fema higher ground wvfpm finalwvfma.org/documents/resources/wvfma2012_fema_fpmgt_best... ·...
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Higher Ground Best Practices for Floodplain Management
May 15, 2011
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Presenter’s Name June 17, 2003
Map Modernization
2
Flood DataDigital FIRM Digital
FIRM=
+ +
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Presenter’s Name June 17, 2003
Risk MAP
§ The vision for Risk MAP is to deliver quality data that increases public awareness and leads to action that reduces risk to life and property.
3
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Presenter’s Name June 17, 2003 4
Activity
Imagine you are the new mayor or County Commissioner of a community which has limitless resources and the citizens of the community support your decisions without question.
What actions would you take to reduce flood losses in your community?
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Presenter’s Name June 17, 2003
Mitigation Actions§ Open space preservation
§ FRED
§ Education & Training
§ Outreach
§ Flood Insurance
§ Safer ordinance standards
§ Hazard Planning
§ Flood protection projects
§ Warning Systems
§ Others?5
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Presenter’s Name June 17, 2003
Who is the Whole Community?
§ You know the players in your community best.
§ Identify the local champions
§Who might have competing interests
§Community officials
§ Insurance Agents
§ Surveyors
§Citizens
§ Lenders
§Non-profits
§ Private Sector
6
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Presenter’s Name June 17, 2003
Federal Minimum Requirements§ Require permits
§ Elevate residential & elevate/dry flood proof non-residential structures
§ Use flood resistant materials
§ Elevate and anchor utilities
§ Limit development in floodways.
§Minimize/eliminate flood damage to public utilities/facilities
§ Anchor all structures
7
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Presenter’s Name June 17, 2003 8
West Virginia Suggested Provisions
Higher standards include:
§2 feet of freeboard§10 lots or 2 acres§Cumulative substantial damage-2 losses during a 10 year period that equal/exceed 25% market value
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Presenter’s Name June 17, 2003
Safer Ordinance Standards
9
§Freeboard
§Cumulative Substantial Improvement/Damage
§Community Identified Flood Hazard Areas
§Approximate A Zones
§Subdivision Restrictions
§Stream Alteration BMPs
§Non Conversion Agreements
§Prohibitions§SFHA and/or FW
development§Manufactured homes§Fill§Critical Facilities
§Historic Structures
§Certificate of Compliance
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Presenter’s Name June 17, 2003
Community Identified Flood Areas
10
§ The __(Community)___ may identify and regulate new local flood hazard or ponding areas. These areas may be delineated on a “Local Flood Hazard Map” using best available topographic data and locally derived information such as flood of record, historic high water marks or approximate study methodologies.
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Presenter’s Name June 17, 2003
Zone A Floodplains
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§Mapped flood hazard vs. Studied areas:§WV has 12,200 miles with 3,350 of them, studied.
§Community is required to determine whether structures will be “reasonably safe from flooding”
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Presenter’s Name June 17, 2003
Subdivision Restrictions
12
§Lower threshold for BFE determination from 50 lots and 5 acres
§Require each lot to have a portion of land outside the SFHA
Zone A
280
275
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Presenter’s Name June 17, 2003
Stream Alteration BMPs
13
§Wing walls
§Trash grates
§Requiring openings to be of sufficient size to pass debris and/or anticipated future increases in flood heights.
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Presenter’s Name June 17, 2003
Non Conversion Agreements
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A Non Conversion Agreement shall be signed by the applicant whenever the community determines that the area below the first floor could be converted to a non-conforming use (generally applies to enclosed areas below base flood elevation that are 5 ft. high or more).
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Presenter’s Name June 17, 2003
Prohibitions
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§No development in Special Flood Hazard Area (SFHA) and /or Floodway (FW)
§No manufactured homes in SHFA or in FW
§No Fill in SFHA or in FW
§No Critical Facilities
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Presenter’s Name June 17, 2003
Historic Structures
16
§ Communities have the option of using either
1. Excluding from substantial damage/improvement definition OR
2. Requiring a variance
§ Requiring a variance gives community more control over what floodplain mitigation methods are incorporated into the design.
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Presenter’s Name June 17, 2003
Verification of Compliance
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§Certificate of Occupancy compared to Certificate of Compliance
§As Built Elevation Certificates
§Permanent Utility Connection
§Community Assistance Visit (CAV)
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Presenter’s Name June 17, 2003
Community Rating System (CRS)
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§Higher standards = insurance discounts
§Savings stay in the community
§Improved flood protection
§Better organized programs
§Incentive to keep implementing
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Presenter’s Name June 17, 2003
Tips & Tricks
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§ Intergovernmental agreements
§West Virginia and Maryland Flood Hazard Determination Tool
§ Language that requires applicants to submit LOMC
§ Coordination of building code and floodplain management ordinance
§Market value
§Marcellus shale and your ordinance
§ Coordination with health, police and assessors offices (unpermitted development)
§ State Models are updated annually. If your ordinance is older than a couple of years, consider a review.
§ Training
§Others?
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Presenter’s Name June 17, 2003 20
Reducing Risk Saves Lives and $§ NFIP premiums based on October 2011 rates
§ One-floor residential structure with no basement built Post-FIRM
§ $250,000 coverage for the building and $100,000 for contents
§ At BFE Insurance Premium: $1,315 building, $380 contentsZone AE Annual NFIP
Insurance SavingsSavings Over 30 Year Mortgage
1 ft. below BFE -$3,415 -$102,450
At BFE 0 0
1 ft. freeboard $675(49%) $20,250
2 ft. freeboard $911 (69%) $27,330
3 ft. freeboard $983 (75%) $29,490
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• Nicole Lick, 215-931-5625
FEMA RIII Senior Mitigation Planner
• Henry Chau, 215-931-5602
FEMA RIII Mitigation Planner
• Marty Frengs, 215-931-5532
FEMA RIII Floodplain Management & Insurance Branch Chief