State of Illinois Flood Damage Assessment Packet

State of Illinois Flood Damage Assessment Packet A cooperative effort by: Illinois Department of Natural Resources Office of Water Resources Illinois Emergency Management Agency Federal Emergency Management Agency 2011 update Includes Information On: Steps to take following a flood Substantial damage determinations Blank damage assessment worksheets FEMA Substantial Damage Estimator (SDE) Damage Assessment Field Worksheet Sample letter Sample notice Sample press release Information on mitigation programs

FOLLOWING A FLOOD All local floodplain ordinances in Illinois require permits for the repair or reconstruction of flood damaged structures. The local manager must ensure that the repair of a damaged structure meets the floodplain permit requirements. Following a flood event, the local administrator should follow these five steps: Step 1: Contact the Illinois Department of Natural Resources /Office of Water Resources (IDNR/OWR or the Federal Emergency Management Agency (FEMA). Both offices have experience, materials, and guidance to help you carry out your floodplain management responsibilities. Make use of their help and expertise! Step 2: Identify those structures believed to be substantially damaged and begin doing damage assessments. Local officials should tour flooded areas and identify every structure which has had flooding as well as those with obvious structural damage. Damaged buildings should be marked on a map of the community and photographed for future reference. Tag each structure with the notice included in this packet so residents are aware of the post flood permit requirements. A sample press release is also included with this packet. Damage assessments can be difficult. Local officials should inspect every flood damaged building and calculate the cost of repairs. The FEMA Damage Estimator available to help make these determinations. The pre-flood market value of every flooded structure can quickly be estimated from the County Assessor s records. Step 3: Post information for the public on the local ordinance requirements for obtaining permits for repairs and rebuilding. Often repairs begin on flooded buildings before the water even recedes from the structure. Therefore, it is very important that this step take place as soon as possible. History shows that information normally spreads very fast among flood victims. Posted signs, flyers, notices on damaged structures, press releases, and letters mailed to individual owners can all be used for this purpose. Educate yourself on the damage assessment process, reconstruction methods, and available mitigation programs. Have a Floodplain Development Permit Application in hand and ready to distribute. Keep it simple. Be prepared for residents who are angry that they cannot start immediate repairs. Step 4: Provide technical information to residents on elevation and floodproofing techniques. After a flood is the perfect window of opportunity to ensure that flood damages do not occur again. Federal or state mitigation programs are often available. Contact the Illinois Emergency Management Agency. They are experts on mitigation programs. Technical manuals and guidance are available. Public meetings can be presented in flooded communities to introduce flood victims to the various options available to them. IDNR/OWR and IEMA will help with these meetings. Step 5: Implement a permit application procedure. At this point the community should be on its way to enforcing the floodplain ordinance. Those structures identified as substantially damaged (more than 50% of the pre-flood market value) should be red-tagged. Permits should not be issued until the structure is brought into compliance with floodplain regulations. Those with less than 50% damage can be issued permits to repair. 2

SUBSTANTIAL DAMAGE THE 50% RULE Communities participating in the National Flood Insurance Program (NFIP) have adopted, and are expected to enforce, a floodplain management ordinance. New structures located in a floodplain must be elevated above the base (or 100-year) flood elevation. The same flood protection and elevation regulations also apply to substantially damaged buildings. SUBSTANTIAL DAMAGE. Whenever a building located in a mapped floodplain area is damaged from any source (flood, fire, earthquake, wind, or man), the community must determine if that structure is substantially damaged. A building is substantially damaged when the cost of repairs are 50% or more of the structure s predamaged market value. Manufactured homes can be substantially damaged with as little as one foot of flooding. Frame buildings typically take three feet or more of flooding. If the building is found to be substantially damaged, the structure must be brought into compliance with the floodplain ordinance (in other words, protected from future flooding to at least the base flood elevation). The cost of repairs must be calculated for full repair to pre-damaged condition, even if the owner elects to do less. The total cost of repair includes structural and finish materials as well as labor. CUMULATIVE COST. Many communities in Illinois have now adopted ordinances which track cumulative damages. If a community has adopted this cumulative language, substantial damage occurs at the point where multiple damages or improvements total 50% of the original market value of the building. BUILDING VALUE. Building value is the market value of the structure only. Land and exterior improvements (pool, landscaping, walkways, etc.) are excluded. 3

