![Page 1: Changes to the National Flood Insurance Program – What to Expect Impact of changes to the NFIP under the Biggert- Waters Flood Insurance and Reform Act](https://reader036.vdocuments.us/reader036/viewer/2022070308/551c1a95550346b24f8b58ab/html5/thumbnails/1.jpg)
Changes to the National Flood Insurance Program – What to ExpectImpact of changes to the NFIP under the Biggert-Waters Flood Insurance and Reform Act 0f 2012 (BW-12) and the Homeowners Flood Insurance Affordability Act of 2014 (HFIAA)
![Page 2: Changes to the National Flood Insurance Program – What to Expect Impact of changes to the NFIP under the Biggert- Waters Flood Insurance and Reform Act](https://reader036.vdocuments.us/reader036/viewer/2022070308/551c1a95550346b24f8b58ab/html5/thumbnails/2.jpg)
2
Why the Changes to the NFIP Insurance Program?
1968: Congress created the NFIP to make affordable flood insurance generally available. • To participate, communities adopt and enforce floodplain
management measures for all new development.• For structures built before FEMA mapped the Special Flood Hazard
Area (called Pre-FIRM properties), the NFIP made flood insurance available at subsidized rates .
45 years later: The costs and consequences of flooding are increasing and artificially low rates and discounts no longer are sustainable.
In 2012, Congress passed legislation (BW-12) to make the program more sustainable and financially sound over the long term.
In 2014, Congress passed legislation (HFIAA) to reform some sections of BW-12
![Page 3: Changes to the National Flood Insurance Program – What to Expect Impact of changes to the NFIP under the Biggert- Waters Flood Insurance and Reform Act](https://reader036.vdocuments.us/reader036/viewer/2022070308/551c1a95550346b24f8b58ab/html5/thumbnails/3.jpg)
3
Changes to NFIP Insurance BW-12 and HFIAA• Establish a Reserve Fund (5% for most policies)• Annual premium adjustment cap raised from 10% to 20%
(18% HFIAA)
Implementation Pending (HFIAA)• Surcharge on all policies to offset the subsidized policies and
achieve the financial sustainability goals of BW-12. • $25 annually on Primary Residence• $250 annually on All other policies, including full risk rated policies
This fee will continue until all Pre-FIRM subsidies are eliminated Surcharges are not considered part of the premium and are not
subject to the premium increase caps
All policyholders will receive a premium increase
![Page 4: Changes to the National Flood Insurance Program – What to Expect Impact of changes to the NFIP under the Biggert- Waters Flood Insurance and Reform Act](https://reader036.vdocuments.us/reader036/viewer/2022070308/551c1a95550346b24f8b58ab/html5/thumbnails/4.jpg)
4
NFIP Rate ChangesPre-FIRM Primary Residence (definition changing June 2014*)
rates will increase up to 18%
Pre-FIRM Non-Primary Residence January 2013rates will increase 25 % annually until they reflect the full-risk rate.
Pre-FIRM Business & Repetitive Loss/Severe Repetitive Loss properties October 2013
rates will increase 25 % annually until they reflect the full-risk rate.
All other rating groups will increase up to 18% annually
Annual rate increases include the 5% Reserve Fund fee
*Primary Residence. For rating purposes only, FEMA defines a primary residence as a building that will be lived in by an insured or an insured’s spouse for more than 50% of the 365 days following the policy effective date. (June 2014)
![Page 5: Changes to the National Flood Insurance Program – What to Expect Impact of changes to the NFIP under the Biggert- Waters Flood Insurance and Reform Act](https://reader036.vdocuments.us/reader036/viewer/2022070308/551c1a95550346b24f8b58ab/html5/thumbnails/5.jpg)
5
Homeowner Flood Insurance Affordability Act 2014 (HFIAA) Implementation Pending
Effective on or after May 1, 2014 Pre-FIRM rates may be used. New policies will be issued with Pre-FIRM rates. Renewals will be re-rated with Pre-FIRM rates (October 2013 Flood Insurance Manual).
Applicable refunds will be implemented at a later date.
