COASTALRISK FLOODANDNATURALHAZARDRISKASSESSMENT Commercial September 7, 2018 THISREPORTISPROVIDEDSUBJECTTOTHECOASTALRISKCONSULTING,LLC.TERMSANDCONDITIONSOFUSE,WHICHIS AVAILABLEATWWW.COASTALRISKCONSULTING.COM.THISANALYSISISFURNISHED ASIS FORTHEPERSONALUSEOFTHE CONSUMERASOFTHEDATEPROVIDED,ISAPPLICABLEONLYFORTHEADDRESSORADDRESSESPROVIDEDBYTHE CONSUMERANDISNOTTRANSFERABLEORASSIGNABLETOANYOTHERENTITY. 1
TABLE OF CONTENTS Figure 1) CRC - Heavy Rainfall Flood Risk Figure 2) CRC - Annual Flood Chance Figure 3) CRC - Tidal Flood Risk (2018) Figure 4) CRC - Storm Surge Risk (Cat 1) Figure 5) CRC - Storm Surge Risk (Cat 3) Figure 6) CRC - Storm Surge Risk (Cat 5) Base Housing Example - Heavy Rainfall Flood Risk Base Housing Example - FEMA Flood Zones + CRC Annual Chance Base Housing Example - Risk Categories Base Housing Example - Tidal Flooding Base Housing Example - Storm Surge Pg. 3 Pg. 4 Pg. 5 Pg. 6 Pg. 7 Pg. 8 Pg. 10 Pg. 11 Pg. 12 Pg. 13 Pg. 14 2
Heavy Rainfall Flood Risk INSET HEAVY RAINFALL FLOOD RISK Low Moderate High Very High 5,000 3
CRC ANNUAL FLOOD CHANCE INSET ANNUAL FLOOD CHANCE <0.2% (Low) 0.2% -1% (Moderate) 1% -5% (High) 5% -20% (Higher) 20% -100% (Highes t) 1% 5,000 4 FloodandNaturalHazardRis kas s es s ment
Tidally Influenced Flooding Tidally Influenced Flooding INUNDATION OVERVIEW: The area highlighted in BLUE within the property outline should expect "FLOOD DAYS" as indicated. 2018 5,000 5
Storm Surge Category 1 Maximum Possible Hurricane Storm Surge (2018) Annual probability of Category 1 winds and higher: 4% Annual probability of Category 3 winds and higher: 1% NAVD88 - North American Vertical Datum of 1988 AGL - Above Ground Level INUNDATION 0-1 ft 1-2 ft 2-4 ft 4-8 ft 8-12 ft > 12 ft SURGE HEIGHT: 7.9 FT (NAVD88) Category 1 MAX INUNDATION: 6.4 FT (AGL) 5,000 6
Storm Surge Category 3 Maximum Possible Hurricane Storm Surge (2018) Annual probability of Category 1 winds and higher: 4% Annual probability of Category 3 winds and higher: 1% NAVD88 - North American Vertical Datum of 1988 AGL - Above Ground Level INUNDATION 0-1 ft 1-2 ft 2-4 ft 4-8 ft 8-12 ft > 12 ft SURGE HEIGHT: 16.4 FT (NAVD88) Category 3 MAX INUNDATION: 14.9 FT (AGL) 5,000 7
Storm Surge Category 5 Maximum Possible Hurricane Storm Surge (2018) Annual probability of Category 1 winds and higher: 4% Annual probability of Category 3 winds and higher: 1% NAVD88 - North American Vertical Datum of 1988 AGL - Above Ground Level INUNDATION 0-1 ft 1-2 ft 2-4 ft 4-8 ft 8-12 ft > 12 ft SURGE HEIGHT: 24.4 FT (NAVD88) Category 5 MAX INUNDATION: 22.9 FT (AGL) 5,000 8
COASTALRISK FLOODANDNATURALHAZARDRISKASSESSMENT Base Housing September 7, 2018 THISREPORTISPROVIDEDSUBJECTTOTHECOASTALRISKCONSULTING,LLC.TERMSANDCONDITIONSOFUSE,WHICHIS AVAILABLEATWWW.COASTALRISKCONSULTING.COM.THISANALYSISISFURNISHED ASIS FORTHEPERSONALUSEOFTHE CONSUMERASOFTHEDATEPROVIDED,ISAPPLICABLEONLYFORTHEADDRESSORADDRESSESPROVIDEDBYTHE CONSUMERANDISNOTTRANSFERABLEORASSIGNABLETOANYOTHERENTITY.
