the alternatives that were identified for consideration. These alternatives can be implemented by the County, individual municipalities, the homeowner, or other entities. The selection of suitable alternatives for each at-risk property in the repetitive loss areas is described in the sections presenting individual repetitive loss area analyses. Many types of flood hazard mitigation exist, and there is not one mitigation measure that fits every case or even most cases. Successful mitigation often requires multiple strategies. The CRS Coordinator s Manual (FEMA 2017) breaks the primary types of mitigation down as follows: Preventive activities keep flood problems from getting worse. The use and development of flood-prone areas is limited through planning, land acquisition, or regulation. They are usually administered by building, zoning, planning, and/or code enforcement offices. Property protection activities are usually undertaken by property owners on a building-bybuilding or parcel basis. Natural resource protection activities preserve or restore natural areas or the natural functions of floodplain and watershed areas. They are implemented by a variety of agencies, primarily parks, recreation, or conservation agencies or organizations. Emergency services are measures taken during an emergency to minimize its impact. These measures are usually the responsibility of city or county emergency management staff and the owners or operators of major or critical facilities. Structural keep floodwaters away from an area with a levee, reservoir, or other flood control measure. They are usually designed by engineers and managed or maintained by public works staff. Public information activities advise property owners, potential property owners, and visitors about hazards and ways to protect people and property from them, as well as the natural and beneficial functions of local floodplains. They are usually implemented by a public information office. Preventive Dauphin County s municipalities regulate residential and commercial development through their building code, planning and zoning requirements, stormwater management regulations, and floodplain management ordinances. 25

35 Property Protection Property protection measures are generally performed by property owners or their agents. FEMA has published numerous manuals that help a property owner determine which property protection measures are appropriate for particular situations, such as the guidance listed below: FEMA 54, Elevated Residential Structures Book FEMA 84, Answers to Questions about the NFIP FEMA 85, Protecting Manufactured Homes from Floods and Other Hazards FEMA 102, Floodproofing for Non-Residential Structures FEMA 259, Engineering Principles and Practices of Retrofitting Floodprone Residential Structures FEMA 268, Protecting Floodplain Resources: A Guidebook for Communities FEMA 312, Homeowner s Guide to Retrofitting: Six Ways to Protect Your House from Flooding FEMA 347, Above the Flood: Elevating Your Floodprone House FEMA 348, Protecting Building Utilities from Flood Damage FEMA 511, Reducing Damage from Localized Flooding: A Guide for Communities FEMA 551, Selecting Appropriate Mitigation Measures for Floodprone Structures The manuals listed above are available for review at FEMA s website at For a complete guide to retrofitting homes for flood protection, see FEMA P-312, Homeowner s Guide to Retrofitting 3rd Edition (FEMA 2014). The primary methods of property protection in Dauphin County are: Demolition/relocation Elevation (structure or damage prone components such as furnace or air-conditioning unit) Dry flood-proof (so water cannot get in) Wet flood-proof portions of the building (so water will not cause damage) Direct drainage away from the building Drainage maintenance Sewer Improvements Acquisition One of the most effective approaches to preventing further flood damage to a building is acquisition and relocation or clearing of the structure. The property would then serve as open space or recreation area. Property owners retain the right to select this as a mitigation method. They may sell their property to a government agency or an agency dedicated to the preservation and management of local open space. The property owner can also relocate the building to another property. Alternatively, the building can be moved to another area of the same property, if that area is outside the flood hazard. The property owner can also take advantage of federal funding for such mitigation. 26

36 Home Elevation Sometimes dry or wet flood-proofing measures are not enough and greater measures must be taken. For example, if the floodwaters are too high for dry floodproofing and the inhabited area is too low for wet floodproofing, it may be necessary to raise the structure. Whenever the floor of a home is below the 100- year flood elevation, physically elevating the structure is often recommended as one of the most effective means to prevent flood damage. Financial assistance may be available for floodproofing. Of the participating municipalities in Dauphin County, all but Lower Paxton Township and Steelton Borough require a freeboard factor of 1.5 feet above the base flood elevation. Those two municipalities do not require freeboard. No basements are allowed in new construction within the special flood hazard area. Dry Floodproofing Dry floodproofing consists of completely sealing around the exterior of the building so that water cannot enter the building (Figure 5). Dry floodproofing is not a good option for areas where floodwater is deep or flows quickly. The hydrostatic pressure and/or hydrodynamic force can structurally damage the building by causing the walls to collapse or causing the entire structure to float. However, in areas that have minimal velocity and low depth, dry floodproofing can be a good option. Figure 5. Dry Floodproofing Example Source: FEMA P-312, June 30, 2014 Many flood hazards can be mitigated with various forms of dry floodproofing. Properties that do not have adequate protection of their low opening (window or basement door) can effectively raise the low opening height with a window well or a flood gate. The ultimate height of the low opening depends on several factors, such as the level of flood protection desired, the appearance, and cost. The flood protection elevation could be set 1 foot higher than the existing low opening elevation, or it could be set 27

37 to match the elevation of the lowest opening into a home that cannot be raised. This might be the elevation of the threshold of a door, for example. NFIP only allows dry floodproofing for residential retrofits that are not classified as a substantial improvement. A substantial improvement is defined as any reconstruction, rehabilitation, addition, or other improvement of a structure, the cost of which equals or exceeds 50 percent of the market value of the structure before the start of construction of the improvement. Wet Floodproofing Wet floodproofing consists of modifying uninhabited portions of a home, such as a crawlspace, garage, or unfinished basement with flood-damage resistant materials, to allow floodwaters to enter the structure without causing damage (Figure 6). Wet floodproofing requires portions of the building to be cleared of valuable items and mechanical utilities. A key component of wet floodproofing is providing openings large enough for the water to flow through the structure such that the elevation of the water in the structure is equal to the elevation of the water outside of the structure. This equilibrium of floodwater prevents hydrostatic pressure from damaging structural walls. Direct Drainage Away from the Building In some cases, a property owner can take flood-proofing steps on site such as directing shallow floodwater away from a flood-prone structure. Shallow flooding can often be kept away from a structure if some simple improvements are made to the yard. Sometimes structures are built at the bottom of a hill or in a natural drainage way or storage area, so that water naturally flows toward them. One solution is to regrade the yard. If water flows toward the building; a new swale or wall can direct the flow to the street or a drainage way. Filling and grading next to the building can also direct shallow flooding away. Although water may remain in the yard temporarily, it is kept away from the structure. When these types of drainage modifications are made, care must be taken not to adversely affect the drainage patterns of adjacent properties. Over time, the swales along the lot lines or in the back yard may get filled in. Property owners build fences, garages, sheds, swimming pools, and other obstructions up to the lot line. These drainage problems can be fixed by removing the obstructions and restoring the swales so they will carry water away from the building. Drainage Maintenance Dumping into the drainage system may be a code violation. Debris can accumulate and restrict the flow of stormwater, increasing the potential of localized flooding. To report flood problems or illegal dumping to the drainage system, residents can contact their municipal offices or PADEP. Sewer Improvements Heavy rains can saturate the soil and infiltrate the sanitary sewer system through leaky joints or cracks in the pipes. The inflow of stormwater floods the sanitary sewer system causing water to back-up into the home through lower level plumbing fixtures. This occurrence can be prevented by installing a sewer backflow preventer (Figure 7). A backflow preventer will allow the sanitary sewer water to flow freely from the home to the sewer, but restrict the reverse flow. Backflow preventers do require maintenance and can fail if debris in the sewer prevents the valve seating properly. An overhead sewer system pumps wastewater from basement level plumbing fixtures up to an elevation near the ground level, where it can 28

38 drain by gravity into the sewer service line. This higher sewer makes it unlikely that water will back-up into the building. Figure 6. Wet Floodproofing Example Source: FEMA P-312, June 30,

39 Figure 7. Sewer Backflow Valve Installation Example Source: FEMA P-312, June 30, 2014 Temporary Barriers Several types of temporary barriers are available to address typical flooding problems. They work to direct drainage away from structures with the same principles as permanent barriers such as floodwalls or levees, but can be removed, stored, and reused in subsequent flood events. Natural Resource Protection Care should be taken to maintain the streams, wetlands, and other natural resources within a floodplain or repetitive loss area. Removing debris from streams and channels prevents obstructions. Preserving and restoring natural areas provides flood protection, preserves water quality, and provides natural habitat. Emergency Services Advance identification of an impending storm is only the first part of an effective Flood Warning and Response Plan. To truly realize the benefit of an early flood warning system, the warning must be disseminated quickly to occupants within a floodplain, repetitive loss areas, and critical facilities. Appropriate response activities must then be implemented, such as road closures, directing evacuations, sandbagging, and moving building contents above flood levels. Finally, a community should take measures 30

40 to protect public health and safety and facilitate recovery. These measures may include cleaning up debris and garbage; clearing streets; and ensuring that that citizens have shelter, food, and safe drinking water. Structural Projects Structural keep floodwaters away from an area with a levee, reservoir, or other flood control measure. They are usually designed by engineers and managed or maintained by public works staff. The municipal departments of public works develop and implement capital, some with the assistance of the Dauphin County Department of Community and Economic Development. The Dauphin County HMP includes an objective to investigate structural solutions to address natural and man-made hazards (Dauphin County 2016). Public Information One of the most important and often overlooked aspects of mitigation is public awareness. Awareness starts with recognition of the flood risk. FIRM panels, which designate areas of a community according to various levels of flood risk, can be viewed at Also, real estate transactions require disclosure of known flood hazards. The next level of awareness is related to hazard mitigation measures. Often homeowners can greatly reduce their risks with mitigation efforts if they are aware of the risks. For that reason, as part of this analysis, every resident in the repetitive loss areas has been contacted and informed of the opportunity to review this Report. In addition, the participating municipalities will send out an annual outreach letter to every resident in each repetitive loss area. 31

