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Basics of the National Flood Insurance Program

Basics of the National Flood Insurance Program. Kansas Department of Agriculture Division of Water Resources. Basics of the NFIP. Is the property in a SFHA? If the property is in a SFHA, they have to apply for a permit. What is the BFE? What is the construction type?

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Basics of the National Flood Insurance Program

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  1. Basics of the National Flood Insurance Program Kansas Department of Agriculture Division of Water Resources

  2. Basics of the NFIP • Is the property in a SFHA? • If the property is in a SFHA, they have to apply for a permit. • What is the BFE? • What is the construction type? • Inspect the development. • Obtain a final Elevation Certificate.

  3. TYPES OF MAPS • Flood Hazard Boundary Map (FHBM) • Flood Insurance Rate Map (FIRM) • Flood Boundary Floodway Map (FBFM)

  4. Flood Hazard Boundary Maps FHBM No Elevations Shown May be used until a community enters the regular phase of the program, then may be converted to a FIRM or revised

  5. Flood Hazard Boundary Maps FHBM Typical FHBMs give only those areas subject to flooding. There are no base flood elevations provided.

  6. Flood Insurance Rate Maps FIRM Adopted when a community enters the regular phase of the program Elevations rounded to the nearest foot shown for studied streams

  7. FINNEY COUNTY - FIRM

  8. Flood Boundary and Floodway Map FBFM Shows same 100-year floodplain boundaries as FIRM with additional information on the floodway for segments of studied streams

  9. HAYS - Flood Boundary & Floodway Map

  10. HAYS - Flood Insurance Rate Map

  11. Floodplain Development Permit

  12. Determining Base Flood Elevations (BFEs) in an Unnumbered A Zone

  13. Requirements for Obtaining BFE Data 44 CFR 60.3 (b) (4) Obtain, review, and reasonably utilize any base flood elevation and floodway data available from a Federal, State, or other source…

  14. Use of Draft or Preliminary Flood Insurance Study Data • The data from a draft or preliminary flood insurance study constitutes “available data” under Subparagraph 60.3 (b) (4). • Communities are given discretion concerning the use of draft or preliminary only if the data is currently part of a valid appeal concerning the accuracy of the data.

  15. Requirements for Obtaining BFE Data 44 CFR 60.3 (b) (3) Require that all new subdivision proposals and other proposed development (including proposals for manufactured home parks and subdivisions) greater than 50 lots or 5 acres, whichever is the lesser, include within such proposals base flood information data…

  16. Proposed 76 Lot Subdivision

  17. Proposed 6.7 Acre Subdivision

  18. Proposed 76 Lot Subdivision

  19. Proposed 5.6 Acre Subdivision

  20. Use of Draft or Preliminary Flood Insurance Study Data • The data from a draft or preliminary flood insurance study constitutes “available data” under Subparagraph 60.3 (b) (4). • Communities are given discretion concerning the use of draft or preliminary only if the data is currently part of a valid appeal concerning the accuracy of the data.

  21. Requirements for Obtaining BFE Data 44 CFR 60.3 (a) (4) Review all permit applications to determine whether proposed building sites will be reasonably safe from flooding. If a proposed building site is in a floodprone area, all new construction and substantial improvements shall (i) be designed (or modified) and adequately anchored to prevent flotation, collapse, or lateral movement…, (ii) be constructed with materials resistant to flood damage, (iii) be constructed with methods and practices that minimize flood damages, and (iv) be constructed with electrical, heating, ventilation, plumbing, and other service facilities that are designed and/or located so as to prevent water from entering or accumulating within the components during conditions of flooding.

  22. Obtaining Existing Base (100-Year) Flood Elevations • Watershed Concepts - FEMA’s Contractor for the Regional Mapping Center Erin Cobb Watershed Concepts 2405 Grand Boulevard, Suite 1000 Kansas City, MO 64108 816-502-9420 extension 4951 • U.S. Army Corps of Engineers Kansas City District Chief, Emergency Management Branch 601 E. 12th Street Rm 746 Kansas City, Mo 64106 816-983-3283

  23. Obtaining Existing Base (100-Year) Flood Elevations, cont… • U.S. Army Corps of Engineers Tulsa District 1645 S. 101st E. Ave. Tulsa, OK  74128-4609 918-669-7366 • U.S. Department of the Interior, Geological Survey 4821 Quail Crest Place Lawrence, KS 66049-3839 785-842-9909

  24. Obtaining Existing Base (100-Year) Flood Elevations, cont… • U.S. Department of Agriculture, Natural Resources Conservation Service 760 S. Broadway Salina, Kansas 67401-4642 785-823-4500 • Kansas Department of Transportation 915 Harrison, Room 754 - Docking State Office Building Topeka, KS 66612-1568 785-296-3585

  25. Obtaining Existing Base (100-Year) Flood Elevations, cont… • Kansas Department of Agriculture, Division of Water Resources 109 SW 9th St, Second Floor Topeka, KS 66612 785-296-2933 • Whichever engineering firm originally studied your community.