Heavy Rainfall Flood Risk INSET HEAVY RAINFALL FLOOD RISK Low Moderate High Very High 800 10
FEMA Flood Zones FEMA FLOOD ZONES CRC ANNUAL FLOOD CHANCE 1% (A) 1% (AE) 1% (AH) 1% (AO) D 1% (VE) 0.2% (X 500,SHADED) <0.2% (X,UNSHADED) OPENWATER AREANOTINCLUDED <0.2% (Low ) 0.2% -1% (Moderate) 1% -5% (High) 5% -20% (Higher) 20% -100% (Highes t) A portion of this Property is in Zone AO, a BFE is Not Available FEMA Flood Zones AO X VE 16 BFE AE 6 BFE CRC Annual Flood Chance 990 1% <0.2% 990 11 FloodandNatural HazardRis kas s es s m ent
RiskCategories Wind Zone: III Tornado Risk: 1 per year ZONEI 160mph ZONE I 200mph Moderate 1-5 High 6-10 ZONE1 130mph ZONEIV 250mph Low 0-1 VeryHigh >10 Design buildin gcoderequiremen tscan belocatedat https://hazards.atcouncil.org Thisarea(1000sq.mi.)records1torn adoperyear an discon sideredlow risk Community Rating Score: 6 Thispropertyiseligiblefora20% reduction in floodin suran ce Wildfire Potential: Moderate Earthquake Intensity: 1% g Moderate High Moderate 4 9%g VeryStron g 10 34%g Low VeryHigh Light 0 3%g Severe >34%g WildfireHazardPoten tial(whp)isaqualitativ e measureofw ildfirelikelihoodan din ten sity Thisareaislikelytoexperien ce Lightgroun dshakin gin then ext50years Property Elevation: Special Flood Hazard Area (SFHA): This property is in a SFHA The land elevation within the property boundary ranges from 1.5 ft to 11.2 ft (NAVD88). The average elevation of this property is 5.9 ft (NAVD88). 12 Floodan dnaturalhazardriskassessmen t
Tidally Influenced Flooding Tidally Influenced Flooding INUNDATION OVERVIEW: The area highlighted in BLUE within the property outline should expect "FLOOD DAYS". 2018 1,250 2033 1,250 2048 1,250 13 FloodandClimateRiskAssessment
Storm Surge Maximum Possible Hurricane Storm Surge (2018) Annual probability of Category 1 winds and higher: 4% Annual probability of Category 3 winds and higher: 1% NAVD88 - North American Vertical Datum of 1988 AGL - Above Ground Level INUNDATION 0-1 ft 1-2 ft 2-4 ft 4-8 ft 8-12 ft > 12 ft SURGE HEIGHT: 7.9 FT (NAVD88) Category 1 MAX INUNDATION: 6.4 FT (AGL) 1,250 SURGE HEIGHT: 16.1 FT (NAVD88) Category 3 MAX INUNDATION: 14.6 FT (AGL) 1,250 SURGE HEIGHT: 24.1 FT (NAVD88) Category 5 MAX INUNDATION: 22.6 FT (AGL) 1,250 14
COASTAL RISK Sources /Hyperlinks 1) HEAVY RAINFALL - Soils, groundwater and soil runoff data from the Natural Resources Conservation Service is used to assign risk to our proprietary flood hotspot methodology. 2) FEMA FLOOD ZONES - Flood zones are geographic areas that FEMA has defined according to varying levels of flood risk. These zones are depicted on a community's Flood Insurance Rate Map (FIRM) or Flood Hazard Boundary Map. Each zone reflects the severity or type of flooding in the area. 3) FEMA WIND ZONES - The United States is divided into four Wind Zones created by FEMA. These are put into place for the construction throughout the country. Buildings in their respective Wind Zones must be able to withstand the max wind speed as indicated by FEMA. 4) COMMUNITY RATING SYSTEM - The Community Rating System (CRS) awards points for steps taken by municipalities to manage the flood plain to reduce the community's risk. Flood insurance rates are discounted within participating municipalities that have accumulated points for steps taken, thereby saving on home owner's flood insurance, as well as insurance on municipal infrastructure. 5) HURRICANE STORM SURGE - NOAA Slosh Grids are utilized to compute Maximum Inundation levels for each property. We use Slosh Grid high estimate for all hurricane category illustrations. 6) HURRICANE STRIKE PROBABILITY - Hurricane Strike statistics are derived from 110 years of climatological data from the National Hurricane Center. 