41 Part 2 Analysis of Individual Repetitive Loss Areas

42 City of Harrisburg Repetitive Loss Area Problem Statement Figure 8 shows the City of Harrisburg Repetitive Loss Area, which is coterminous with the 1-percent annual chance floodplains of the Susquehanna River and Paxton Creek. The area includes the Shipoke neighborhood, located along the Susquehanna River just north of Interstate 83. Shipoke is a low point along the Susquehanna River, and is the first area of the City of Harrisburg to be flooded during major flood events. Identified Repetitive Loss Properties Table 4 lists the FEMA-designated repetitive loss properties within this repetitive loss area. Table 4. Repetitive Loss Properties in the City of Harrisburg Repetitive Loss Area FEMA RL # Flood Dates of Previous Claims Average Claim Paid Mitigated? /11, 9/87, 8/86 $3,958 No /11, 9/04, 2/84, 3/79 $63,001 No Identified Flood Cause: Flooding of Paxton Creek. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area /11, 1/96, 4/84, 2/84 $29,309 No /11, 9/04, 1/96, 4/93 $25,193 No /11, 9/04, 1/96, 2/84 $16,079 No /11, 9/04, 1/96, 2/84 $21,366 No /11, 9/04, 1/96, 2/84 $25,906 No /11, 9/04, 1/96, 2/84 $28,150 No 33

43 FEMA RL # Flood Dates of Previous Claims Average Claim Paid Mitigated? /11, 9/04, 1/96, 4/93 $59,745 No /11, 1/96, 4/93 $17,704 No /11, 9/04, 1/96, 1/96, 4/93 $149,711 No Identified Flood Cause: Flooding of Paxton Creek. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area /96, 2/94 $129,567 No /11, 9/11, 9/04, 1/96, 1/96 $268,910 No /11, 9/04, 8/03, 9/99 $22,680 No Identified Flood Cause: Flooding of Paxton Creek. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area /04, 1/96 $1,376 No /04, 1/96 $15,907 No /11, 9/04, 1/96 $33,790 No /11, 9/04, 1/96 $6,021 No /11, 9/04, 1/96 $21,930 No /11, 9/04, 1/96 $48,092 No 34

44 FEMA RL # Flood Dates of Previous Claims Average Claim Paid Mitigated? /11, 9/04, 1/96 $6,351 No /11, 9/04, 1/96 $20,394 No /04, 1/96 $4,059 No /11, 9/04, 1/96 $7,065 No /04, 1/96 $3,331 No /11, 9/04, 1/96 $3,184 No /11, 9/04, 1/96 $10,817 No /11, 9/04, 1/96 $13,474 No /11, 9/04, 1/96 $4,834 No /11, 9/04, 1/96 $27,944 No /11, 9/04, 1/96 $4,776 No /04, 1/96 $9,975 No 35

45 FEMA RL # Flood Dates of Previous Claims 36 Average Claim Paid Mitigated? /11, 9/04, 1/96 $7,521 No /11, 9/04, 1/96 $21,019 No /11, 9/04, 1/96 $5,801 No /11, 4/11, 9/04, 1/96 $4,458 No Identified Flood Cause: Flooding of Paxton Creek; flash flooding due to short, intense rain events. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area /11, 9/04, 1/96 $49,124 No /11, 9/04, 1/96 $6,325 No /11, 9/04, 1/96 $7,087 No /11, 9/04, 1/96 $4,987 No /11, 9/04, 1/96 $7,226 No /11, 9/04, 1/96 $9,508 No /11, 9/04, 1/96 $35,674 No /11, 9/04, 1/96 $9,827 No

46 FEMA RL # Flood Dates of Previous Claims 37 Average Claim Paid Mitigated? /11, 9/04, 1/96 $23,966 No /11, 9/04, 1/96 $5,393 No /11, 9/04, 1/96 $35,760 No /11, 9/04, 1/96 $19,685 No /11, 9/04, 2/84 $28,460 No Identified Flood Cause: Flooding of the Susquehanna River; flash flooding due to short, intense rain events. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area /11, 9/04, 1/96 $28,434 No /11, 9/04, 1/96 $9,552 No /11, 9/04, 1/96 $42,198 No /11, 9/04, 1/96 $43,943 No /11, 9/04, 1/96 $6,699 No /11, 9/04, 1/96 $44,762 No Identified Flood Cause: Flooding of Paxton Creek. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area /11, 9/04, 1/96 $74,657 No

47 FEMA RL # Flood Dates of Previous Claims Average Claim Paid Mitigated? /11, 9/04, 1/96 $4,206 No /11, 9/04, 1/96 $20,802 No /11, 9/04, 1/96 $12,006 No /11, 9/04, 1/96 $11,594 No /11, 9/04, 1/96 $26,847 No /11, 9/04, 1/96 $26,391 No /11, 9/04, 1/96 $22,528 No /11, 9/04, 1/96 $30,281 No /11, 9/04, 1/96 $43,664 No /11, 9/04, 1/96 $40,390 No /11, 9/04, 1/96 $7,752 No /04, 1/96 $8,126 No 38

48 FEMA RL # Flood Dates of Previous Claims 39 Average Claim Paid Mitigated? /11, 9/04, 1/96 $4,483 No /04, 1/96 $1,924 No /11, 4/11, 9/04, 1/96 $5,705 No Identified Flood Cause: Flooding of the Susquehanna River; flash flooding due to short, intense rain events. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area /04, 1/96 $5,683 No /11, 9/04, 1/96 $4,408 No /11, 9/04, 1/96 $13,117 No /11, 9/04, 1/96 $19,888 No /11, 9/04, 1/96 $30,694 No /11, 9/04, 1/96 $7,730 No /11, 9/04, 1/96 $29,674 No /11, 9/04, 1/96 $4,648 No /11, 9/04, 1/96 $26,937 No

49 FEMA RL # Flood Dates of Previous Claims 40 Average Claim Paid Mitigated? /11, 9/04, 1/96 $34,664 No /11, 9/04, 1/96 $63,999 No /11, 9/04, 1/96 $64,666 No /11, 9/04, 1/96 $18,126 No /11, 9/04, 1/96 $18,923 No /11, 9/04, 1/96 $5,777 No /11, 9/04, 1/96 $29,519 No /11, 9/04, 1/96 $12,878 No /13, 8/11, 4/11, 9/04, 1/96 $17,803 No Identified Flood Cause: Flooding of Paxton Creek; flash flooding due to short, intense rain events. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area /11, 8/10, 9/04, 9/99 $101,903 No Identified Flood Cause: Flooding of Paxton Creek. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area /11, 9/04, 1/96 $7,702 No /04, 1/96 $35,320 No

50 FEMA RL # Flood Dates of Previous Claims Average Claim Paid Mitigated? /11, 9/04, 1/96 $36,001 No /11, 9/04, 1/96 $107,691 No /11, 9/04, 1/96 $9,187 No /11, 9/04, 1/96 $6,442 No /11, 9/04, 1/96 $6,508 No /11, 9/04, 1/96 $18,923 No /11, 9/04, 1/96 $3,009 No /11, 9/04, 1/96 $26,351 No /11, 9/04, 1/96 $25,307 No /11, 9/04, 1/96 $34,698 No /11, 9/04, 1/96 $25,929 No /11, 9/04, 1/96 $15,648 No 41

51 FEMA RL # Flood Dates of Previous Claims Average Claim Paid Mitigated? /11, 9/04, 1/96 $59,233 No /11, 9/04, 1/96 $27,513 No /11, 9/04, 1/96 $26,384 No /11, 9/04, 1/96 $24,532 No /11, 9/04, 1/96 $3,469 No /11, 9/04, 1/96 $4,885 No /11, 9/04, 1/96 $253,128 No /11, 9/04, 1/96 $26,382 No /11, 9/04, 1/96 $5,892 No /11, 9/04, 1/96 $9,371 No /11, 9/04, 1/96 $20,237 No /11, 9/04, 1/96 $11,705 No 42

52 FEMA RL # Flood Dates of Previous Claims Average Claim Paid Mitigated? /11, 9/04, 1/96 $6,812 No /11, 9/04, 1/96 $49,212 No /11, 9/04, 1/96 $19,963 No /11, 9/04, 1/96 $9,893 No /11, 9/04, 1/96 $5,398 No /11, 9/04, 1/96 $34,303 No Identified Flood Cause: Flooding of Paxton Creek. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area /11, 9/04, 1/96 $12,421 No /11, 9/04, 1/96 $89,677 No /04, 1/96 $9,329 No /11, 9/04, 1/96 $13,451 No /11, 9/04, 1/96 $8,754 No /11, 9/04, 1/96 $20,893 No 43

53 FEMA RL # Flood Dates of Previous Claims 44 Average Claim Paid Mitigated? /11, 9/04, 1/96 $2,529 No /11, 9/04, 1/96 $34,427 No /04, 1/96 $4,736 No /11, 9/04, 1/96 $29,766 No /04, 1/96 $17,237 No Identified Flood Cause: Flooding of Paxton Creek. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area /11, 9/04, 1/96 $13,626 No /04, 1/96 $4,627 No /11, 9/04, 1/96 $33,859 No /11, 9/04, 1/96 $4,381 No /11, 9/04, 1/96 $11,414 No /11, 9/04, 1/96 $68,827 No Identified Flood Cause: Flooding of the Susquehanna River and Paxton Creek. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area /11, 9/04, 1/96 $81,266 No

54 FEMA RL # Flood Dates of Previous Claims Average Claim Paid Mitigated? /11, 6/06, 9/04 $21,721 No Identified Flood Cause: Flooding of Paxton Creek. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area /10, 8/03 $7,858 No Identified Flood Cause: Stormwater drainage into the property due to short, intense rain events /11, 9/04 $23,536 No Identified Flood Cause: Flooding of Paxton Creek; flash flooding due to short, intense rain events. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area /11, 4/11, 9/04 $18,170 No Identified Flood Cause: Flooding of Paxton Creek; flash flooding due to short, intense rain events. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area /11, 9/04 $2,111 No /11, 9/04 $28,903 No /11, 9/04 $28,298 No /11, 9/04, 1/96 $32,001 No /11, 9/04 $2,253 No Identified Flood Cause: Flooding of the Susquehanna River; flash flooding due to short, intense rain events. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area /11, 9/04 $13,815 No /11, 9/04 $18,667 No 45

55 FEMA RL # Flood Dates of Previous Claims 46 Average Claim Paid Mitigated? /11, 9/04 $11,762 No /11, 9/04 $55,920 No /11, 9/04 $2,883 No /11, 9/04 $17,114 No Identified Flood Cause: Flooding of the Susquehanna River; flash flooding due to short, intense rain events. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area /11, 9/04 $12,137 No /11, 9/04 $5,302 No /11, 9/04 $15,830 No /11, 9/04 $7,878 No /11, 9/04 $10,186 No /11, 9/04 $25,107 No /11, 9/04 $4,516 No /11, 9/04 $3,876 No

56 FEMA RL # Flood Dates of Previous Claims 47 Average Claim Paid Mitigated? /11, 9/04 $13,989 No Identified Flood Cause: Flooding of the Susquehanna River and Paxton Creek. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area /11, 9/04 $4,955 No /11, 9/04 $34,138 No /11, 9/04 $22,124 No /11, 9/04 $7,022 No /11, 9/04 $10,045 No /11, 9/04 $64,381 No /11, 9/04 $88,096 No /11, 9/04 $500,000 No /11, 9/04 $14,752 No /11, 9/04 $201,171 No /11, 9/04 $70,319 No Identified Flood Cause: Flooding of Paxton Creek. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area.