• Refunds Guidance and rate tables being developed. Refunds only to policyholders who received rate increases under BW-
12 that are revoked by HFIAA.
![Page 6: Changes to the National Flood Insurance Program – What to Expect Impact of changes to the NFIP under the Biggert- Waters Flood Insurance and Reform Act](https://reader036.vdocuments.us/reader036/viewer/2022070308/551c1a95550346b24f8b58ab/html5/thumbnails/6.jpg)
6
Adoption of a new flood map?Implementation Pending
New SFHA / Zone Change / Increased BFE • BW-12 Removed Grandfathering*/ HFIAA restored
grandfathering
• BW-12 Elimination of PRP Eligibility Extension / HFIAA - Eligible for PRP first year
• 18% cap on annual increase after a map update
*Grandfathering-- charging of insurance premiums for a structure based on a prior FIRM
• Continuous Coverage
• Built in Compliance
![Page 7: Changes to the National Flood Insurance Program – What to Expect Impact of changes to the NFIP under the Biggert- Waters Flood Insurance and Reform Act](https://reader036.vdocuments.us/reader036/viewer/2022070308/551c1a95550346b24f8b58ab/html5/thumbnails/7.jpg)
7
Affordability Study / Framework
The affordability study required by BW-12 is underway and being conducted by the National Academies of Sciences as specified in BW-12.
HFIAA requires FEMA to prepare a draft affordability framework, which is due to Congress 18 months after completion of the affordability study.
The affordability framework will include proposals and proposed regulations for ensuing flood insurance affordability among low-income populations.
![Page 8: Changes to the National Flood Insurance Program – What to Expect Impact of changes to the NFIP under the Biggert- Waters Flood Insurance and Reform Act](https://reader036.vdocuments.us/reader036/viewer/2022070308/551c1a95550346b24f8b58ab/html5/thumbnails/8.jpg)
8
Mapping
Technical Mapping Advisory Council (TMAC) to review the new national flood mapping program activities authorized under the 2012 and 2014 flood insurance reform laws. • FEMA will seek the TMAC’s recommendations on meeting new
requirements for the new mapping program including the identification of residual risk areas, coastal flooding information, land subsidence, erosion, expected changes in flood hazards with time, and others.
• The law requires the Administrator to certify in writing to Congress that FEMA is utilizing “technically credible” data and mapping approaches.
Technical Mapping Advisory Council
FEMA will continue Mapping activities BW-12 requires FEMA to enhance coordination with communities
before and during mapping activities and requires FEMA to report certain information to members of Congress for each State and congressional district affected by preliminary maps.
Sec. 30 of HFIAA requires additional layers of enhanced notification and outreach to congress and other stakeholders.
Enhanced Communication and Outreach
![Page 9: Changes to the National Flood Insurance Program – What to Expect Impact of changes to the NFIP under the Biggert- Waters Flood Insurance and Reform Act](https://reader036.vdocuments.us/reader036/viewer/2022070308/551c1a95550346b24f8b58ab/html5/thumbnails/9.jpg)
9
Mapping
The Act lifts the $250,000 limit on the amount FEMA can spend to implement a program to reimburse property owners and communities for successful map appeals based on a scientific or technical error.
The Act applies to statutory appellants who successfully appeal the Agency’s proposed flood elevations and special flood hazard areas.
Rulemaking is required to implement this provision The new law does not apply to Letter of Map Amendment
(LOMA) and Letter of Map Revision (LOMR) requests, or any expenses associated with them.