  26. BREAK

  27. How to Elevate Your Floodplain Building Elevate on Foundation Walls Elevate on Fill SERVICE EQUIPMENT SUCH AS UTILITIES AND ELECTRICAL CIRCUITS SERVICE EQUIPMENT SUCH AS UTILITIES AND ELECTRICAL CIRCUITS, ABOVE FLOOD LEVEL OPENINGS IN WALLS ALLOW WATER TO FLOW IN AND DRAIN OUT LOWEST FLOOR CRAWLSPACE COMPACTED FILL BFE RECOMMENDED 10’ – 15’ BEYOND HOUSE

  28. THE ELEVATION CERTIFICATE • Its Role in Mitigation • Its Role in Map Revisions and Amendments

  29. ITS ROLE IN MITIGATION • Provides Elevation Information to Ensure Compliance

  30. BUILDINGDIAGRAMS

  31. Lowest Floor “...means the lowest floor of the lowest enclosed area, including basement. An unfinished or flood resistant enclosure, usable solely for parking of vehicles, building access or storage in an area other than a basement area is not considered a building’s lowest floor, provided that such enclosure is not built so as to render the structure in violation of the applicable non-elevation design requirements of this ordinance.”

  32. SLAB ON GRADEBLDG DIAGRAM 1 Watermark a

  33. WITH BASEMENTBLDG DIAGRAM 2 a b

  34. SPLIT LEVEL BELOW GRADEBLDG DIAGRAM 4 a b

  35. ELEVATED BUILDING NO OBSTRUCTIONSBLDG DIAGRAM 5 b a (V zones only) c

  36. ELEVATED BUILDINGWITH ENCLOSUREBLDG DIAGRAM 6 b a (V zones only) c

  37. b f WALKOUTBLDG DIAGRAM 7 a g

  38. b f ELEVATED WITH OPENINGSBLDG DIAGRAM 8 possible g possible a Watermark Openings

  39. Duties of the Local Floodplain Administrator • Review Applications • Provide Base Flood Data • Review Plans & Specifications • Ensure that All Other federal, state and local permits are obtained • Notification of Watercourse Alterations • Issue or Deny Permits • Inspect Development • Record Keeping • Remedy Violations

  40. What’s Not on the Duties List • Flood Zone determinations for lenders and insurance agents • Communities are not expected to provide flood insurance-related information to the public

  41. NFIP GOALS • Reducing loss of life and property caused by flooding • Reduce rising disaster relief costs caused by flooding • Make Federally backed flood insurance coverage available to property owners

  42. ACCOMPLISHING NFIP GOALS • Require new construction and substantial improvements to be flood resistant • Guide future development away from flood hazard areas • Transfer flood loss costs from taxpayers to floodplain property owners • Prohibit new development in designated floodways that would increase flood heights

  43. FLOOD RISK • Flood losses in the U.S. since October 1994: • 66,300 paid losses from the NFIP insurance fund • $1.4 billion dollars paid • Average payment is about $21,600 • The four States with the most paid losses? • Louisiana ($575 million), Florida ($313 million), Texas ($213 million) and California ($106 million)

  44. Flood Risk Stats • There is a 5% chance that a house will catch fire during the life of a 30-year mortgage. • For a house located within the Special Flood Hazard Area, there is a 26% chance that it will be inundated by a 100-year flood during the life of a 30-year mortgage... • Over a 50 year period, the probability increases to 39%.

  45. TRUE/FALSE Wrap-up • The reference level for elevating structures in compliance with NFIP regulations is the first finished floor. • The 100-year or base flood is the flood which is expected to occur once every 100 years. • Residential basements are prohibited within the Special Flood Hazard Area.

  46. TRUE/FALSE - Continued • Development in the floodway must not increase the base flood elevation more than one foot at any point. • The lowest floor of substantially improved residential structures which are located within the Special Flood Hazard Area must be elevated to or above the base flood elevation.

  47. TRUE/FALSE - Concluded • The FEMA Elevation Certificate can be used for waiving the flood insurance requirement. • Only non-residential structures may be floodproofed. • Flood insurance premiums are the same in all NFIP communities.

  48. How to Write a Floodplain Management Ordinance

  49. Why do we write floodplain ordinances? • Because our community wants to participate in the National Flood Insurance Program (NFIP) • To update our regulations for managing development in a special flood hazard area • To define what we want to see in our flood prone areas • To allows our community to set standards above the minimum required by the NFIP • To identify the effective map • To clearly defines the rules for local regulation

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