57 FEMA RL # Flood Dates of Previous Claims Average Claim Paid Mitigated? /11, 9/04 $3,685 No /11, 9/04 $30,089 No /11, 9/04 $28,134 No /11, 9/04 $38,356 No /11, 9/04 $13,500 No /11, 9/04 $52,160 No /11, 9/04 $4,599 No /11, 9/04 $4,142 No /11, 9/04 $25,741 No /11, 9/04 $17,791 No /11, 9/04 $3,502 No /11, 9/04 $17,110 No 48

58 FEMA RL # Flood Dates of Previous Claims Average Claim Paid Mitigated? /11, 9/04 $8,990 No /11, 9/04 $4,937 No /11, 9/04 $18,032 No /11, 9/04 $25,645 No /11, 9/04 $39,176 No /11, 9/04 $11,668 No 49

59 Figure 8. City of Harrisburg Repetitive Loss Area 50

60 Properties Included in Repetitive Loss Area A total of 1,198 properties with 1,562 insurable buildings have been identified in the City of Harrisburg s repetitive loss area. Table 5 provides general information for properties within this repetitive loss area, along with mitigation measures that could be employed to address repetitive flood losses. For private properties, the decision to implement the identified mitigation measures resides with the private property owner. These measures are recommended based on the flood risks, but owners are not obligated to implement them. Table 5. All Properties in the City of Harrisburg Repetitive Loss Area Number of Property Insurable Building Description ID Buildings Foundation Condition Probable Mitigation Measures HBG Slab Good Elevation, Insurance, Library, HBG Slab Fair Floodproofing, Insurance, Critical facilities protection, Hazard warning, Library, HBG Slab Fair Relocation, Floodproofing, Insurance, Critical facilities protection, Hazard warning, Library, HBG Slab Good Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Floodproofing, Insurance, Library, HBG Slab Fair Floodproofing, Insurance, Critical facilities protection, Hazard warning, Library, HBG Slab Poor, Fair, Good 51 Floodproofing, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Fair Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Elevation, Insurance, Library,

61 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Poor Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Fair Relocation, Floodproofing, Elevation, Insurance, Wetlands protection, Critical facilities protection, Hazard warning, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement, Slab Good Relocation, Floodproofing, Insurance, Library, HBG Slab Good, Fair Elevation, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Slab Good Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Slab Good Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Slab Good Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, 52

62 Property ID Number of Insurable Buildings Building Description Foundation Condition 53 Probable Mitigation Measures HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Slab Fair Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Poor Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Acquisition, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Fair Acquisition, Elevation, Insurance, Library, Outreach HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library,

63 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Poor Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, 54

64 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HBG Basement Fair Floodproofing, Acquisition, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement, Slab Fair, Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, 55

65 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Fair Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Fair Insurance, Library, HBG Slab Fair Insurance, Library, HBG Slab Fair Insurance, Library, HBG Slab Good Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, 56

66 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Slab Good Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Slab Fair Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Acquisition, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, 57

67 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HBG Basement Fair Floodproofing, Acquisition, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Acquisition, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Acquisition, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Acquisition, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Acquisition, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, 58

68 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Poor Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Fair Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement, Slab Fair Floodproofing, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Basement, Slab Good Floodproofing, Insurance, Library, 59

69 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Insurance, Critical facilities protection, Hazard warning, Library, HBG Slab Poor Floodproofing, Elevation, Insurance, Library, Outreach HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Poor Elevation, Insurance, Library, HBG Slab Good Floodproofing, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Critical facilities protection, Hazard warning, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Fair Floodproofing, Elevation, Insurance, Critical facilities protection, Hazard warning, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Fair Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Poor Floodproofing, Insurance, Library, HBG Basement Poor Floodproofing, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, 60

70 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HBG Slab Fair Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Poor Floodproofing, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Slab Poor Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Elevation, Insurance, Library, Outreach HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Poor Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Slab Poor Insurance, Library, HBG Basement Poor Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, 61

71 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HBG Slab Good Elevation, Insurance, Library, HBG Basement Fair Floodproofing, Acquisition, Insurance, Library, HBG Basement Fair Floodproofing, Acquisition, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Good Floodproofing, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Fair Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Slab Fair Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, 62

72 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, 63

73 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Slab Fair Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Slab Good Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Slab Good Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Slab Good Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, 64

74 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HBG Slab Fair Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Slab Fair Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, 65

75 Property ID Number of Insurable Buildings Building Description Foundation Condition 66 Probable Mitigation Measures HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Crawlspace Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Crawlspace Good Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement, Slab HBG Basement, Slab HBG Basement, Slab Good, Poor Good Good, Poor Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library,

76 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement, Slab Fair, Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement, Slab Good Floodproofing, Insurance, Library, HBG Slab Good Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement, Slab Good, Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement, Slab Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement, Slab Fair Floodproofing, Insurance, Library, HBG Slab Fair Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Slab Good Insurance, Library, 67

77 Property ID Number of Insurable Buildings Building Description Foundation HBG Basement, Slab HBG Basement, Slab HBG Basement, Slab Condition Fair Fair Good Probable Mitigation Measures Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement, Slab HBG Basement, Slab Good Good Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Slab Good Insurance, Library, HBG Basement, Slab Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement, Slab HBG Basement, Slab HBG Basement, Slab HBG Basement, Slab HBG Basement, Slab HBG Basement, Slab Good Good Good Good Good Good Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement, Slab Good Floodproofing, Insurance, Critical facilities protection, Hazard warning, Library, HBG Slab Good Insurance, Library, 68

78 Property ID Number of Insurable Buildings Building Description Foundation Condition 69 Probable Mitigation Measures HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement, Slab HBG Basement, Slab Good Good, Poor Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement, Slab HBG Basement, Slab Good, Fair Good Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement, Slab Good, Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement, Slab HBG Basement, Slab HBG Basement, Slab Good Fair Good Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement, Slab HBG Basement, Slab Good, Fair Good, Fair Relocation, Floodproofing, Insurance, Library, Floodproofing, Insurance, Library,

79 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement, Slab Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement, Slab HBG Basement, Slab Good Good, Poor Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement, Slab Poor, Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Acquisition, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement, Slab HBG Basement, Slab HBG Basement, Slab Good, Fair Fair, Good Fair, Good Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Acquisition, Insurance, Library, HBG Basement, Slab HBG Basement, Slab Fair, Good Fair, Poor Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement, Slab Good Floodproofing, Insurance, Library, 70

80 Property ID Number of Insurable Buildings Building Description Foundation Condition 71 Probable Mitigation Measures HBG Basement Good Floodproofing, Insurance, Library, HBG Basement, Slab HBG Basement, Slab Good, Poor Fair, Poor Floodproofing, Insurance, Library, Floodproofing, Acquisition, Insurance, Library, HBG Basement Good Relocation, Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Slab Fair, Good Floodproofing, Elevation, Insurance, Library, Outreach HBG Basement, Slab HBG Basement, Slab Fair, Poor Good, Fair Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Slab Good Floodproofing, Elevation, Insurance, Library, Outreach HBG Basement Good Floodproofing, Insurance, Library, HBG Basement, Slab Good, Poor Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement, Slab Fair Floodproofing, Insurance, Library, HBG Basement Fair, Good Relocation, Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement, Slab HBG Basement, Slab HBG Basement, Slab HBG Basement, Slab Fair, Poor Good, Poor Good, Fair Fair Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Insurance, Library,

81 Property ID Number of Insurable Buildings Building Description Foundation Condition 72 Probable Mitigation Measures HBG Basement Fair Floodproofing, Acquisition, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Poor Floodproofing, Insurance, Library, HBG Basement Poor Floodproofing, Insurance, Library, HBG Slab Fair Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Poor Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Poor, Fair, Good Relocation, Floodproofing, Insurance, Critical facilities protection, Hazard warning, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Poor Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good, Fair Elevation, Insurance, Library, HBG Slab Poor Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Insurance, Library,

82 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HBG Slab Fair Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Poor Insurance, Library, HBG Slab Fair Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Floodproofing, Elevation, Insurance, Critical facilities protection, Hazard warning, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Fair Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, 73

83 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Fair, Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Fair Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Fair Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, 74

84 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Fair Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Acquisition, Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Fair Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Insurance, Library, HBG Slab Good Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Fair Acquisition, Insurance, Library, HBG Slab Fair Insurance, Library, HBG Slab Fair Acquisition, Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Fair Insurance, Library, HBG Slab Fair Insurance, Library, HBG Slab Fair Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Fair Insurance, Library, HBG Slab Fair Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Slab Fair Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Fair Insurance, Library, HBG Slab Good Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, 75

85 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HBG Slab Good Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Fair Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement, Slab Good, Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Poor Floodproofing, Insurance, Library, HBG Basement Poor Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Acquisition, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, 76

86 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HBG Slab Fair Floodproofing, Elevation, Insurance, Library, Outreach HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Poor Floodproofing, Insurance, Critical facilities protection, Hazard warning, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Poor Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Slab Good Insurance, Library, 77

87 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HBG Crawlspace Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Poor Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, 78

88 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, 79

89 Property ID Number of Insurable Buildings Building Description Foundation Condition 80 Probable Mitigation Measures HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Fair Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Fair Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Elevation, Insurance, Library,

90 Property ID Number of Insurable Buildings Building Description Foundation Condition 81 Probable Mitigation Measures HBG Slab Fair Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Fair Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Acquisition, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Poor Insurance, Library, HBG Slab Poor Acquisition, Insurance, Library, HBG Slab Fair Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library,

91 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HBG Slab Fair Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Floodproofing, Elevation, Insurance, Library, Outreach HBG Slab Good Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Poor Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, 82

92 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Floodproofing, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Fair Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Good, Fair Elevation, Insurance, Library, HBG Slab Poor Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Fair Floodproofing, Insurance, Library, HBG Slab Fair Floodproofing, Insurance, Library, HBG Slab Fair Floodproofing, Insurance, Library, HBG Slab Fair Floodproofing, Insurance, Library, HBG Slab Fair Floodproofing, Insurance, Library, HBG Slab Fair Floodproofing, Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Acquisition, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Poor Acquisition, Elevation, Insurance, Library, Outreach 83