BUILDING VALUE (cont.). Following a disaster most communities find it simplest and quickest to obtain the assessed value from the County Tax Assessor. This ensures a unified market value for everyone (since they have been paying taxes on this figure). Other acceptable methods of estimating market value include: Independent appraisals by a professional appraiser. Detailed estimates of the structure s Actual Cash Value (replacement cost minus deprecation). Property appraisals used for tax purposes. The value of the building based on insurance claims. Qualified estimates based on sound professional judgment made by staff of the local building department or local or state tax assessor s office. DETERMINATION OF FLOOD DAMAGE. The cost of repairs must be calculated for full repair to predamaged condition, even if the owner elects to do less. The total cost of repair includes structural and finish materials as well as labor. If local building codes require the structure to be repaired according to current codes these additional cost must be included in the full repair cost of the structure. ITEMS TO BE INCLUDED IN DAMAGE DETERMINTIONS: All structural elements including: Foundation footings and pilings Monolithic or other types of concrete slabs Bearing walls, tie beams and trusses Wood or reinforced concrete decking or roofing Floors and ceilings Attached decks and porches Interior partition walls Exterior wall finishes (e.g. brick, stucco, or siding) including painting and decorative moldings Windows and doors Reshingling or retiling a roof Hardware All interior finish elements, including: Tiling, linoleum, stone, hardwood or carpet over subflooring. Bathroom tiling and fixtures Wall finishes (e.g. drywall, painting, stucco, plaster, paneling, marble, or other decorative finishes) Kitchen, utility and bathroom cabinets Built-in bookcases, cabinets, and furniture Hardware

4 All utility and service equipment. including: Heating, ventilating, and air conditioning equipment Repair or reconstruction of plumbing and electrical services Light fixtures and ceiling fans Security systems Built-in kitchen appliances Central vacuum systems Water filtration, conditioning, or recirculation systems Electrical panel boxes Also: Labor, profit, and other costs associated with repairing building components. ITEMS TO BE EXCLUDED FROM DAMAGE DETERMINATIONS: Plans, specifications, survey and building permits Demolition costs associated with clean-up, debris removal, and preparation of the site Structural fill for elevating the building Plug-in type appliances such as washers, dryers, stoves, refrigerators, window air conditioners, or dehumidifiers. Detached structures such as garages, gazebos, and sheds Fences, sidewalks, and yard lights Swimming pools

5 SAMPLE HANOUT FOR RESIDENTS Information Regarding Cleanup of Damaged Structures within the Floodplain. Repairs to damaged buildings located within the (community s name) floodplain require a permit from the (community) building department and/or the (community) Floodplain Administrator. 1. You MUST obtain a building permit from (community name) before you repair, alter, or replace any of the following items: a. Roof b. Walls c. Siding d. Plaster e. Cabinets f. Flooring g. Electrical systems h. Plumbing i. Heating j. Air conditioning units k. Foundation 2. The permit office must conduct a damage assessment of the building. This inspection will determine if a structure is more than 50% damaged (substantially damaged). If a structure is found to be substantially damaged, the structure may not be repaired until it meets current flood protection requirements. It is imperative that the community permit office is contacted prior to taking any actions to repair damage related to the flood. 3. You may proceed with cleanup activities and temporary emergency repairs to prevent further deterioration, such as preventing the spread of mold and/or mildew, without a permit. These include: a. Removing and disposing of damaged contents, carpeting, wallboard, and insulation. b. Hosing and scrubbing, or cleaning floors, walls, and ductwork.

c. Covering holes in roofs or walls and covering windows to prevent the weather from inflicting further damage. d. Removing sagging ceilings, shoring up broken foundations, and other actions to make the building safe to enter. Prior to proceeding with cleanup activities that are allowed without a permit, you should thoroughly document the condition of the building by photographing the inside and outside of all areas that are being affected by the cleanup/emergency repairs. BUILDING REPAIRS AND STRUCTURAL IMPROVEMENTS ARE NOT ALLOWED WITHOUT A PERMIT FROM THE LOCAL BUILDING DEPARTMENT. SAMPLE DAMAGE ASSESSMENT WORKSHEET (long hand version) 1. Address: 2. Owner: Telephone Number 3. Occupant: Telephone Nunber 4. Insurance Coverage (Optional): Company Policy Number: Building: $ Contents: $ 5. Special Flood Hazard Area: Community I.D. #: FIRM Panel: FIRM Date: Flood zone: Base Flood Elevation Existing Lowest Floor Elevation: (if available) 6. Duration of Flooding: Days Hours 7. High Water Mark: A) Exterior Walls ft. B) Interior Walls ft. 8. Type of Structure: A) Exterior: 1) Plywood/Hardboard 5) Brick 2) Stucco 6) Concrete Block 3) Siding/Shingles 7) Other describe) 4) Masonry Veneer 6

