Flood Mitigation Workgroup Kickoff Meeting Metro Hall, Room 106 May 11, 2015
Flood Mitigation Workgroup May 11, 2015 Agenda 1. Opening and Introductions Greg Heitzman (MSD) 5 min 2. Workgroup Roles (Chair/Leader, Recorder, etc.) and Ground Rules 10 min 3. Purpose and Scope of Flood Mitigation Workgroup 10 min 4. Metro Flood Ordinance Brian Bingham (MSD) 10 min 5. April 3rd, 2015 Rain & Flood Information David Johnson & Lori Rafferty (MSD) 10 min 6. Options for immediate Relief Jim McKinney (Metro EMA). 10 min 7. Workgroup Input and Discussion (Workgroup Members) 15 min 8. Future Meeting Topics Greg Heitzman (MSD) 5 min 9. Future Meeting Schedule Greg Heitzman (MSD) 5 min 10. Public and Media Inquiry Greg Heitzman (MSD) 10 min
Workgroup Roles & Ground Rules Workgroup Roles: 1. Membership established by Mayor, Metro Council President and MSD 2. Leader 3. Recorder & Time Keeper Draft Ground Rules: 1. All meetings open to the public at a publically accessible location (Metro, MSD, etc) 2. Agenda Provided 24 hours in advance on Workgroup meeting 3. Workgroup will prepare minutes of each meeting 4. Workgroup Decisions & Recommendations are to be made by consensus. 5. Attend all meetings or send a designated representative (advise Workgroup leader in advance) 6. Workgroup can designate Subject Matter Experts as Workgroup Resource Members 7. One person speaks at a time and Leader may request the member speaking to stay focused on the topic 8. Treat each other with respect and actively listen to understand other s perspectives 9. Electronic and written communications are subject to Kentucky Open records law 10. Turn off all cell phones or place cell phones on silent during meetings 11. 12.
Purpose and Scope of Flood Mitigation Workgroup Part 1 Develop 30 Day Plan and Recommendations to address immediate and emergency needs of property owners impacted by the April 3, 2015 rain event and associated flooding. Part 2 Develop Long Range Plan and Recommendations to mitigate the impact of major storm events on the estimate 12,500 homes located within flood prone areas and subject to repeated storm events. Deliver recommendations in 4-6 months.
METRO LOUISVILLE FLOOD PLAIN ORDINANCE Brian Bingham Louisville MSD
National Flood Insurance Program (NFIP) A voluntary program based on a mutual agreement between the federal government and the local community. In exchange for adopting and enforcing a floodplain management ordinance, federally-backed flood insurance is made available to property owners throughout the community. Louisville metro began participating in 1978. The NFIP should be viewed as a public safety program at the local level.
Community Rating System Basics Louisville began participating in the CRS program 1990 Voluntary FEMA program, modeled on the fire insurance rating system Communities rated by efforts to: regulate, educate, and map floodplain management above national standards Residents rewarded with flood insurance premium discounts according to class rating Louisville Metro has Class 4 Rating (30% discount ($1.69M) on flood insurance premiums). Scheduled to move to Class 3 with 35% ($1.97M) discount.