93 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HBG Slab Fair Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Fair Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Fair Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Acquisition, Insurance, Library, HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, 84

94 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HBG Slab Fair Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Fair Elevation, Insurance, Library, HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Elevation, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Slab Fair Insurance, Library, HBG Slab Fair Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Fair Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Poor Insurance, Library, HBG Slab Good Acquisition, Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, 85

95 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HBG Slab Good Insurance, Library, HBG Slab Good Insurance, Library, HBG Slab Fair Insurance, Library, HBG Slab Good, Fair Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Poor Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Acquisition, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement, Slab Fair, Poor Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, 86

96 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Slab Good Floodproofing, Insurance, Library, HBG Slab Good Floodproofing, Elevation, Insurance, Library, Outreach HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Elevation, Insurance, Library, HBG Slab Fair Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach 87

97 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Poor Relocation, Floodproofing, Insurance, Critical facilities protection, Hazard warning, Library, HBG Basement Poor Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Slab Fair Insurance, Library, HBG Slab Poor Insurance, Library, HBG Slab Fair Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Good Floodproofing, Elevation, Insurance, Library, Outreach 88

98 Property ID Number of Insurable Buildings Building Description Foundation Condition 89 Probable Mitigation Measures HBG Slab Good Floodproofing, Elevation, Insurance, Library, Outreach HBG Slab Good Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Good Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Elevation, Insurance, Library, HBG Slab Fair Acquisition, Elevation, Insurance, Library, Outreach HBG Slab Fair Elevation, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Good Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Poor Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Poor Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Slab Fair Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Poor Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library,

99 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, HBG Basement Poor Floodproofing, Insurance, Library, HBG Basement Fair Floodproofing, Insurance, Library, Total 1,562 90

100 Borough of Highspire Repetitive Loss Area Problem Statement Figure 9 shows the Borough of Highspire Repetitive Loss Area, which is coterminous with the 1-percent annual chance floodplains of the Susquehanna River and Burd Run in the Borough of Highspire. Most of the repetitive loss properties in the Borough of Highspire surround the wetlands between Willow Street and the Market Street Extension. Identified Repetitive Loss Properties Table 6 lists the FEMA-designated repetitive loss properties within this repetitive loss area. Table 6. Repetitive Loss Properties in the Borough of Highspire Repetitive Loss Area FEMA RL # Flood Dates of Previous Claims Average Claim Paid Mitigated? /11, 9/04, 1/96 $12,071 No /11, 9/04, 1/96 $23,550 No /11, 9/04, 1/96 $4,812 No /11, 9/04, 1/96 $4,625 No /11, 9/04, 1/96 $12,225 No /11, 9/04, 1/96 $4,429 No /11, 9/04, 1/96 $6,871 No /11, 9/04, 1/96 $15,500 No 91

101 FEMA RL # Flood Dates of Previous Claims Average Claim Paid Mitigated? /13, 9/11, 3/11, 9/04 $25,987 No Identified Flood Cause: Flooding of the Susquehanna River; flash flooding from short, intense rainfall. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area /11, 4/11, 9/04 $5,068 No Identified Flood Cause: Flooding of the Susquehanna River; flash flooding from short, intense rainfall. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area /11, 9/04 $19,020 No /13, 9/11, 1/96 $5,131 No Identified Flood Cause: Flooding of the Susquehanna River; flash flooding from short, intense rainfall. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area /11, 5/10 $6,485 No /11, 9/04 $6,743 No /13, 9/11, 9/04 $14,133 No Identified Flood Cause: Flooding of the Susquehanna River; flash flooding from short, intense rainfall. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area /11, 9/04 $5,070 No Properties Included in Repetitive Loss Area A total of 195 properties with 325 insurable buildings have been identified in this repetitive loss area. Table 7 provides general information for the properties within the repetitive loss area, along with mitigation measures that could be employed to address repetitive flood losses. For private properties, the decision to implement the identified mitigation measures resides with the private property owner. These measures are recommended based on the flood risks, but owners are not obligated to implement them. 92

102 Table 7. All Properties in the Borough of Highspire Repetitive Loss Area Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HSP Basement Poor Floodproofing, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Slab Fair Insurance, Library, HSP Basement Poor Floodproofing, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Slab Fair Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Slab Good, Fair Elevation, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Slab Good Elevation, Insurance, Library, HSP Slab Good Insurance, Library, HSP Slab Good Insurance, Library, HSP Crawlspace Good Elevation, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Slab Good Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Slab Good Insurance, Library, HSP Basement Fair, Good Floodproofing, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Slab Fair Elevation, Insurance, Library, HSP Slab Good Insurance, Critical facilities protection, Hazard warning, Library, HSP Slab Good Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Acquisition, Insurance, Library, Outreach HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, 93

103 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HSP Basement Fair Floodproofing, Insurance, Library, HSP Slab Good Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Slab Good Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Poor Floodproofing, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Slab Good Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Acquisition, Insurance, Library, Outreach HSP Basement Good Floodproofing, Insurance, Library, HSP Slab Poor Insurance, Library, HSP Slab Fair Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Slab Good Insurance, Library, HSP Slab Poor Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Acquisition, Insurance, Library, Outreach HSP Slab Good Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, 94

104 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HSP Basement Fair Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Acquisition, Insurance, Library, Outreach HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Slab Fair Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, 95

105 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Slab Good Elevation, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Acquisition, Insurance, Library, Outreach HSP Basement Fair Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Slab Fair Elevation, Insurance, Library, HSP Slab Good Relocation, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Slab Good Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Slab Good Elevation, Insurance, Library, 96

106 Property ID Number of Insurable Buildings Building Description Foundation Condition 97 Probable Mitigation Measures HSP Slab Good Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Acquisition, Insurance, Library, Outreach HSP Basement Good Floodproofing, Insurance, Library, HSP Slab Poor Insurance, Library, HSP Slab Fair Elevation, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Slab Poor Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Slab Fair Elevation, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Slab Poor Acquisition, Elevation, Insurance, Library, Outreach HSP Basement Good Floodproofing, Insurance, Library, HSP Slab Good Insurance, Library, HSP Slab Fair Relocation, Acquisition, Elevation, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Slab Good Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Slab Good Insurance, Library, HSP Slab Fair Insurance, Library, HSP Basement Good Floodproofing, Insurance, Library, HSP Basement Fair, Good Floodproofing, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Basement Fair Floodproofing, Insurance, Library, HSP Slab Fair Floodproofing, Insurance, Library,

107 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HSP Crawlspace Poor Elevation, Insurance, Library, HSP Basement Good Floodproofing, Acquisition, Insurance, Library, Outreach HSP Slab Good Relocation, Floodproofing, Insurance, Critical facilities protection, Hazard warning, Library, HSP Slab Fair Insurance, Wetlands protection, Library, Outreach HSP Slab Fair Elevation, Insurance, Wetlands protection, Library, HSP Slab Good Acquisition, Insurance, Wetlands protection, Library, HSP Basement Good Floodproofing, Acquisition, Insurance, Wetlands protection, Library, HSP Crawlspace Good Elevation, Insurance, Wetlands protection, Library, HSP Slab Poor Elevation, Insurance, Wetlands protection, Library, HSP Slab Good Elevation, Insurance, Wetlands protection, Library, HSP Basement Good Floodproofing, Insurance, Wetlands protection, Library, HSP Basement Fair Floodproofing, Insurance, Wetlands protection, Library, HSP Basement Good Floodproofing, Insurance, Wetlands protection, Library, HSP Basement Fair Floodproofing, Insurance, Wetlands protection, Library, HSP Basement Fair Floodproofing, Insurance, Wetlands protection, Library, HSP Basement Good Floodproofing, Insurance, Wetlands protection, Library, HSP Slab Fair Elevation, Insurance, Wetlands protection, Library, HSP Basement Fair Floodproofing, Insurance, Wetlands protection, Library, HSP Basement Good Floodproofing, Insurance, Wetlands protection, Library, HSP Basement Fair Floodproofing, Insurance, Wetlands protection, Library, 98

108 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures HSP Basement Fair Floodproofing, Insurance, Wetlands protection, Library, HSP Slab Good Elevation, Insurance, Wetlands protection, Library, HSP Basement Good Floodproofing, Insurance, Wetlands protection, Library, HSP Basement Good Floodproofing, Insurance, Wetlands protection, Library, HSP Basement Good Floodproofing, Insurance, Wetlands protection, Library, HSP Slab Good Elevation, Insurance, Wetlands protection, Library, HSP Basement Good Floodproofing, Insurance, Wetlands protection, Library, HSP Basement Good Floodproofing, Insurance, Wetlands protection, Library, HSP Slab Good Elevation, Insurance, Wetlands protection, Library, HSP Slab Fair Relocation, Acquisition, Elevation, Insurance, Wetlands protection, Library, HSP Slab Good Relocation, Acquisition, Elevation, Insurance, Wetlands protection, Library, HSP Slab Good Relocation, Acquisition, Elevation, Insurance, Wetlands protection, Library, HSP Slab Good Relocation, Acquisition, Elevation, Insurance, Wetlands protection, Library, HSP Basement Good Floodproofing, Insurance, Library, Total

109 Figure 9. Borough of Highspire Repetitive Loss Area 100

110 Lower Paxton Township Repetitive Loss Area 01 Problem Statement Figure 10 shows Lower Paxton Township Repetitive Loss Area 01. The area is within an A Zone of the Goose Valley Run. Repetitive flood history for this area appears to be isolated to the single repetitive loss property and can be associated with short-duration intense rains conditions. Identified Repetitive Loss Property Table 8 lists the FEMA-designated repetitive loss property within this repetitive loss area. Table 8. Repetitive Loss Property in Lower Paxton Township Repetitive Loss Area 01 FEMA RL # Flood Dates of Previous Claims Average Claim Paid Mitigated? /11 $4,807 No Identified Flood Cause: Property is located along the Goose Valley Run. Damages were caused by smallstream flooding due to short, intense rain events. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area. 101

111 Figure 10. Lower Paxton Township Repetitive Loss Area

112 Properties Included in Lower Paxton Township Repetitive Loss Area 01 Repetitive loss property is the only property included in this repetitive loss area. The property has three insurable buildings. Table 9 provides general information for the property, along with mitigation measures that could be employed to address repetitive flood losses. For private properties, the decision to implement the identified mitigation measures resides with the private property owner. These measures are recommended based on the flood risks, but owners are not obligated to implement them. Table 9. Property in Lower Paxton Township Repetitive Loss Area 01 Property ID Number of Insurable Buildings Building Description Foundation LPT Slab Good Total 3 Condition Repetitive Loss Property # is the only property identified in this area. Probable Mitigation Measures Floodplain regulations, Insurance, Hazard threat recognition, Levees/floodwalls, Storm drain improvements, Library,, Technical assistance 103