C) Manufactured/Mobile Home: 1) Dimensions: a) single wide size x b) double wide size x 2) Skirting: yes no 9. Description of Structure: A) 1 story 2 story Tri-level 1 1/2 story Bi-level 3 or more B) Garage: attached detached Carport: attached detached C) Roofing: Metal/corrugated or ribbed Composition shingles Other: Describe D) Foundation: Slab-on-grade Crawlspace Basement (Finished Unfinished ) Poured walls Block walls Post-piers-piles E) Heating and Cooling: Forced air Wall furnace or baseboard Heat Pump Fireplace/wood burning stove Boiler Other F) Plumbing: Number of bathrooms: G) Built-In Appliances: List: 10. Description of Damage: A) Plumbing: 1) Is it exposed? 2) Does it need repair? B) HVAC/Electrical 1) Water depth ft. 2) Damaged (Repairable Replaced ) Use corresponding numbers given below to answer C-F below: 1. settlement/cracked 2. partially missing 3. sagging 4. dislodged/destroyed 5. submerged 6. include all the above 7. no damage 8. other: describe C) Foundation D) Exterior Walls

E) Interior Walls F) Roof 11. Overall condition of structure: A) Minor damage B) Major Damage C) Totally destroyed D) Structure off foundation 12. Determination of Substantial Damage 8 Cost of Repair Percent Damage = -------------------- = Value of Building In the event that the percent damage is equal to or greater than 50%, the building is substantially damaged. This building is substantially damaged and therefore must be elevated or floodproofed so that the lowest floor is protected at or above the elevation of the base flood. This building is not substantially damaged. This building can be repaired without having to be mitigated. elevation. This is a properly elevated structure and may be reconstructed at its existing Reviewed by: Date: Approved by: Date:

9 THE FEMA SUBSTANTIAL DAMAGE ESTIMATOR (SDE) FEMA has developed a computer program called the Substantial Damage Estimator (SDE) to assist local officials estimate building value and damage costs. This computer program is based on regulatory requirements of the NFIP and is intended to be used in conjunction with an industry accepted residential cost estimating guide (such as the Marshall-Swift or Means Guide). If your community has multiple structures which have been flooded, it is definitely worth your time to obtain the SDE and learn to use the program. It will save you much time and research. The SDE can be downloaded directly from the FEMA website or obtained by contact FEMA or IDNR/OWR. THE SDE CHEAT SHEET The SDE requires the inspector to estimate the percent of damage for various building components. The information compiled below can be used with the SDE worksheet for quickly calculating substantial damage. It is intended to be used as a screening tool so that the property owner is notified as soon as possible as to the potential status of his property. Often a more detailed assessment is warranted and more detailed damage percentages should be determined on an as-needed basis. Foundation These numbers can be revised downward if the inspector is reasonably assured no damages have occurred. Basement or crawlspace masonry foundations- 10% if minor hairline cracks and fractures or cosmetic (clean up, re-seal, paint, etc..) 50% if cracked, bowed, or fractured on one or more walls 100% if structural damage such as blow out or caved in walls Slab on Grade Foundations 10% damage unless the foundation is undermined. 30% if foundation is undermined 75% if foundation is broken or bowed Joist and Pier Foundations 15% damage for water depths exceeding height of floor 100% damage where building has moved from foundation