Flood Insurance Premiums 5,096 Policies in Force Discount Total Premium Totals Average Premium CRS Class 10 with no discount None $6.24 M $1,225 CRS Class 9 with 5% discount $292 k $5.95 M $1,167 CRS Class 8 with 10% discount $569 k $5.67 M $1,113 CRS Class 7 with 15% discount $846 k $5.39 M $1,059 CRS Class 6 with 20% discount $1.14 M $5.10 M $1,001 CRS Class 5 with 25% discount $1.42 M $4.82 M $947 CRS Class 4 with 30% discount $1.69 M $4.55 M $892 CRS Class 3 with 35% discount $1.97 M $4.27 M $838 CRS Class 2 with 40% discount $2.25 M $3.99 M $784 CRS Class 1 with 45% discount $2.52 M $3.72 M $729
Biggert-Waters Act 2012/ HFIAA 2014 Biggert-Waters Act of 2012 Phased out subsidized rates for flood insurance quickly or immediately in certain situations Flood insurance premiums to be based on real risk Homeowner Flood Insurance Affordability Act (HFIAA) of 2014 Phases out subsidies more slowly, but eventually based on real risk 18% max for primary residences 25% max for non-primary residences, repetitive loss, and commercial buildings
Flood Insurance Example Getting to full-risk rate assuming 18% increase: Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 $2,968 $3,502 $4,133 $4,877 $5,754 $6,790 $7,922 Reaches full-risk rate in Year 7 Assumes pre-firm home, 3 below flood elevation, AE zone, Slab, $200,00 building, $80,000 contents
National Flood Insurance Program/ Floodplain Ordinance 1978 Louisville joined National Flood Insurance Program Floodplain regulations in Article 13 of the Land Development Code 1987 - Local Ordinance establishes MSD as local stormwater utility 1997 1st Floodplain Ordinance passed 2006 Current version of Floodplain Ordinance passed
Louisville Floodplain Ordinance Required to participate in NFIP (Flood Insurance, Federal Financing and Grants, Federal Disaster Assistance) Regulates new & existing development Must meet minimum NFIP standards (44 CFR) Must be at least as restrictive as state regulations (401 KAR 4:060) MSD serves as the floodplain coordinator and administering agency (issues floodplain permits)
Substantial Improvement / Damage 50% Rule Any combination of repairs, reconstruction, alteration, additions or improvements to existing development, taking place 1997 Ordinance established cumulative total maximum of 50% for life of structure During a ten-year rolling period and begun on or after January 1, 2006 in which the cumulative cost equals or exceeds 50% of the market value of the structure. 50% Rule mainly applies to Pre-FIRM structures not in compliance with the ordinance
Increased Cost of Compliance (ICC) Eligibility Up to $30,000 Substantial Damage (50% or more) Repetitive Loss (two floods in 10 years with average cost of 25% of value) Options Elevate home Relocate home Demolish home Flood-proofing for commercial properties only
Enforcement and Compliance Regulatory Requirements of the NFIP NFIP Compliance, including audits FEMA Monitors Community Enforcement Enforcement Communities which allow violations of floodplain regulations or have program deficiencies Non-compliant communities subject to enforcement audit May include Probation or Suspension
Probation FEMA has procedures in place to conduct an enforcement action in order to obtain compliance by the community FEMA will send formal notification about violations and deficiencies in the administration and enforcement of NFIP local floodplain management regulations An additional $50 dollar premium will be charged on policies sold or renewed during the probation period Suspension of CRS program discounts The maximum probation period is one year
Suspension If the community fails to take remedial measures during the period of probation, the community may be suspended from the NFIP FEMA's removal of an NFIP participating community from the program because the community has not enacted and/or enforced the proper floodplain management regulations West Point, KY -- violations after 1997 Flood