113 Lower Paxton Township Repetitive Loss Area 02 Problem Statement Figure 11 shows Lower Paxton Township Repetitive Loss Area 02. This area is located within a residential subdivision that is bordered by the Goose Valley Run. The repetitive loss area is along a section of the Goose Valley Run is that has no identified flood zones; however, flood zones have been mapped upstream and downstream of the repetitive loss area. Identified Repetitive Loss Property Table 10 lists the FEMA-designated repetitive loss property within this repetitive loss area. Table 10. Repetitive Loss Property in Lower Paxton Township Repetitive Loss Area 02 FEMA RL # Flood Dates of Previous Claims Average Claim Paid Mitigated? /11, 8/11 $15,907 No Identified Flood Cause: Damages were caused by flash flooding due to short, intense rain events. 104

114 Figure 11. Lower Paxton Township Repetitive Loss Area

115 Properties Included in Repetitive Loss Area Three properties with three insurable buildings have been identified in this repetitive loss area. Table 11 provides general information for the property, along with mitigation measures that could be employed to address repetitive flood losses. For private properties, the decision to implement the identified mitigation measures resides with the private property owner. These measures are recommended based on the flood risks, but owners are not obligated to implement them. Table 11. All Properties in Lower Paxton Township Repetitive Loss Area 02 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures LPT Basement Good Floodplain mapping and data, Floodplain regulations, Floodproofing, Insurance, Hazard threat recognition, Levees/floodwalls, Storm drain improvements, Library, Outreach, Technical assistance LPT Basement Good Floodplain mapping and data, Floodplain regulations, Floodproofing, Acquisition, Insurance, Hazard threat recognition, Levees/floodwalls, Storm drain improvements, Library, Outreach, Technical assistance LPT Basement Good Floodplain mapping and data, Floodplain regulations, Floodproofing, Insurance, Hazard threat recognition, Levees/floodwalls, Storm drain improvements, Library, Outreach, Technical assistance Total 3 106

116 Middle Paxton Township Repetitive Loss Area 01 Problem Statement Figure 12 shows Middle Paxton Township Repetitive Loss Area 01, which is coterminous with the 1- percent annual chance floodplain of the Susquehanna River in Middle Paxton Township. Identified Repetitive Loss Properties Table 12 lists the FEMA-designated repetitive loss properties within this repetitive loss area. Table 12. Repetitive Loss Properties in Middle Paxton Township Repetitive Loss Area 01 FEMA RL # Flood Dates of Previous Claims Average Claim Paid Mitigated? # /11, 3/11, 6/06, 9/04, 1/96, 4/93 $14,998 No Identified Flood Cause: Flooding of the Susquehanna River; flash flooding from short, intense rainfall. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area. # /11, 9/04, 1/96, 3/93 $14,034 No Identified Flood Cause: Flooding of the Susquehanna River; flash flooding from short, intense rainfall. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area. # /04, 1/96 $5,180 No # /11, 9/04, 1/96 $17,025 No # /11, 9/04, 1/96 $23,701 No # /11, 9/04, 1/96 $10,311 No commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area 107

117 Figure 12. Middle Paxton Township Repetitive Loss Area

118 Properties Included in Repetitive Loss Area A total of 94 properties with 145 insurable buildings have been identified in this repetitive loss area. Table 13 provides general information for each property, along with mitigation measures that could be employed to address repetitive flood losses. For private properties, the decision to implement the identified mitigation measures resides with the private property owner. These measures are recommended based on the flood risks, but owners are not obligated to implement them. Table 13. All Properties in Middle Paxton Township Repetitive Loss Area 01 Property ID Number of Insurable Buildings Building Description Foundation Condition 109 Probable Mitigation Measures MPT Slab Good Floodproofing, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Slab Good Floodproofing, Elevation, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Slab Fair Floodproofing, Elevation, Insurance, Library, MPT Slab Poor Floodproofing, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Slab Good Floodproofing, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library,

119 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures MPT Basement Good Floodproofing, Insurance, Library, MPT Basement Fair Floodproofing, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Basement Fair Floodproofing, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Basement Fair Floodproofing, Insurance, Library, MPT Basement Poor Floodproofing, Insurance, Library, MPT Basement Poor Floodproofing, Insurance, Library, MPT Basement Fair Floodproofing, Insurance, Library, MPT Basement Fair Floodproofing, Insurance, Library, MPT Basement Fair Floodproofing, Insurance, Library, MPT Basement Fair Floodproofing, Insurance, Library, MPT Basement Fair Floodproofing, Insurance, Library, MPT Basement Fair Floodproofing, Insurance, Library, MPT Basement Fair Floodproofing, Insurance, Library, MPT Basement Fair Floodproofing, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Slab Good Floodproofing, Acquisition, Elevation, Insurance, Library, 110

120 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures MPT Slab Good Floodproofing, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Slab Good Floodproofing, Elevation, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Basement Good Floodproofing, Acquisition, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Basement Fair Floodproofing, Acquisition, Insurance, Library, 111

121 Property ID Number of Insurable Buildings Building Description Foundation MPT Basement Good MPT Basement Good MPT Basement Good MPT Basement Fair MPT Basement Fair MPT Basement Good MPT Slab Fair MPT Crawlspace Fair MPT Slab Fair MPT Crawlspace Good MPT Basement Good MPT Basement Good MPT Basement Good MPT Slab Good MPT Slab Good MPT Basement Good MPT Crawlspace Fair MPT Slab Poor MPT Basement Good MPT Slab Good Condition Probable Mitigation Measures Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Elevation, Insurance, Library, Floodproofing, Elevation, Insurance, Library, Floodproofing, Elevation, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Elevation, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Elevation, Insurance, Library, 112

122 Property ID Number of Insurable Buildings Building Description Foundation MPT Slab Good MPT Basement Good MPT Basement Good MPT Slab Fair MPT Basement Good MPT Basement Fair MPT Basement Good MPT Slab Good MPT Basement Good MPT Basement Good MPT Basement Good MPT Slab Good MPT Basement Good MPT Basement Good MPT Slab Good MPT Slab Good MPT Slab Good MPT Slab Good Total 145 Condition Probable Mitigation Measures Floodproofing, Elevation, Insurance, Library, Floodproofing, Acquisition, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Acquisition, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Elevation, Insurance, Library, Floodproofing, Acquisition, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Acquisition, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Elevation, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, 113

123 Middle Paxton Township Repetitive Loss Area 02 Problem Statement Figure 13 shows Middle Paxton Township Repetitive Loss Area 02, which is coterminous with the 1- percent annual chance floodplain of a portion of Stony Creek. Stony Creek runs through the middle of the Township. Identified Repetitive Loss Properties Table 14 lists the FEMA-designated repetitive loss property within this repetitive loss area. Table 14. Repetitive Loss Property in Middle Paxton Township Repetitive Loss Area 02 FEMA RL # Flood Dates of Previous Claims Average Claim Paid Mitigated? /11, 6/06, 9/04 $46,765 No Identified Flood Cause: Flooding of Stony Creek; flash flooding from short, intense rainfall. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area. 114

124 Figure 13. Middle Paxton Township Repetitive Loss Area

125 Properties Included in Repetitive Loss Area A total of 30 properties with 42 insurable buildings have been identified in this repetitive loss area. Table 15 provides general information for each property, along with mitigation measures that could be employed to address repetitive flood losses. For private properties, the decision to implement the identified mitigation measures resides with the private property owner. These measures are recommended based on the flood risks, but owners are not obligated to implement them. Table 15. All Properties in Middle Paxton Township Repetitive Loss Area 02 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures MPT Slab Good Floodproofing, Insurance, Library, MPT Slab Good Floodproofing, Insurance, Library, MPT Crawlspace Poor Floodproofing, Elevation, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Slab Poor Floodproofing, Elevation, Insurance, Library, MPT Basement Good Floodproofing, Insurance, Library, MPT Slab Fair Floodproofing, Insurance, Library, MPT Slab Fair Floodproofing, Insurance, Library, MPT Slab Fair Floodproofing, Elevation, Insurance, Library, MPT Slab Fair Floodproofing, Elevation, Insurance, Library, MPT Slab Poor Floodproofing, Elevation, Insurance, Library, MPT Slab Fair Floodproofing, Insurance, Library, MPT Basement Fair Floodproofing, Insurance, Library, 116

126 Property ID MPT02-16 MPT02-17 MPT02-18 MPT02-19 MPT02-20 MPT02-21 MPT02-22 MPT02-23 MPT02-24 MPT02-25 MPT02-26 MPT02-27 MPT02-28 MPT02-29 MPT02-30 Number of Insurable Buildings Total Building Description Foundation Condition Basement Good Slab Good Slab Good Crawlspace Good Basement Good Basement Fair Slab Good Basement Fair Basement Fair Basement Good Crawlspace Good Basement Good Basement Good Basement Good Basement Good Probable Mitigation Measures Floodproofing, Insurance, Library, Floodproofing, Elevation, Insurance, Library, Floodproofing, Elevation, Insurance, Library, Floodproofing, Elevation, Insurance, Library, Floodproofing, Acquisition, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Elevation, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Elevation, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, Floodproofing, Insurance, Library, 117

127 Middle Paxton Township Repetitive Loss Area 03 Problem Statement Figure 14 shows Middle Paxton Township Repetitive Loss Area 03, which includes 1 property in the 1- percent annual chance floodplain of Fishing Creek. Two properties are shown on the map to ensure privacy of loss information. Repetitive flood history for this area appears to be isolated to the single repetitive loss property and can be associated with short-duration intense rains conditions. Identified Repetitive Loss Property Table 16 lists the FEMA-designated repetitive loss properties within this repetitive loss area. Table 16. Repetitive Loss Property in Middle Paxton Township Repetitive Loss Area 03 FEMA RL # Flood Dates of Previous Claims Average Claim Paid Mitigated? # /96, 9/87 $2,180 No Identified Flood Cause: Flash flooding from heavy rain events. 118