This criteria is based on foundations that are substantially intact and do not include damages caused by subsidence or shifting of the foundation. In some cases hydrodynamic forces has caused an upheaval in slab on grade foundations. In this circumstance, individual assessment will be required. Superstructure Walls 10% for water depths of 2 feet or less 25% for water depths of 2 to 4 feet 75% for water depths of more than 4 feet Structural damage resulting from wind or impact damage Lineal feet of damage divided by total lineal feet of wall will equal percentage Roof damage total square feet of roof damage divided by square footage of house will equal percentage Insulation and Weather-stripping 30% if waters less than 4 feet 60% if waters greater than 4 feet but less than ceiling height 100% if water above ceiling height Exterior Finish 30% if waters less than 4 feet 60% if waters greater than 4 feet but less than ceiling height 100% if water above ceiling height These number are based on hydro dynamic forces acting on the exterior walls of the structure. Some brick or brick veneer structures may have actual damages less than those shown. Interior Finish - based on interior finishes susceptible to flood damage 30% if waters less than 4 feet 60% if waters greater than 4 feet but less than ceiling height 100% if water above ceiling height Doors, Windows and Shutters 50% if waters greater than 2 inches 75% if waters greater than 4 feet $ 70.00 per individual window when other damage occurs Lumber Finished 50% if water greater than 1 inch 100 % if waters exceeding 4 feet Hardware 100% if waters exceeding 4 feet Cabinets and Countertops 20% if waters less than 3 inches 70% if waters greater than 3 inches less than 4 feet 100% if water exceeding 4 feet

Floor Coverings 100% if waters greater than 1 inch 20% for ceramic tile, brick, or concrete floors Plumbing 5% if waters less than 2 feet 30% if waters between 2 and 4 feet 50% if waters greater than 4 feet if the fixtures are not reused Floodwater will rarely damage plumbing pipes so this schedule is based on the cost of plumbing fixtures and the labor to install them. 11 Electrical 10% if waters greater than 2 feet and less than 4 feet 50% if waters greater than 4 feet and less than ceiling 100% if waters greater than ceiling height Some communities require the wiring to be replaced if they came in contact with flood waters. This schedule reflects replacement of fixtures and minimal wiring. Built in Appliances 100% if waters more than 3 feet Heating and cooling 30% if waters less than 3 feet 60% if waters greater than 3 feet but less than ceiling height If A/C unit is located in the attic this number will be reduced to 30% 100% if waters greater than ceiling height Painting 20% if waters less than 4 inches 50% if waters less than 4 feet 100% if waters greater than 4 feet Reflects interior and exterior painting of the surfaces in contact with the water and areas where the surfaces are replaced due to damage. This category also includes finishing of doors and trim that may have been replaced.

12 SDE DAMAGE FIELD INSPECTION WORKSHEET Single/Multi-Family Site Built Residences 1. Subdivision: Parcel # Lot # 2. Elevation of lowest floor: Datum: 3. NFIP Community Name: 4. Latitude: Longitude: 5. Owner s First Name: Last Name: 6. Building Address: City: State: Zip: Phone #: 7. County: 8. Mailing Address: City: State: Zip: Phone #: 9. Date of Construction: Date Damage Occurred: 10. Cause Of Damage: (A) Fire (B) Flood (C) Fire & Wind (D) Seismic (E) Wind 11. Duration of Flooding: (A) hours or (B) days 12. Description Of Residential Site-Built Modular Structure: (A) Quality of Construction: (1) Low (2) Fair (3) Average (4) Good (5) Very Good (6) Excellent (B) 1-story 1 ½-story 2-story More than 2 stories 2-Story Bi-level Split-level

(C) Foundation (check one): Slab-on-grade Basement Crawl space Piers Footings (D) Overall Dimensions of building foot print: Size (L) ft X (W) ft (E) Walls (check one) (1) Wood Frame (2) Masonry (3) Concrete Walls (4) Exterior Finish (Type) (5) Interior Finish (Type) (F) Roof: (1) Metal/Corrugated or ribbed: (2) Composition Shingles: (3) Other: (G) Heating/Cooling: (1) Forced Air (2) Warm and Cooled (3) Wall Furnace (4) Heat Pump (H) Flooring Floor Covering (Type) (I) Appliances (built-in only). List: (J) Fireplace: Yes No Quantity (K) Porch/Breezeways: Yes No (L) Garage: Attached Detached No. of cars: Carport: Attached Detached No. of cars: (M) Basement (check one): Finished Unfinished (N) Deck: Yes No 13. Name of Inspector: 14. Date of Inspection: Time of Inspection: 15. Phone Number of Inspector (including area code) 16. Description of Special Flood Hazard Area (SFHA): NFIP Community I.D.# FIRM Panel #: FIRM Suffix: Date of FIRM Panel: FIRM Zone: BFE (NGVD): 13