7) TIDALLY-INFLUENCED FLOODING - The nearest NOAA Tidal Gauge data to your property is acquired to determine Sea Level Rise for your area. 8) WHAT IF I GET AN ELEVATED FLOOD SCORE? A LOW Flood Score result indicated in Green, signifies that the property will experience less than 3 days of flooding per year. A MEDIUM Flood Score result indicated in Yellow, signifies that the property will experience at least 3 days of flooding per year. A MEDIUM/HIGH Flood Score result indicated in Orange, signifies that the property will experience at least 10 days of flooding per year. A HIGH Flood Score result indicated in Red, signifies that the property will experience at least 30 days of flooding per year. 9) TWO COASTAL FLOOD INUNDATION MAPS - WHICH SHOULD I USE? A comparison of the FEMA Flood Zones derived from the Flood Insurance Rate Map (FIRM) on Page 5 and the Storm Surge Inundation Maps (SSIMs) derived from the NOAA (SLOSH) models on Page 8. 10) WILDFIRE POTENTIAL - Based on the USDA Forest Service s Wildland Fire Potential (WFP) mapping product. 11) TORNADO FREQUENCY - Tornado Frequency is based on the NOAA National Weather Service (NWS) Storm Prediction Center s (SPC) severe report database which compiles tornado paths from 1950-2016. 12) EARTHQUAKE INTENSITY - Based on the USGS Earthquake Hazard Program - National Seismic Hazard Mapping Project (NSHMP) and depicts areas using peak ground acceleration (PGA) as its parameter and standard gravity (g) as its measure. 13) COASTAL RISK CONSULTING, LLC. TERMS AND CONDITIONS Floodan dnaturalhazardriskassessmen t
Shorelines just got safer with Coastal Risk s flood impact analyses. -American Business Awards WHAT TO DO IF MY PROPERTY HAS A HIGH FLOOD SCORE? Buy? Sell? Protect? Insure? What does a high flood score mean? Getting a high flood score does not necessarily mean that the property cannot be protected from flooding. First, we look at what flood score or scores were high riverine, heavy rainfall, hurricane storm surge, tidal flooding with sea level rise or a combination of risks? What is your status? Are you the owner of the property? A potential buyer? Investor or lender? Insurance agent or carrier? A high flood score will have different meanings to different types of customers. Frequency of Risk With regard to riverine, hurricane storm surge, and tidal flooding, your flood score will provide you with the frequency of risk. For example a 1% per year risk is also stated by FEMA as the 100-year flood zone. But, this does not mean that this flooding will only occur once in a hundred years. The chance of this type of flooding occurring is 1% per year, every year. So, over a 30-year mortgage cycle, the chance of flooding occurring at the property is a 26% chance or approximately 1-in-4. When you think about it, if the FEMA 100-year flood zone means a 1-in-4 risk of flooding over the life of your mortgage, then, that is quite high. Every property owner in the FEMA 100-year flood zone should have flood insurance, whether they have a federally-insured mortgage or not. And, many people living in the FEMA 500-year flood zone should also have flood insurance, as was seen in 2017 with wide-spread, 500-year zone flooding in Houston with Hurricane Harvey. Houston Damaged Buildings in FEMA Flood Zones. Fair Market Values If your flood score shows mid to longer-term flood risks over a 30-year mortgage cycle, then, you should consider how long you plan to occupy the premises. If the property, streets, and neighborhood are floody now and, our modeling shows that this will be increasing in the future, then, the fair market value of the property may be declining over the mortgage cycle. Freddie Mac Economist Warns of Housing Crisis Caused by Sea Level Rise. Do I need flood insurance? Most homeowner s insurance policies DO NOT cover flood