128 Figure 14. Middle Paxton Township Repetitive Loss Area

129 Property Included in Repetitive Loss Area One property with 2 structures been identified in this repetitive loss area. Table 17 provides general information for the property, along with mitigation measures that could be employed to address repetitive flood losses. For private properties, the decision to implement the identified mitigation measures resides with the private property owner. These measures are recommended based on the flood risks, but owners are not obligated to implement them. Table 17. Property in Middle Paxton Township Repetitive Loss Area 03 Number of Property Insurable Building Description ID Buildings Foundation Condition Probable Mitigation Measures MPT Basement Good Floodproofing, Acquisition, Insurance, Library,, Technical assistance Total 2 120

130 Millersburg Borough Repetitive Loss Area 01 Problem Statement Figure 15 shows Millersburg Borough Repetitive Loss Area 01. This area is coterminous with the 1-percent annual chance floodplains of the Susquehanna River and Wiconisco Creek in the Borough of Millersburg. Identified Repetitive Loss Properties There are no identified repetitive loss properties in this repetitive loss area. However, there are several properties with at least one flood insurance claim. 121

131 Figure 15. Millersburg Borough Repetitive Loss Area

132 Properties Included in Repetitive Loss Area Six properties with 11 insurable buildings have been identified in this repetitive loss area. Table 18 provides general information for each property, along with mitigation measures that could be employed to address repetitive flood losses. For private properties, the decision to implement the identified mitigation measures resides with the private property owner. These measures are recommended based on the flood risks, but owners are not obligated to implement them. Table 18. All Properties in Millersburg Borough Repetitive Loss Area 01 Property ID Number of Insurable Buildings Building Description MLB Basement Fair MLB Basement Good MLB Slab Good MLB Slab Fair MLB Slab Good, Fair MLB Slab Fair, Good Total 11 Foundation Condition Probable Mitigation Measures Planning and zoning, Floodproofing, Insurance, Library, Planning and zoning, Floodproofing, Insurance, Library, Planning and zoning, Floodproofing, Insurance, Library, Planning and zoning, Floodproofing, Insurance, Library, Planning and zoning, Relocation, Floodproofing, Elevation, Insurance, Critical facilities protection, Hazard warning, Library, Planning and zoning, Relocation, Floodproofing, Insurance, Library, 123

133 Millersburg Borough Repetitive Loss Area 02 Problem Statement Figure 16 shows Millersburg Borough Repetitive Loss Area 02. Flood damage in this area is caused by stormwater runoff running down a drainage swale and terminating at Union Street. The swale drops 120 feet in elevation over a distance of 0.67 mile. One property in the repetitive loss area includes a shed that has been undercut completely by runoff. Identified Repetitive Loss Property Table 19 lists the FEMA-designated repetitive loss property within this repetitive loss area. Table 19. Repetitive Loss Property in Millersburg Borough Repetitive Loss Area 02 FEMA RL # Flood Dates of Previous Claims Average Claim Paid Mitigated? # /11, 7/11, 9/96, 9/94 $3,599 No Identified Flood Cause: This property is located next to a drainage swale that runs downhill from the intersection of Berrysburg Road (PA-25) and Rising Sun Road and terminates suddenly near the property. 124

134 Figure 16. Millersburg Borough Repetitive Loss Area

135 Properties Included in Repetitive Loss Area Four properties with four insurable buildings have been identified in this repetitive loss area. Table 20 provides general information for each property, along with mitigation measures that could be employed to address repetitive flood losses. For private properties, the decision whether to implement the identified mitigation measures resides with the private property owner. These measures are recommended based on the flood risks, but owners are not obligated to implement them. Table 20. All Properties in Millersburg Borough Repetitive Loss Area 02 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures MLB Basement Good Floodproofing, Acquisition, Insurance, Storm drain improvements, Library,, Technical assistance MLB Basement Fair Floodproofing, Insurance, Storm drain improvements, Library,, Technical assistance MLB Basement Good MLB Basement Good Total 4 Floodproofing, Insurance, Storm drain improvements, Library,, Technical assistance Floodproofing, Insurance, Storm drain improvements, Library,, Technical assistance 126

136 Paxtang Borough Repetitive Loss Area Problem Statement Figure 17. Paxtang Borough Repetitive Loss Area shows the Paxtang Borough Repetitive Loss Area, which consists of 4 properties with 5 structures in the 1-percent annual chance floodplain of Spring Creek. Identified Repetitive Loss Properties Table 21 lists the FEMA-designated repetitive loss properties within this repetitive loss area. Table 21. Repetitive Loss Properties in the Paxtang Borough Repetitive Loss Area FEMA RL # Flood Dates of Previous Claims Average Claim Paid Mitigated? /14, 10/13, 9/11, 5/11, 4/11, 8/10, 6/09 $10,087 No Identified Flood Cause: Flooding of Spring Creek due to Tropical Storm Lee; flash flooding due to short, intense rainfall. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area /11, 4/11 $3,462 No Identified Flood Cause: Flooding of Spring Creek due to Tropical Storm Lee; flash flooding due to short, intense rainfall. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area. 127

137 Figure 17. Paxtang Borough Repetitive Loss Area 128

138 Properties Included in Repetitive Loss Area Four properties with five insurable buildings have been identified in this repetitive loss area. Table 22 provides general information for each property, along with mitigation measures that could be employed to address repetitive flood losses. For private properties, the decision to implement the identified mitigation measures resides with the private property owner. These measures are recommended based on the flood risks, but owners are not obligated to implement them. Table 22. All Properties in the Paxtang Borough Repetitive Loss Area Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures PAX Basement Good Floodproofing, Insurance, Library,, Technical assistance PAX Basement Poor Floodproofing, Acquisition, Insurance, Library,, Technical assistance PAX Basement Fair PAX Slab Good Total 5 Floodproofing, Acquisition, Insurance, Library,, Technical assistance Floodproofing, Elevation, Insurance, Library,, Technical assistance 129

139 Royalton Borough Repetitive Loss Area Problem Statement Figure 18 shows the Royalton Borough Repetitive Loss Area, which is coterminous with the 1-percent annual chance floodplains of the Susquehanna River and Swatara Creek where the Swatara Creek empties into the Susquehanna River. Identified Repetitive Loss Properties Table 23 lists the FEMA-designated repetitive loss properties within this repetitive loss area. Table 23. Repetitive Loss Properties in the Royalton Borough Repetitive Loss Area FEMA RL # Flood Dates of Previous Claims Average Claim Paid Mitigated? /11, 9/04, 1/96 $11,164 No /11, 9/04, 1/96 $19,913 No /04, 1/96 $2,775 No /11, 9/04, 1/96 $6,498 No /11, 9/04, 1/96 $23,778 No /11, 9/04 $7,796 No /11, 9/04 $25,822 No /11, 9/04 $4,153 No 130

140 FEMA RL # Flood Dates of Previous Claims Average Claim Paid Mitigated? /11, 9/04 $14,982 No /11, 9/04 $12,768 No 131

141 Figure 18. Royalton Borough Repetitive Loss Area 132

142 Properties Included in Repetitive Loss Area A total of 62 properties with 94 insurable buildings have been identified in this repetitive loss area. Table 24 provides general information for each property, along with mitigation measures that could be employed to address repetitive flood losses. For private properties, the decision to implement the identified mitigation measures resides with the private property owner. These measures are recommended based on the flood risks, but owners are not obligated to implement them. Table 24. All Properties in the Royalton Borough Repetitive Loss Area Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures ROY Basement Good Floodproofing, Insurance, Library, ROY Basement Good Floodproofing, Insurance, Library, ROY Basement Good Relocation, Floodproofing, Insurance, Library, ROY Crawlspace Good Insurance, Library, ROY Slab Good Insurance, Library, ROY Basement Fair Floodproofing, Insurance, Library, ROY Basement Fair Floodproofing, Insurance, Library, ROY Basement Good Floodproofing, Insurance, Library, ROY Basement Good Floodproofing, Insurance, Library, ROY Basement Fair Floodproofing, Insurance, Library, ROY Basement Good Floodproofing, Insurance, Library, ROY Basement Fair Floodproofing, Insurance, Library, ROY Basement Good Floodproofing, Insurance, Library, ROY Basement Good Floodproofing, Insurance, Library, ROY Basement Good Floodproofing, Insurance, Library, ROY Basement Good Floodproofing, Insurance, Library, ROY Basement Fair Floodproofing, Insurance, Library, ROY Crawlspace Good Insurance, Library, ROY Slab Poor Insurance, Library, ROY Basement Fair Floodproofing, Insurance, Library, ROY Crawlspace Good Insurance, Library, 133

143 Number of Property Insurable Building Description ID Buildings Foundation Condition Probable Mitigation Measures ROY Crawlspace Good Insurance, Library, ROY Basement Good Floodproofing, Insurance, Library, ROY Slab Good Floodproofing, Insurance, Library, ROY Basement Good Floodproofing, Insurance, Library, ROY Basement Good Floodproofing, Insurance, Library, ROY Slab Good Insurance, Library, ROY Crawlspace Fair Insurance, Library, ROY Basement Good Floodproofing, Insurance, Library, ROY Basement Good Floodproofing, Insurance, Library, ROY Basement Good Floodproofing, Insurance, Library, ROY Basement Good Floodproofing, Insurance, Library, ROY Slab Fair, Good Insurance, Library, ROY Basement Fair Floodproofing, Acquisition, Insurance, Library, ROY Basement Fair Floodproofing, Insurance, Library, ROY Basement Good Floodproofing, Acquisition, Insurance, Library, ROY Basement Good Floodproofing, Acquisition, Insurance, Library, ROY Basement Fair Floodproofing, Insurance, Library, ROY Crawlspace Good Insurance, Library, ROY Basement Good Floodproofing, Insurance, Library, ROY Basement Fair Floodproofing, Insurance, Library, ROY Slab Good Insurance, Library, ROY Basement Fair Floodproofing, Acquisition, Insurance, Library, ROY Basement Fair Floodproofing, Acquisition, Insurance, Library, ROY Basement Fair Floodproofing, Insurance, Library, ROY Basement Good Floodproofing, Insurance, Library, ROY Basement Good Floodproofing, Insurance, Library, 134