Regulatory Floodway: Yes No Potential 17. Flood Depth Above Lowest Floor (A) Exterior Walls ft (B) Interior Walls ft 14 19. CONDITION OF STRUCTURE: (Check one) (A) Inundation damage only (B) Minor structural damage (C) Major structural damage (D) Partially Collapsed (E) Structure Moved Off Foundation (F) Totally Destroyed/Collapsed 20. DESCRIPTION OF DAMAGE: (Answer yes or no)

(A) Plumbing: (1) Exposed (2) In need of repair (B) HVAC/Electrical: (1) Submerged (2) Damaged (3) Repair (4) Replace Use numbers from the right to describe the condition of items C through F: (C) Foundation 1. No visible damage 5. Dislodged/Destroyed 18. (D) PERCENT Exterior walls OF DAMAGE FIELD 2. Settlement/cracked ESTIMATE (for single/multi-family 6. Submerged site built homes) (E) Interior walls 3. Partially missing 7. Include all of the above % (F) Roof Foundations 4. Sagging 8. Other (explain) %Superstructure (Framing/Masonry) % Roofing % Insulation and Weather-stripping 15 % Exterior Finish % Interior Finish (Plaster/Drywall) % Doors, Windows, Shutters This page intentionally left blank % Lumber Finished % Hardware % Cabinets/Countertops % Floor Covering % Plumbing % Electrical % Built-in Appliances % Heating/Cooling (HVAC) % Painting

16 SAMPLE NOTICE TO POST ON STRUCTURES NOTICE Because this building is located in a floodplain and was damaged by flooding, a damage assessment must be conducted by the (village or county). Before occupying this building or doing any repair work you must call the (village or county) Department of Zoning and Building Safety at ( ) to schedule and inspection.

Failure to obtain reconstruction approval may result in a penalty. SAMPLE PRESS RELEASE 17 RESIDENTS IN (COMMUNITY) WITH FLOOD DAMAGE REMINDED OF PERMIT REQUIREMENTS As property owners in (community) contemplate clean up and repairs following recent flooding, the (community permit office) is reminding residents to obtaining local permits before repairing or rebuilding flood-damaged structures. The permits are required as part of local government participation in the National Flood Insurance Program, providing eligibility for flood insurance, flood disaster assistance, state and federal grants and loans, and buyout funds for flood-prone property. Local floodplain management ordinances require that permits be obtained for any construction or development activity in a floodplain area, including the repair or reconstruction of structures damaged by flooding. Special conditions apply to substantially damaged buildings - those in which the total cost of repairs is 50 percent or more of the structure s pre-flood market value. If a building is found to be substantially damaged, regulations require that repairs not begin until compliance with the local floodplain ordinance is demonstrated. In some cases, that may require repairs that include elevating or flood-proofing the structure to reduce the potential for future flood damage. Repair costs must be calculated by assuming the building will be fully repaired to its pre-damaged condition, even if the owner decides to do less. The total cost calculation must include structural materials, finish materials and labor, even if the owner chooses to do his or her own repairs. The (community) now track cumulative damages caused by multiple flood events. State and federal assistance may be available to property owners to reduce the chances of future flood damage. Mitigation assistance may cover costs of relocation, or for elevating or purchasing flood-damaged structures. Flood insurance may also provide up to $30,000 to protect a structure from future flood damage.

Property owners and residents with flood-damaged buildings should contact (local building and zoning administrator) for more information on repair and reconstruction permits. 18 SAMPLE DAMAGE DETERMINATION LETTER 06/12/2000 John & Jane Q. Public 1234 Flooded-By-The-River Rd. Deepwater Il 61000 RE: Substantial Damage 1234 Flooded-By-The-River Rd. Dear Mr. And Mrs. Public, Subsequent to the recent flooding event, a damage assessment has been completed on the property referenced above. This is a part of (insert community name) s floodplain management responsibilities in order to maintain the availability of flood insurance and disaster assistance to residents. The following information relates to the address referenced above: Community Number: Parcel Zone Information: Fair Market Value: Flood Damage: June 2008 $18,864 Total damages $18,864 170XXX Zone A $31,226 (based on 3.1 x assessed value) Percent Damaged: 60.4% Ordinance Requirement: Mitigation (elevation, removal) The determination is that this structure is declared Substantially Damaged and must be brought into compliance with the (insert community name) Floodplain Ordinance prior to repair and reoccupation. For this structure to be in compliance with the ordinance, the structure must be elevated, moved outside the floodplain or demolished. Building inspections, Building Permits, and an Elevation Certificate will be required prior to the issuance of a