Flood Insurance Rate Map Appeals
![Page 10: Changes to the National Flood Insurance Program – What to Expect Impact of changes to the NFIP under the Biggert- Waters Flood Insurance and Reform Act](https://reader036.vdocuments.us/reader036/viewer/2022070308/551c1a95550346b24f8b58ab/html5/thumbnails/10.jpg)
10
Mapping
Authorizes FEMA to account for state and local funds used in the construction or restoration of a flood protection project when determining whether the project meets the statutory requirements to be eligible for discounted premiums. (Sec. 19)
Permits FEMA to include the value of existing protection features in measuring adequate progress for the restoration of levees. (Sec. 19)
Flood Protection Systems
![Page 11: Changes to the National Flood Insurance Program – What to Expect Impact of changes to the NFIP under the Biggert- Waters Flood Insurance and Reform Act](https://reader036.vdocuments.us/reader036/viewer/2022070308/551c1a95550346b24f8b58ab/html5/thumbnails/11.jpg)
11
Mapping
• Law exempts mapping fees for flood map changes due to habitat restoration projects, dam removal, culvert re-design or installation, or the installation of fish passages. (Sec. 22)
• Law requires FEMA to consider the effects of non-structural flood control features, such as dunes, and beach and wetland restoration when it maps the special flood hazard area. (Sec. 27)
Fees
Flood Control Features
![Page 12: Changes to the National Flood Insurance Program – What to Expect Impact of changes to the NFIP under the Biggert- Waters Flood Insurance and Reform Act](https://reader036.vdocuments.us/reader036/viewer/2022070308/551c1a95550346b24f8b58ab/html5/thumbnails/12.jpg)
12
Moving Forward
FEMA Region 10 Mitigation Program areas will advise our stakeholders as HQ guidance and implementation of BW-12 and HFIAA are released.
![Page 13: Changes to the National Flood Insurance Program – What to Expect Impact of changes to the NFIP under the Biggert- Waters Flood Insurance and Reform Act](https://reader036.vdocuments.us/reader036/viewer/2022070308/551c1a95550346b24f8b58ab/html5/thumbnails/13.jpg)
LEVEES: OVERVIEW ON CHANGES TO
POLICIES
David Ratté, P.E.FEMA Region X Mitigation DivisionRisk Analysis Branch
Objectives:
• FEMA’s roles
• Ongoing levee projects by state
• Updates pertaining to Biggert-Waters (2012) and HFIAA (2014)
• Non-accredited levee analysis and mapping approach and guidance (2011-Present)
• Region X Perspective
![Page 14: Changes to the National Flood Insurance Program – What to Expect Impact of changes to the NFIP under the Biggert- Waters Flood Insurance and Reform Act](https://reader036.vdocuments.us/reader036/viewer/2022070308/551c1a95550346b24f8b58ab/html5/thumbnails/14.jpg)
14
FEMA’s Role - LeveesMap levee-related flood risk and “accredits” levees for mapping purposes only.
Accredit levees based on the certification documentation provided by the community or another interested party.
FEMA does not own, operate, maintain, inspect, or certify levees or flood control systems.
Produce and/or distribute outreach and communication materials.
![Page 15: Changes to the National Flood Insurance Program – What to Expect Impact of changes to the NFIP under the Biggert- Waters Flood Insurance and Reform Act](https://reader036.vdocuments.us/reader036/viewer/2022070308/551c1a95550346b24f8b58ab/html5/thumbnails/15.jpg)
15
ALASKA
2-3 Studies
![Page 16: Changes to the National Flood Insurance Program – What to Expect Impact of changes to the NFIP under the Biggert- Waters Flood Insurance and Reform Act](https://reader036.vdocuments.us/reader036/viewer/2022070308/551c1a95550346b24f8b58ab/html5/thumbnails/16.jpg)
16
IDAHO
8 Studies
![Page 17: Changes to the National Flood Insurance Program – What to Expect Impact of changes to the NFIP under the Biggert- Waters Flood Insurance and Reform Act](https://reader036.vdocuments.us/reader036/viewer/2022070308/551c1a95550346b24f8b58ab/html5/thumbnails/17.jpg)
17
OREGON
11 Studies
![Page 18: Changes to the National Flood Insurance Program – What to Expect Impact of changes to the NFIP under the Biggert- Waters Flood Insurance and Reform Act](https://reader036.vdocuments.us/reader036/viewer/2022070308/551c1a95550346b24f8b58ab/html5/thumbnails/18.jpg)