144 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures ROY Basement Fair Floodproofing, Insurance, Library, ROY Basement Fair Floodproofing, Insurance, Library, ROY Slab Fair Insurance, Library, ROY Basement Fair Floodproofing, Insurance, Library, ROY Crawlspace Good Insurance, Library, ROY Basement Good Floodproofing, Insurance, Library, ROY Basement Good Floodproofing, Insurance, Library, ROY Basement Good Floodproofing, Acquisition, Insurance, Library, ROY Slab Good Insurance, Library, ROY Basement Fair Floodproofing, Insurance, Library, ROY Slab Good Insurance, Library, ROY Slab Good Insurance, Library, ROY Slab Poor Insurance, Library, ROY Basement Good Floodproofing, Insurance, Library, ROY Slab Good Insurance, Library, Total

145 Steelton Borough Repetitive Loss Area Problem Statement Figure 19 shows the Steelton Borough Repetitive Loss Area, which is coterminous with the 1-percent annual chance floodplain of the Susquehanna River in Steelton Borough. Identified Repetitive Loss Properties Table 25 lists the FEMA-designated repetitive loss properties within this repetitive loss area. Table 25. Repetitive Loss Properties in the Steelton Borough Repetitive Loss Area FEMA RL # Flood Dates of Previous Claims Average Claim Paid Mitigated? /11, 9/04, 1/96 $6,869 No /11, 9/04, 1/96 $12,264 No /11, 9/04, 1/96 $3,202 No /11, 9/04, 1/96 $4,807 No /11, 9/04, 1/96 $10,135 No /04, 1/96 $4,923 No /11, 6/06, 9/04 $13,610 No Identified Flood Cause: Flooding of the Susquehanna River; flash flooding from short, intense rainfall. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area /11, 7/11 $3,663 No 136

146 FEMA RL # Flood Dates of Previous Claims Average Claim Paid Mitigated? /11, 9/04 $5,949 No /11, 9/04 $3,918 No Identified Flood Cause: Flooding of the Susquehanna River; flash flooding from short, intense rainfall. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area /11, 9/04 $3,281 No /11, 9/04 $3,110 No /13, 9/11 $3,600 No Identified Flood Cause: Flooding of the Susquehanna River; flash flooding from short, intense rainfall. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area. 137

147 Figure 19. Steelton Borough Repetitive Loss Area 138

148 Properties Included in Repetitive Loss Area A total of 67 properties with 154 insurable buildings have been identified in this repetitive loss area. Table 26 provides general information for each property, along with mitigation measures that could be employed to address repetitive flood losses. For private properties, the decision to implement the identified mitigation measures resides with the private property owner. These measures are recommended based on the flood risks, but owners are not obligated to implement them. Table 26. All Properties in the Steelton Borough Repetitive Loss Area Property Number of Insurable Building Description ID Buildings Foundation Condition Probable Mitigation Measures STL Slab Fair Floodplain regulations, Insurance, Library, Outreach STL Slab Fair Floodplain regulations, Insurance, Library, Outreach STL Slab Fair STL Slab Fair STL Slab Good STL Slab Good, Fair STL Slab Good STL Slab Good STL Slab Fair STL Slab Fair STL Slab Fair STL Slab Fair STL Slab Fair STL Slab Good Floodplain regulations, Elevation, Insurance, Library, Floodplain regulations, Relocation, Floodproofing, Insurance, Critical facilities protection, Hazard warning, Library, Floodplain regulations, Floodproofing, Insurance, Critical facilities protection, Hazard warning, Library, Floodplain regulations, Relocation, Insurance, Library, Floodplain regulations, Insurance, Library, Outreach Floodplain regulations, Insurance, Library, Outreach Floodplain regulations, Insurance, Library, Outreach Floodplain regulations, Floodproofing, Insurance, Critical facilities protection, Hazard warning, Library, Floodplain regulations, Insurance, Library, Outreach Floodplain regulations, Insurance, Library, Outreach Floodplain regulations, Insurance, Library, Outreach Floodplain regulations, Insurance, Library, Outreach 139

149 Property ID Number of Insurable Buildings Building Description STL Basement Fair STL Slab Fair STL Basement Good STL Basement Fair STL Slab Good STL Slab Fair STL Basement Fair STL Basement Fair STL Basement Fair STL Slab Fair STL Basement Fair STL Basement Good STL Basement Fair STL Basement Fair STL Basement Fair STL Basement Fair STL Basement Fair STL Basement Fair STL Basement Fair STL Slab Fair Foundation Condition Probable Mitigation Measures 140 Floodplain regulations, Floodproofing, Insurance, Library, Floodplain regulations, Insurance, Library, Outreach Floodplain regulations, Floodproofing, Insurance, Library, Floodplain regulations, Floodproofing, Insurance, Library, Floodplain regulations, Insurance, Library, Outreach Floodplain regulations, Insurance, Library, Outreach Floodplain regulations, Floodproofing, Insurance, Library, Floodplain regulations, Floodproofing, Insurance, Library, Floodplain regulations, Floodproofing, Insurance, Library, Floodplain regulations, Insurance, Library, Outreach Floodplain regulations, Floodproofing, Insurance, Library, Floodplain regulations, Floodproofing, Insurance, Library, Floodplain regulations, Floodproofing, Insurance, Library, Floodplain regulations, Floodproofing, Insurance, Library, Floodplain regulations, Floodproofing, Insurance, Library, Floodplain regulations, Floodproofing, Insurance, Library, Floodplain regulations, Floodproofing, Insurance, Library, Floodplain regulations, Floodproofing, Insurance, Library, Floodplain regulations, Floodproofing, Insurance, Library, Floodplain regulations, Insurance, Library, Outreach

150 Property ID Number of Insurable Buildings Building Description STL Basement Fair STL Basement Good STL Slab Fair STL Slab Good STL Slab Good STL Slab Good STL Basement Fair STL Slab Fair STL Slab Fair STL Slab Fair STL Basement Fair STL Basement Poor STL Slab Good STL Slab Fair STL Slab Fair STL Slab Good STL Slab Fair STL Slab Fair Foundation Condition Probable Mitigation Measures Floodplain regulations, Floodproofing, Insurance, Library, Floodplain regulations, Floodproofing, Insurance, Library, Floodplain regulations, Insurance, Library, Outreach Floodplain regulations, Insurance, Library, Outreach Floodplain regulations, Insurance, Library, Outreach Floodplain regulations, Elevation, Insurance, Library, Floodplain regulations, Floodproofing, Insurance, Library, Floodplain regulations, Elevation, Insurance, Library, Floodplain regulations, Elevation, Insurance, Library, Floodplain regulations, Insurance, Library, Outreach Floodplain regulations, Floodproofing, Insurance, Library, Floodplain regulations, Floodproofing, Insurance, Library, Floodplain regulations, Relocation, Floodproofing, Insurance, Critical facilities protection, Hazard warning, Library, Floodplain regulations, Floodproofing, Elevation, Insurance, Critical facilities protection, Hazard warning, Library, Floodplain regulations, Floodproofing, Insurance, Critical facilities protection, Hazard warning, Library, Floodplain regulations, Relocation, Floodproofing, Insurance, Library, Floodplain regulations, Floodproofing, Insurance, Library, Floodplain regulations, Floodproofing, Insurance, Critical facilities protection, Hazard warning, Library, 141

151 Property ID Number of Insurable Buildings Building Description STL Slab Good STL Basement Fair STL Slab Fair STL Slab Good STL Slab Good STL Slab Good STL Basement Fair STL Basement Fair STL Basement Fair STL Basement Fair STL Basement Fair STL Slab Fair STL Slab Good STL Slab Poor STL Slab Good, Poor Total 154 Foundation Condition Probable Mitigation Measures Floodplain regulations, Relocation, Floodproofing, Elevation, Insurance, Library, Floodplain regulations, Floodproofing, Insurance, Library, Floodplain regulations, Insurance, Library, Outreach Floodplain regulations, Insurance, Library, Outreach Floodplain regulations, Insurance, Library, Outreach Floodplain regulations, Relocation, Floodproofing, Insurance, Library, Floodplain regulations, Floodproofing, Insurance, Library, Floodplain regulations, Floodproofing, Insurance, Library, Floodplain regulations, Floodproofing, Insurance, Library, Floodplain regulations, Floodproofing, Insurance, Library, Floodplain regulations, Floodproofing, Insurance, Library, Floodplain regulations, Insurance, Library, Outreach Floodplain regulations, Relocation, Floodproofing, Insurance, Critical facilities protection, Hazard warning, Library, Floodplain regulations, Floodproofing, Insurance, Critical facilities protection, Hazard warning, Library, Floodplain regulations, Floodproofing, Elevation, Insurance, Library, 142

152 Susquehanna Township Repetitive Loss Area Problem Statement Figure 20 shows the Susquehanna Township Repetitive Loss Area, which is coterminous with the 1-percent annual chance floodplain of the Susquehanna River in Susquehanna Township. Identified Repetitive Loss Properties Table 27 lists the FEMA-designated repetitive loss properties within this repetitive loss area. Table 27. Repetitive Loss Properties in the Susquehanna Township Repetitive Loss Area FEMA RL # Flood Dates of Previous Claims Average Claim Paid Mitigated? /11, 9/04, 1/96, 9/87, 8/86 $14,882 No Identified Flood Cause: Flooding of the Susquehanna River; flash flooding from short-duration, intense rainfall. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area /11, 9/04, 1/96 $19,068 No /11, 9/04, 1/96 $5,174 No /11, 9/04, 1/96 $6,580 No /11, 9/04, 1/96 $5,967 No /11, 9/04, 1/96 $22,290 No /11, 9/04, 1/96 $9,797 No /11, 9/04, 1/96 $15,346 No 143

153 FEMA RL # Flood Dates of Previous Claims Average Claim Paid Mitigated? /11, 9/04, 1/96 $16,257 No /11, 9/04, 1/96 $13,215 No /11, 9/04, 1/96 $4,557 No /11, 9/04, 1/96 $13,388 No /11, 9/04, 1/96 $30,199 No /11, 9/04, 1/96 $12,512 No /11, 9/04, 1/96 $371,799 No /04, 1/96 $3,159 No /11, 9/04, 1/96 $6,949 No /11, 9/04, 1/96 $6,756 No /11, 9/04, 1/96 $9,947 No /11, 9/04, 1/96 $19,985 No 144

154 FEMA RL # Flood Dates of Previous Claims 145 Average Claim Paid Mitigated? /11, 9/04, 1/96 $15,032 No /11, 9/04, 1/96 $6,275 No /11, 9/04, 1/96 $5,778 No /11, 9/04, 3/03 $35,189 No Identified Flood Cause: Flooding of the Susquehanna River; flash flooding from short-duration, intense rainfall. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area /04, 1/96 $8,131 No /11, 9/04, 1/96 $10,092 No /11, 9/04, 1/96 $28,548 No /11, 9/04, 1/96 $6,034 No /11, 9/04, 1/96 $2,819 No /04, 1/96 $27,666 No /11, 9/04, 1/96 $75,512 No /11, 9/04, 1/96 $5,663 No