Certificate of Occupancy. This structure may NOT be occupied until these corrections are made. Please contact this office at your earliest convenience to make an appointment with me to discuss your upcoming project. If you have any additional questions, you may feel free to give me a call at xxx-xxxx. Sincerely, Your Name and title 19 July 2011 STATE PERMIT FLOOD RECOVERY REGULATORY ISSUES Illinois Department of Natural Resources, Office of Water Resources (IDNR/OWR) permits are required only in the floodway portion of jurisdictional streams. Under the Rivers, Lakes and Streams Act (615 ILCS 5), the IDNR/OWR regulates construction within public bodies of water and within floodways of streams in urban areas with drainage areas of one (1) square mile or more and streams in rural areas with drainage areas of ten (10) square miles or more. The floodway is the stream channel and the portion of the adjacent floodplain area that is needed to safely store and convey flood waters. Where floodways have been delineated for regulatory purposes, the mapped lines show the floodway limits and will be used. For cases where a floodway has not been delineated, the whole 100-year frequency floodplain is regulated. The rules and application form may be viewed on and downloaded from our regulatory website: http://dnr.state.il.us/owr/resman/permitprogs.htm PLEASE NOTE: The local community should always be contacted to ensure compliance with local floodplain development requirements. Replacing or Repairing Damaged Buildings IDNR/OWR permits are required to replace buildings or make modifications to existing buildings which would increase their outside dimensions. An application for permit should be submitted including a completed application form and plans showing the location and dimensions of both the old and proposed buildings. If the footprint of the replacement structure is no larger than that of the old, a permit will be issued soon after receipt of the application. Replacement buildings larger than the old structure may be permissible depending on the size, location and the potential for cumulative adverse affects on the stream s flood carrying capacity. Those projects will generally require additional data and review time and may not receive approval. Raising Existing Buildings The raising of existing buildings, provided no changes are made to the outside dimensions of the building and provided the proposed raising would not involve the placement of fill to accomplish the raising, is authorized by IDNR/OWR Statewide Permit No. 6. This and other statewide permits may be viewed at: http://dnr.state.il.us/owr/resman/permitprogs.htm. For projects meeting the terms and conditions of a statewide permit, it is not necessary to submit applications to, or receive individual permits from, IDNR/OWR.

20 Repair/Replacement of Infrastructure and Other Structures If a structure in a public body of water or jurisdictional floodway is to be totally replaced or reconstructed, a permit will be required but will be authorized quickly upon receipt of a completed permit application demonstrating that the structure is being replaced in kind or with a structure that is no more obstructive to river navigation or flood flows. To replace bridge and culvert crossings that have been the cause of demonstrable flood damage, it will need to be demonstrated that the replacement crossing has been designed to reduce the induced flood damages to the fullest practicable extent. IDNR/OWR authorization is not required for the repair of structures that are basically still intact, bridge deck replacement or the replacement of appurtenant navigation structures such as mooring cells at existing barge loading facilities. Levee Repair Repairs which reestablish the levee to its original alignment and top elevation do not require IDNR/OWR authorization. For any levee work involving a change in the alignment or top elevation, information should be submitted to IDNR/OWR for review and determination of permit requirements. Please provide your name and contact information, a map showing the location of the levee and approximate location of the damaged section(s), any available information on the historic (pre-july 1, 1985), existing and proposed levee profiles and a brief description of the planned repairs. Removal of Flood-Deposited Debris and Sediment The removal of debris does not require IDNR/OWR authorization, but the material should be disposed outside of the floodway or where it will not obstruct flood flows or be liable to washing into a stream. Flood-deposited sediment may be removed from stream floodways and all previously improved stream channels and drainage ditches without a permit. Statewide Permit No. 11 authorizes maintenance dredging on up to 1,000 foot lengths of natural stream channels and for marinas, barge terminals, water intakes and other public water facilities. This and other statewide permits may be viewed at: http://dnr.state.il.us/owr/resman/permitprogs.htm. If the excavated/dredged material is not to be used to restore scoured areas to pre-flood conditions or removed from the floodway, information should be submitted to IDNR/OWR for review and determination of permit requirements. Please provide your name and contact information, a map and drawings showing the locations and dimensions of the sediment deposits and proposed disposal areas. Restoration of Altered Streams and Scoured Floodways Stream channels that have changed course and floodways that have been scoured as a result of the 2008 floods may be restored to 2008 pre-flood conditions without IDNR/OWR authorization. Additionally, certain channel stabilization and channel maintenance activities are authorized by IDNR/OWR Statewide Permit Nos. 9 & 11. These and other statewide permits may be viewed at: http://dnr.state.il.us/owr/resman/permitprogs.htm. Individual permits are required for other channel modification and floodway regrading projects on jurisdictional streams. IDNR/OWR Contact Information Regulatory Programs Website: http://dnr.state.il.us/owr/resman/permitprogs.htm Telephone: 217/782-3863