damage. A separate flood insurance policy is required for any property with a federally-insured mortgage that is located in a Special Flood Hazard Area (SFHA). Our reports will indicate whether this applies to you. Insurance is available through the National Flood Insurance Program (NFIP) and, in some cases, private flood insurance options may exist. The flood insurance premium rates will depend on the property s location in relation to a FEMA flood zone and any discounts that your community may have earned through participation in FEMA's Community Rating System (CRS). Private flood insurance options may consider the FEMA flood zones and other factors, as well, that are covered in your Flood Scores Report from Coastal Risk. Our reports have helped consumers save thousands in annual flood insurance premiums. www.floodscores.com 2018 Coastal Risk Consulting LLC
What about my neighborhood and community flood risks? The report that you received from www.floodscores.com is a risk assessment within your home or businesses property boundaries. The report may show little or high risk, but, no home or business is an island. Each property has to have ingress and egress that is not subject to flooding. Otherwise, you may be stuck in your house for days or, your employees may not be able to get to work. If you are a potential homebuyer, you may wonder: How will I get my kids to school? How will I get to the market and, will the market s parking lot be flooded? Different types of flooding can affect your neighborhood differently over time. If you are concerned about neighborhood and community flood risks affecting your home or business, we can produce wider angle, flood risk reports on a custom basis. Working together, we can model the boundaries and roadways that are of concern to you. If I install flood protections or barriers, will they be effective? Coastal Risk s software is uniquely capable of measuring the effectiveness of proposed flood protection devices and systems before they are installed in residential, commercial or governmental buildings. This will provide you comfort as you weigh the pros and cons of investments in flood prevention and resilience. General Guidance Maintain your home and yard. Debris can clog storm drains and increase flooding on your property. Keep storm drains on and near your land clear of debris. If you have a septic tank, have it inspected and pumped regularly. Clean out storage areas in garages, basements, and under elevated structures to avoid contaminating floodwater with household chemicals. Make improvements to reduce the potential for damage. Elevate electrical and climate systems. Raise circuit breakers and wiring. Elevate your furnace, water heater and washer/dryer above your property s flood level. Fuel tanks, air-conditioning units and generators should be raised and anchored. Modify water and sewer valves. Storms and rising tides can cause your community s sewer system to flood, which can cause sewage to back up into your home. Consider installing backflow valves. Evaluate landscaping to drain water away from the foundation. If you are near the coast, consider salt-tolerant vegetation. Install flood vents or waterproof veneer to prevent water from entering inside or cracking your home s foundation. If you would like to consult with one of our experts at Coastal Risk Consulting about your report please contact us at 844-SEA-RISE (732-7473) or customerservice@coastalriskconsulting.com. We would be pleased to answer your questions. If you need other experts to help with flood protections, such as architects and engineers, flood barrier companies, contractors, or, even insurance agents, we have strategic partners ready to assist you. www.floodscores.com 2018 Coastal Risk Consulting LLC