18
WASHINGTON14 Studies
![Page 19: Changes to the National Flood Insurance Program – What to Expect Impact of changes to the NFIP under the Biggert- Waters Flood Insurance and Reform Act](https://reader036.vdocuments.us/reader036/viewer/2022070308/551c1a95550346b24f8b58ab/html5/thumbnails/19.jpg)
19
Biggert-Waters and Homeowner Flood Insurance Affordability Acts
- Residual and graduated risks for areas associated with potential levee and dam failures
- Levee restoration/improvement projects - Federal funding no longer required- Changes “adequate progress” requirements
![Page 20: Changes to the National Flood Insurance Program – What to Expect Impact of changes to the NFIP under the Biggert- Waters Flood Insurance and Reform Act](https://reader036.vdocuments.us/reader036/viewer/2022070308/551c1a95550346b24f8b58ab/html5/thumbnails/20.jpg)
20
Shaded Zone X or Zone B
- Leveed Area (also sometimes referenced as the protected area)
NLD and FIRM images…
![Page 21: Changes to the National Flood Insurance Program – What to Expect Impact of changes to the NFIP under the Biggert- Waters Flood Insurance and Reform Act](https://reader036.vdocuments.us/reader036/viewer/2022070308/551c1a95550346b24f8b58ab/html5/thumbnails/21.jpg)
21
How to acquire a restoration designation?
Requirements per CFR• Community must apply for use of this zone designation• Prior to new legislation, AR designation required that the
levee was constructed with Federal funds (regulations not updated at this time) shown as providing protection, and “de-certified”
• Requesting community must document adequate progress
• New legislation extends application of this process to coastal levees
![Page 22: Changes to the National Flood Insurance Program – What to Expect Impact of changes to the NFIP under the Biggert- Waters Flood Insurance and Reform Act](https://reader036.vdocuments.us/reader036/viewer/2022070308/551c1a95550346b24f8b58ab/html5/thumbnails/22.jpg)
22
Zone AR and A99 AR Flood Zone – used to map the landward side of a levee undergoing
restoration – usually done before a levee qualifies for A99 A99 Flood Zone – used to map the landward side of a levee that is
making “adequate progress” towards being restored. Enables a community to avoid de-accreditation of a previously certified
levee while it is being restored. Usually has lower insurance rates and less rigorous floodplain
management requirements
![Page 23: Changes to the National Flood Insurance Program – What to Expect Impact of changes to the NFIP under the Biggert- Waters Flood Insurance and Reform Act](https://reader036.vdocuments.us/reader036/viewer/2022070308/551c1a95550346b24f8b58ab/html5/thumbnails/23.jpg)
23
More Information: Fact Sheets and Frequently Asked Questions
Zone AR (Flood Protection Restoration)• Requirements Summary for State and Local Officials• Frequently Asked Questions Regarding the Zone AR
Flood Insurance Risk Zone Designation
Zone A99 (Adequate Progress on Flood Protection Systems)• Zone A99 Requirements Summary for State and Local
Officials• Frequently Asked Questions Regarding the Zone A99
Designation
![Page 24: Changes to the National Flood Insurance Program – What to Expect Impact of changes to the NFIP under the Biggert- Waters Flood Insurance and Reform Act](https://reader036.vdocuments.us/reader036/viewer/2022070308/551c1a95550346b24f8b58ab/html5/thumbnails/24.jpg)
24
Analysis and Mapping of Non-Accredited Levees
![Page 25: Changes to the National Flood Insurance Program – What to Expect Impact of changes to the NFIP under the Biggert- Waters Flood Insurance and Reform Act](https://reader036.vdocuments.us/reader036/viewer/2022070308/551c1a95550346b24f8b58ab/html5/thumbnails/25.jpg)
25
FEMA Levee Status: Accredited vs. Non-Accredited
Accreditation – FEMA’s process to review and accept certification data and documentation and to update the Flood Insurance Study
To be accredited by FEMA, a levee must meet ALL Section 65.10 requirements, including• General Requirements—65.10(a)• Design Criteria—65.10(b)• Operation Plans and Criteria—65.10(c)• Maintenance Plans and Criteria—65.10(d)• Certification Requirements—65.10(e)
Non-accredited levee – any levee that does not meet certification requirements or the definition of a levee.