Facsimile: 217/785-5014 21 Mitigation Grant Programs BUILDING STRONGER AND SAFER Mitigation Grant programs provide funding for eligible mitigation activities that reduce losses and protect life and property from future disaster damages. After a flood is the perfect time to encourage mitigation activities. Federal Mitigation Programs FEMA currently has 6 mitigation grant programs: 1. Hazards Mitigation Grant Program (HMGP) 2. Flood Mitigation Assistance (FMA) 3. Pre-Disaster Mitigation (PDM) 4. Repetitive Flood Claims (RFC) 5. Severe Repetitive Flood Loss (SRL) 6. ICC (part of the flood insurance policy) 1. Hazard Mitigation Grant Program (HMGP) Funds can be used state-wide Cost sharing ratio of 75% FEMA / 25% local funds (often provided by state) Community must have a FEMAapproved hazard mitigation plan Projects must meet environmental, historical, and benefit cost approvals. Applications are submitted to IEMA and approved by FEMA. Examples of projects include: Elevation, acquisition, or retrofitting flood flood-prone homes or businesses Implementing minor flood control projects to protect critical facilities Constructing safe rooms inside schools or other buildings in tornado-prone areas 2. Flood Mitigation Assistance Program (FMA) Funds come from Flood Insurance program Very limited funds An FMA plan is required (This can be part of the hazard mitigation plan) Can only be used to purchase insured properties. The program provides grants for both mitigation planning and projects: * Planning grants are used to assess flood risks and develop Flood Mitigation Plans to reduce the risks. * Project grants are used to elevate, acquire, demolish or relocate NFIPinsured buildings. * Project grants are available to NFIPparticipating communities that have a Flood Mitigation Plan in place. * Technical Assistance grants help States and communities develop viable FMA applications and implement projects. 3. Pre-Disaster Mitigation Program (PDM) Nationwide Competitive Program Requires hazard mitigation plan (prior to submittal) Requires FEMA approval Planning is an eligible project Eligible PDM activities include: Elevation, acquisition, or relocation of structures Localized flood control projects designed specifically to protect critical facilities Protective measures for utilities Stormwater management projects

Structural and non-structural retrofitting Voluntary acquisition of real property 4. Repetitive Flood Claims Grant Program (RFC) Must be a NFIP Community Competitive program Priority is Severe Rep. Loss: Four or more claims each >$5,000 with at least two occurring in a 10 year period with totals >$20,000 Two or more claims that exceed the property value. Eligible up to 100% Federal cost. Prioritized to those with greatest savings to NFIP based on benefit/cost analysis. Property must be insured at the time of application 5. Severe Repetitive Loss Program (SRL) Limited only to a group of 58 properties in Illinois Four or more claims each >$5,000 with at least two occurring in a 10 year period with totals >$20,000 Two or more claims that exceed the property value Letters sent to homeowners Insurance rates go to actuarial rates if the property owner turns it down Mitigation plan is required 75 percent Federal cost share. Eligible SRL projects include: Elevation, relocation, or demolition of existing residential properties Floodproofing measures for historical properties Minor physical localized flood control projects Demolition and rebuilding of properties to at least the Base Flood Elevation (BFE) or greater if required by any local ordinance 6. Increased Cost of Compliance (ICC) Program Funding in included as part of a NFIP flood insurance policy. Structure must be located in a floodplain Structure must have a flood insurance policy in effect The program provides up to $30,000 in addition to flood insurance claims. Structure must be determined to be substantially damaged (or cumulatively damaged) by flooding beyond 50% of the value of when the damaged occurred. Claims process handled thru insurance company adjuster and agent Eligible ICC projects include: Floodproofing, Relocation Elevation Demolition State Mitigation Programs/Funds The Office of Water Resources (OWR) has a long history of funding and completing mitigation projects. OWR mitigation programs support statewide flood damage reduction. OWR programs are available to any local unit of government