NFIP Compliance Summary Probation $50 surcharge per policy Apply pressure to comply Suspension of CRS program discounts Maximum probation period is 1 year Suspension No new policies or renewals No Federally related financing or grants No Federal disaster assistance or aid in floodplains for individuals or public assistance
APRIL 3, 2015 STORM AND FLOOD INFORMATION David Johnson and Lori Rafferty Louisville MSD
October 6, 2013 6.5 inches of Rain
April 3, 2015 Rain Event
John Gordon, National Weather Service Louisville
Photos of 2015 Flooding Event Preston Hwy & McCawley Road Fern Valley Hotel (Formerly Holiday Inn) National Turnpike & Fairdale Road Grade Lane @ Northern Ditch Whipps Mill Road @ Beargrass Creek Outer Loop East of New Cut Road
Photos of 2015 Flooding Newburg Metro Facility Newburg Metro Facility Gardiner Lake Drive Water Recue at Sutherland Water Rescue at Sutherland Road Washout on Hwy 22
Substantially Damaged Structures through 5/11/15 Council District Street Name Suffix Approval Date Cost of Improvement Building Assessment % Damaged/ Improved % To Date Catheen Way $34,885.10 $57,090.00 61.1% 61.1% Catheen Way $30,779.59 $58,730.00 52.4% 52.4% 21 10/17/2013 $16,459.63 $65,900.00 25.0% 25.0% Catheen Way $46,684.50 $65,900.00 70.8% 95.8% Catheen Way 10/14/2013 $42,249.18 $85,110.00 49.6% 49.6% $33,306.78 $85,110.00 39.1% 88.8% Delaware Dr $24,194.56 $61,300.00 39.5% 39.5% $23,964.22 $61,300.00 39.1% 78.6% 2 Delaware Dr $42,654.25 $46,900.00 90.9% 90.9% W. Indian Trl 10/29/2013 $24,136.01 $64,990.00 37.1% 37.1% $20,101.65 $64,990.00 30.9% 68.1% 11/5/2013 $19,126.25 $64,120.00 29.8% 29.8% W. Indian Trl $27,090.02 $64,120.00 42.2% 72.1% 21 $23,018.98 $100,750.00 22.8% 22.8% W. Indian Trl 10/15/2013 $18,123.34 $100,750.00 18.0% 40.8% $18,241.04 $100,750.00 18.1% 58.9% W. Indian Trl $32,255.68 $55,770.00 57.8% 57.8% 26 Medford Ln 11/27/2013 $18,561.01 $62,140.00 29.9% 29.9% $20,000.00 $62,140.00 32.2% 62.1% Riverside Dr 6/1/2011 $57,800.00 $127,880.00 45.2% 45.2% $51,410.72 $154,730.00 33.2% 78.4% Riverside Dr 5/13/2011 $32,968.22 $115,000.00 28.7% 28.7% $81,132.45 $151,170.00 53.7% 82.3% 6/24/2011 $23,197.00 $203,063.00 11.4% 11.4% 7 7/14/2011 $45,812.06 $203,063.00 22.6% 34.0% Riverside Dr 10/30/2013 $30,102.00 $203,063.00 14.8% 48.8% $25,000.00 $208,690.00 12.0% 60.8% 10/5/2009 $26,622.97 $103,650.00 25.7% 25.7% Riverside Dr 5/20/2011 $38,075.00 $215,000.00 17.7% 17.7% $50,143.48 $129,750.00 38.6% 56.4% Whispering Hills Blvd 10/24/2013 $27,800.00 $60,660.00 45.8% 45.8% $44,529.56 $60,660.00 73.4% 119.2% 24 Whispering Hills Blvd $40,048.23 $72,940.00 54.9% 54.9% Whispering Hills Blvd 11/12/2013 $33,514.83 $87,900.00 38.1% 38.1% $39,828.03 $87,900.00 45.3% 83.4% < 25% 25%-50% >50%
Example of Substantially Damaged Structure Street Name Suffix Approval Date Cost of Improvement Building Assessment % Damaged/ Improved % To Date Riverside Dr 6/1/2011 $57,800.00 $127,880.00 45.2% 45.2% $51,410.72 $154,730.00 33.2% 78.4%
FEMA GRANT ASSISTANCE Jim McKinney, Metro EMA FEMA Grant Process President s Emergency Declaration for Kentucky Hazard Mitigation Grant Program Pre-Disaster Mitigation Immediate Relief (Temporary Housing, Cleanup Costs, Loans)
Workgroup Input and Discussion Workgroup Input Workgroup Questions Workgroup Comments Workgroup Discussion
Future Meeting Topics 1. Historical Rain Events since 1937 2. Roles of Public Agencies (FEMA, Metro, MSD, Corps) 3. FEMA Flood Mapping 4. FEMA Flood Insurance and Community Rating System 5. Metro Flood Plan Ordinance Changes/Amendments 6. Cost of Mitigation (pipes, pump, basins, buyouts) 7. Benchmarking with other Cities 8. Funding Sources for Mitigation 9. Workgroup Recommendations 10. 11. 12.
Future Meeting Schedule 1.Weekly for Part 1 2.Every 3-4 weeks for Part 2 3.Meeting Location
Public Input and Media Public Questions/Comments Media Questions