![Page 26: Changes to the National Flood Insurance Program – What to Expect Impact of changes to the NFIP under the Biggert- Waters Flood Insurance and Reform Act](https://reader036.vdocuments.us/reader036/viewer/2022070308/551c1a95550346b24f8b58ab/html5/thumbnails/26.jpg)
26
Non-Levee Embankment• any manmade topographic feature that does not meet the
definition of a levee, e.g. highway embankment (FHWA Policy) or railroad grade
Silvies Levee (http://www.flickr.com/photos/oregondot/5600666113/in/set-72157626331012873)
![Page 27: Changes to the National Flood Insurance Program – What to Expect Impact of changes to the NFIP under the Biggert- Waters Flood Insurance and Reform Act](https://reader036.vdocuments.us/reader036/viewer/2022070308/551c1a95550346b24f8b58ab/html5/thumbnails/27.jpg)
27
Old Method - Mapping Flood Hazards Complete certification of
system submitted to FEMA
Mapped as contained within levee system boundaries
Certification submittal not received or incomplete
Traditionally mapped as if the levee did not provide a reduction in flood risk
![Page 28: Changes to the National Flood Insurance Program – What to Expect Impact of changes to the NFIP under the Biggert- Waters Flood Insurance and Reform Act](https://reader036.vdocuments.us/reader036/viewer/2022070308/551c1a95550346b24f8b58ab/html5/thumbnails/28.jpg)
28
What’s New? Interactive stakeholder engagement throughout the
analysis and mapping process:• FEMA will engage community officials and decision
makers in a collaborative discussion
A suite of analysis and mapping procedures of the hazard associated with levees will be reviewed with the interested parties• Intention is to recognize of the uncertainty associated with
hazard identification behind levees.• New Development – Allows communities to split a levee
system into distinct reaches that are analyzed based on the attributes of the specific reach.
![Page 29: Changes to the National Flood Insurance Program – What to Expect Impact of changes to the NFIP under the Biggert- Waters Flood Insurance and Reform Act](https://reader036.vdocuments.us/reader036/viewer/2022070308/551c1a95550346b24f8b58ab/html5/thumbnails/29.jpg)
29
Accredited System Criteria: Entire Levee System or Flood Control Structure meets (or
exceeds) 44 CFR 65.10 Criteria Mapping Approach: Mapping as Fully Accredited; Natural
Valley Floodplain Analysis to Map Shaded Zone X and Levee Protection Note
![Page 30: Changes to the National Flood Insurance Program – What to Expect Impact of changes to the NFIP under the Biggert- Waters Flood Insurance and Reform Act](https://reader036.vdocuments.us/reader036/viewer/2022070308/551c1a95550346b24f8b58ab/html5/thumbnails/30.jpg)
![Page 31: Changes to the National Flood Insurance Program – What to Expect Impact of changes to the NFIP under the Biggert- Waters Flood Insurance and Reform Act](https://reader036.vdocuments.us/reader036/viewer/2022070308/551c1a95550346b24f8b58ab/html5/thumbnails/31.jpg)
Risk Analysis Division
—Risk MAP
31
![Page 32: Changes to the National Flood Insurance Program – What to Expect Impact of changes to the NFIP under the Biggert- Waters Flood Insurance and Reform Act](https://reader036.vdocuments.us/reader036/viewer/2022070308/551c1a95550346b24f8b58ab/html5/thumbnails/32.jpg)
32
Not a Safety Standard The 1% flood event (100-year) is NOT a Safety
Standard Intended for flood insurance Unintentionally encourages communities to seek
this level
Alternative tools to discuss risk and mitigation – risk assessments.
Selection of projects
![Page 33: Changes to the National Flood Insurance Program – What to Expect Impact of changes to the NFIP under the Biggert- Waters Flood Insurance and Reform Act](https://reader036.vdocuments.us/reader036/viewer/2022070308/551c1a95550346b24f8b58ab/html5/thumbnails/33.jpg)
33
Questions or Comments?