OWR s Flood Hazard Mitigation Program partners with IEMA/FEMA to provide local match (25%) OWR Program Guidelines All properties acquired with OWR funds must be in the 100-year floodplain. Community must be in compliance with the NFIP Personal property (mobile homes) may not be acquired with OWR funds Relocation benefits are not an eligible expense Only vacant lots contiguous to the project area may be acquired All OWR acquisitions must have prior approval of the Illinois Attorney General All property must be acquired in the name of The People of the State of Illinois, Department of Natural Resources, Office of Water Resources. After demolition, property will be deeded back to the applicant (local jurisdiction) No duplication of benefits (similar to IEMA) All appraisals are reviewed by the IDNR review appraiser. Pre-flood fair market value paid with all normal closing costs Land must remain as open space in perpetuity Maintain acquired parcels as open space in perpetuity Obtain all federal, state, or local permits for the project Pay for any utility relocation required by the project Maintain eligibility in the NFIP. State Priorities for Funding a. NFIP participation b. Structures that are substantially damaged c. Projects that mitigate against the loss of human life will take priority over mitigating property loss. d. Critical facilities that a retrofit will substantially reduce the risk e. Repetitive loss properties with priority given to the target list f. Highest benefit/cost ratio g. Acquisitions will receive priority over elevations h. Minor structural projects that will relieve widespread but minor damage (inlet control valves) i. Projects with multiple properties to purchase or retrofit or contiguous properties j. Jurisdiction contributes funds for the project Local responsibilities include: Oversee acquisition and/or demolition of structures in accordance with intergovernmental agreement Pay all project cost in excess of those supported by the program

Protect Your Home From Flood Damages In Illinois, it is estimated that there are over 250,000 buildings located in floodplains. Floods are by far the most common natural disaster in Illinois, accounting for well over 90% of the declared disasters. Annual damages due to flooding average nearly $300 million dollars. Unfortunately, much of this flood damage occurs on the same properties over and over again. For this reason, flood insurance coverage now pays to mitigate these properties to reduce the chances of future flooding. Increased Cost of Compliance (ICC) Program: provides up to $30,000 in addition to flood insurance claims. ICC can be used to floodproof, relocate, elevate, demolish (F.R.E.D.) structure must be located in a floodplain structure must have a flood insurance policy in effect structure must be determined to be substantially damaged (or cumulatively damaged) by flooding beyond 50% of the value of when the damaged occurred. bring structure into compliance with F.R.E.D Illinois has the nation s largest inland system of rivers, lakes and streams The two most common types of ICC mitigation used in Illinois are: Relocation: Relocating structures to higher ground or purchasing flood prone property is the safest way to protect against flooding and reduce the liability and cost to the community. Relocating initially can be expensive in the long run it can be less expensive than repetitive flood damages or high flood insurance premiums Elevation: Three methods to elevate: Constructing on crawlspace, Elevating on compacted fill, or Elevating on piles or piers. Elevation method is dependent on the structure s condition, flood hazard, local floodplain regulations, and owner s financial condition. When elevating, it is essential for all utilities (air conditioner, water heater, furnace, etc.) to be elevated at or above the Flood Protection Elevation. For Illin at ( Illin at ( FE

A repetitively flooded home in Rock Island County, Illinois used an ICC claim to reduce the chance of future flooding. Contractors Home Moving and Elevation 1 Peters House & Building Movers R.R. #1 Box 114 Farmer City, IL 61842 (309) 928-2532 2. MCE Home Movers 1637 East 800 North Rd. Loda, IL 60948 mcemoving@yahoo.com 217-379-2955 office 217-519-0244 cell 3. Lyle Hyatt and Company House Movers 612 Green Street Sandwich, IL 815-786-6591 4. Balagna House Moving, Inc. 21529 E. Illinois Highway 116 Farmington, IL 61531 (309) 245-4486 5. Greene County Steel Eldred, IL 62027 (618) 576-9730 6. Louvier s Construction Inc. 1038 Urna Drive St. Louis, MO 63301 (636) 250-3189 *elevation only 7. Expert House Movers 7144 Pershing Avenue St. Louis, MO 63130 (314) 727-2722 Or (800) 305-8939