155 FEMA RL # Flood Dates of Previous Claims Average Claim Paid Mitigated? /11, 9/04, 1/96 $34,038 No /11, 9/04, 1/96 $3,446 No /04, 1/96 $3,849 No /11, 9/04, 1/96 $6,361 No /04, 1/96 $8,976 No /11, 9/04, 1/96 $7,435 No /04, 1/96 $21,251 No /11, 9/04, 1/96 $17,611 No /11, 9/04, 1/96 $87,121 No /11, 4/11, 9/04, 1/96 $5,601 No /11, 9/04, 1/96 $50,887 No /11, 9/04, 1/96 $21,155 No 146

156 FEMA RL # Flood Dates of Previous Claims Average Claim Paid Mitigated? /11, 9/04, 1/96 $17,018 No /11, 9/04, 1/96 $8,825 No /11, 7/06, 1/96 $12,469 No Identified Flood Cause: Flooding of the Susquehanna River; flash flooding from short-duration intense rainfall. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area /11, 9/04 $6,412 No /11, 9/04 $2,081 No /11, 9/04 $7,001 No /11, 9/04 $8,348 No /11, 9/04 $10,903 No /11, 9/04 $7,285 No /11, 9/04 $18,608 No /11, 8/11 $33,485 No Identified Flood Cause: Flooding of the Susquehanna River; flash flooding from short-duration, torrential rainfall. The cause of flooding for this area is commensurate with the flood risk reflected on the FEMA Flood Insurance Rate Map for this area. 147

157 FEMA RL # Flood Dates of Previous Claims Average Claim Paid Mitigated? /11, 9/04 $6,807 No /11, 9/04 $15,581 No /11, 9/04 $7,924 No /11, 9/04 $6,882 No /11, 9/04 $12,255 No /11, 9/04 $2,783 No /11, 9/04 $7,914 No /11, 9/04 $37,021 No /11, 9/04 $17,797 No /11, 9/04 $19,311 No /11, 9/04 $27,264 No /11, 9/04 $7,100 No 148

158 FEMA RL # Flood Dates of Previous Claims Average Claim Paid Mitigated? /11, 9/04 $1,790 No /11, 9/04 $8,218 No 149

159 Figure 20. Susquehanna Township Repetitive Loss Area 150

160 Properties Included in Repetitive Loss Area A total of 239 properties with 315 insurable buildings have been identified in this repetitive loss area. Table 28 provides general information for each property, along with mitigation measures that could be employed to address repetitive flood losses. For private properties, the decision to implement the identified mitigation measures resides with the private property owner. These measures are recommended based on the flood risks, but owners are not obligated to implement them. Table 28. All Properties in the Susquehanna Township Repetitive Loss Area Number of Property Insurable Building Description ID Buildings Foundation Condition Probable Mitigation Measures SUS Slab Good Elevation, Insurance, Library, SUS Slab Good Elevation, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Fair Floodproofing, Acquisition, Insurance, Library, Outreach SUS Slab Good Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Slab Good Elevation, Insurance, Library, SUS Basement Fair Floodproofing, Insurance, Library, SUS Slab Good Elevation, Insurance, Library, SUS Basement Fair Floodproofing, Insurance, Library, SUS Slab Fair Elevation, Insurance, Library, SUS Basement Poor Floodproofing, Insurance, Library, SUS Slab Good Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Fair Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good 151 Floodproofing, Acquisition, Insurance, Library, Outreach SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library,

161 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Slab Good Elevation, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Acquisition, Insurance, Library, Outreach SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Fair Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Fair Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Slab Fair Elevation, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Fair Floodproofing, Insurance, Library, SUS Basement Fair Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Acquisition, Insurance, Library, Outreach SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, 152

162 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures SUS Basement Fair Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Fair Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Fair Floodproofing, Insurance, Library, SUS Slab Good Insurance, Library, SUS Slab Good Elevation, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good SUS Basement Fair 153 Floodproofing, Acquisition, Insurance, Library, Outreach Floodproofing, Acquisition, Insurance, Library, Outreach SUS Basement Fair Floodproofing, Insurance, Library, SUS Slab Fair Elevation, Insurance, Library, SUS Basement Fair Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Acquisition, Insurance, Library, Outreach SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Acquisition, Insurance, Library, Outreach

163 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Fair Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Slab Fair 154 Acquisition, Elevation, Insurance, Library, Outreach SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Slab Fair Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Fair Floodproofing, Insurance, Library, SUS Basement Fair Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Fair Floodproofing, Insurance, Library, SUS Basement Fair Floodproofing, Insurance, Library, SUS Slab Fair Insurance, Library, SUS Basement Fair Floodproofing, Insurance, Library, SUS Basement Fair Floodproofing, Acquisition, Insurance, Library, Outreach SUS Basement Fair Floodproofing, Insurance, Library, SUS Basement Good SUS Basement Good Floodproofing, Acquisition, Insurance, Library, Outreach Floodproofing, Acquisition, Insurance, Library, Outreach SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Fair Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library,

164 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good 155 Floodproofing, Acquisition, Insurance, Library, Outreach SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Fair Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Fair Floodproofing, Acquisition, Insurance, Library, Outreach SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good SUS Basement Good Floodproofing, Acquisition, Insurance, Library, Outreach Floodproofing, Acquisition, Insurance, Library, Outreach SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Slab Good Insurance, Library, SUS Slab Fair Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Fair Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Fair Floodproofing, Insurance, Library, SUS Basement Fair Floodproofing, Insurance, Library,

165 Property ID Number of Insurable Buildings Building Description SUS Basement Fair Foundation Condition Probable Mitigation Measures Floodproofing, Acquisition, Insurance, Library, Outreach SUS Basement Fair Floodproofing, Insurance, Library, SUS Basement Fair Floodproofing, Acquisition, Insurance, Library, Outreach SUS Slab Good Insurance, Library, SUS Slab Fair Insurance, Library, SUS Slab Fair Elevation, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Slab Good Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Slab Good Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Slab Good Insurance, Library, SUS Slab Good Insurance, Library, SUS Slab Good Insurance, Library, SUS Slab Good Insurance, Library, SUS Slab Good Elevation, Insurance, Library, SUS Slab Good Insurance, Library, SUS Slab Good Elevation, Insurance, Library, SUS Slab Good Elevation, Insurance, Library, SUS Slab Good Elevation, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Slab Good Insurance, Library, SUS Slab Good Acquisition, Insurance, Library, SUS Slab Good Insurance, Library, SUS Slab Good Insurance, Library, SUS Slab Good Insurance, Library, SUS Slab Fair Insurance, Library, SUS Slab Good Acquisition, Insurance, Library, SUS Slab Good Insurance, Library, SUS Slab Good Insurance, Library, SUS Slab Good Insurance, Library, SUS Slab Good Elevation, Insurance, Library, 156

166 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures SUS Slab Fair Elevation, Insurance, Library, SUS Slab Fair Acquisition, Insurance, Library, SUS Slab Fair Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Fair Floodproofing, Insurance, Library, SUS Slab Fair Elevation, Insurance, Library, SUS Basement Fair Floodproofing, Insurance, Library, SUS Basement Fair Floodproofing, Insurance, Library, SUS Basement Fair Floodproofing, Insurance, Library, SUS Slab Fair Elevation, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good SUS Basement Good Floodproofing, Acquisition, Insurance, Library, Outreach Floodproofing, Acquisition, Insurance, Library, Outreach SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Acquisition, Insurance, Library, Outreach SUS Slab Fair Elevation, Insurance, Library, SUS Slab Good Elevation, Insurance, Library, SUS Slab Good Elevation, Insurance, Library, SUS Basement Good Floodproofing, Acquisition, Insurance, Library, Outreach SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Acquisition, Insurance, Library, Outreach SUS Basement Fair Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Acquisition, Insurance, Library, Outreach SUS Slab Good Elevation, Insurance, Library, SUS Slab Good Elevation, Insurance, Library, SUS Slab Good Elevation, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, 157

167 Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures SUS Basement Fair Floodproofing, Insurance, Library, SUS Basement Fair Floodproofing, Insurance, Library, SUS Basement Fair Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Slab Fair Insurance, Library, SUS Slab Good Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Acquisition, Insurance, Library, Outreach SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Floodproofing, Insurance, Library, SUS Basement Good Total 315 Floodproofing, Acquisition, Insurance, Library, Outreach 158

168 Upper Paxton Township Repetitive Loss Area Problem Statement Figure 21 shows the Upper Paxton Township Repetitive Loss Area, which is coterminous with the 1- percent annual chance floodplain of the Susquehanna River in Upper Paxton Township. Identified Repetitive Loss Properties Table 29 lists the FEMA-designated repetitive loss properties within this repetitive loss area. Table 29. Repetitive Loss Properties in the Upper Paxton Township Repetitive Loss Area FEMA RL # Flood Dates of Previous Claims Average Claim Paid Mitigated? /11, 9/04, 1/96 $15,604 No /11, 9/04 $14,176 No 159

169 Figure 21. Upper Paxton Township Repetitive Loss Area 160

170 Properties Included in Repetitive Loss Area Nine properties with 34 insurable buildings have been identified in this repetitive loss area. Table 30 provides general information for the property, along with mitigation measures that could be employed to address repetitive flood losses. For private properties, the decision to implement the identified mitigation measures resides with the private property owner. These measures are recommended based on the flood risks, but owners are not obligated to implement them. Table 30. All Properties in the Upper Paxton Township Repetitive Loss Area Property ID Number of Insurable Buildings Building Description Foundation Condition Probable Mitigation Measures UPT Basement Good Floodproofing, Insurance, Library, Outreach UPT Basement Good Floodproofing, Insurance, Library, Outreach UPT Basement Good Floodproofing, Insurance, Library, Outreach UPT Slab Good Insurance, Library, UPT Basement Good Floodproofing, Insurance, Library, Outreach UPT Crawlspace Good Elevation, Insurance, Library, UPT Slab Fair Relocation, Elevation, Insurance, Library, UPT Basement Fair, Good Floodproofing, Insurance, Library, Outreach UPT Slab Good Insurance, Library, Total

171 Part 3 Repetitive Loss Area Action Plan