Programs and Activities with

Potential CRS Ties

KAMM Regional Training

April 5, 2016 - CVADD

The CRS Conundrum

Many activities being conducted by

communities are eligible for CRS credit

Documentation required

This presentation will focus on Storm Water

Management and Repetitive Loss Analysis

Storm Water Issues

Sediment runoff is polluting

KY’s rivers, lakes, & streams

Construction sites are often

a significant source of

sediment

Preventing soil erosion and

sediment runoff is not

difficult

Why do we have Storm Water Programs?

Storm Water regulations

require erosion prevention &

sediment control for all

construction sites one acre

or larger

Promotes watershed-based

management

Storm Water-related Watershed

Issues

Increased Flooding

Drinking water supplies

Fishing and swimming

Biodiversity

Natural aesthetics

Quality of life

Impervious areas

Impervious Cover Impacts on Stream

Health

More impervious cover leads to increased runoff

Runoff impacts stream morphology and health

Increased sedimentation and bank erosion

Water quantity and quality are inherently tied

together

5% or Less Impervious CoverLess than 5%

impervious cover:

• streams are

typically stable

and pristine

• maintaining good

pool and riffle

structure

• a large, wetted

perimeter during

low flow

• a good riparian

canopy coverage

10% Impervious Cover

Measurable impacts on biota

Significant impacts to stream banks, channel,

erosion, etc.

Impervious cover

10% 100%0%

20% Impervious Cover

20% impervious

cover:

• decreased

substrate

quality due to

more material

"flushing"

through the

system

30% Impervious Cover30% impervious cover:

• large amount of

impervious cover

has increased the

size of the stream

by a factor of five

to ten.

• The manhole in the

middle of the

diagram was

originally in the

floodplain and is an

indicator of the

degree to which

channel erosion has

occurred

Storm Water Management and CRS

Activity 330 – Outreach Projects

Activity 450 – Storm Water Management

Max 755 total CRS points available

Crossover with MS4 programs

What is an MS4

A municipal separate storm sewer system (MS4)

is:

A conveyance or system of conveyances, including

roads with drainage systems, municipal streets,

catch basins, curbs, gutters, ditches, man-made

channels, or storm drains owned by a state, city,

town, or other public entity that discharges to

waters of the Commonwealth and is:

Designed or used for collecting or conveying storm water

Not a combined sewer

Not part of a publicly owned treatment works (POTW)

History of the Storm Water (SW)

Program

1972

CWA

Requires

NPDES

Permits

1983

KY

Issues

KPDES

Permits

1987

CWA

Includes

Industrial

SW

1992

Phase I

SW

Program

Begins

2003

Phase II

SW

Program

Begins

Clean Water Act (CWA)

Municipal Storm Water Categories

Large MS4

250,000+Population

Medium MS4

100,000+ Population

Small MS4

<100,000 Population

Louisville MSD and

LFUCGNone in KY

101 Communities; includes

SD1 and KYTC

Storm Water and CRS Synergies

MS4 – 6 requirements1) Public Education and Outreach

2) Public Involvement and

Participation

3) Illicit Discharge Detection and

Elimination

4) Construction Site Storm Water

Runoff

5) Post-Construction Storm Water

Management in New Development

and Redevelopment

6) Good Housekeeping and Pollution

Prevention at Municipal

Operations

CRSActivity 330 – Outreach Projects

Activity 510 – Floodplain Management

Planning

Activity 450 – Storm Water Management

Storm Water Regulations

Erosion and Sediment Control

Water Quality

Watershed Master Plan

Key Takeaways

Storm water management is a “low hanging

fruit” for many communities

If you’re interested in CRS or improving your

CRS rating, coordinate with:

MS4 coordinator(s)

Local developers

Other departments within your community

Mapping Repetitive Loss Areas

for CRS

Kentucky Repetitive Loss Overview

Repetitive Loss (RL) and Severe Repetitive Loss

(SRL) properties a mitigation priority for the

Commonwealth and FEMA

Information used for:

Risk MAP

Hazard Mitigation Planning

Community Rating System (CRS)

RL and SRL indicate a larger trend for flood

losses in particular areas within communities

RL and SRL Definitions

RL definition

Any insurable building for which two or more claims of more

than $1,000 were paid by the National Flood Insurance

Program (NFIP) within any rolling ten-year period, since 1978

A RL property may or may not be currently insured by the NFIP

SRL definition

4 or more separate claim payments of more than $5,000

each (including building and contents payments); or

2 or more separate claim payments (building payments only)

where the total of the payments exceeds the current value

of the property.

In either case, 2 of the claim payments must have occurred within 10

years of each other.

RL and SRL are Mitigation Priorities

FEMA’s Hazard Mitigation Assistance (HMA)

Programs

Hazard Mitigation Grant Program (HMGP)

Flood Mitigation Assistance (FMA)

Pre Disaster Mitigation (PDM)

FMA and PDM application periods are open now!

FMA - $199 million nationwide in FY16

PDM – $90 million nationwide in FY16

eGrants deadline for preliminary FMA/PDM

applications – April 15

Talk to Esther White or Geni Jo Brawner

Repetitive Loss Data Leads to

Mitigation

Pinpoints at-risk areas

Identifies sources of repetitive flooding

Results in a planning tool for local communities

Floodplain Management Plan required for CRS

communities with 10 or more rep loss

structures

Activity 510 Floodplain Management

Mapping Repetitive Loss Areas for CRS

Using current data, could be a daunting task

Address examples:

“2 MILES 5 W RR 579”

“W S RT 7 1/5 MILES SOUTH FROM US 23 RR 2”

“OLD FOUR MILE ROAD IN FRONT OF UNDERPASS”

Structures on Rep Loss list with flood insurance

KDOW conducted project in 2015 to “clean” the KY

Rep Loss database

Rep Loss 2006 VS 2014

2006 Overview

1,412 rep losses

180 SDF (Special Direct

Facility)

4,453 Flood Claims

150 Mitigated, 0 w/ flood

insurance

2014 Overview

1,896 rep losses

157 SDF (124 official SRL)

6,325 Flood Claims

248 Mitigated, 19 w/ flood

insurance

Some still making claims

Total Building

Payment

Total Contents

PaymentTotal Paid

$57,742,556 $19,941,476 $77,684,032

Total Building

Payment

Total Contents

PaymentTotal Paid

$94,382,730 $29,500,345 $123,883,075

Rep Loss 2014 VS May 2015

2014 Overview

1,896 rep losses

6,325 Flood Claims

124 official SRL

May 2015 Overview

2,043 rep losses

6,838 Flood Claims

150 official SRL

Total Building

Payment

Total Contents

PaymentTotal Paid

$94,382,730 $29,500,345 $123,883,075

Total Building

Payment

Total Contents

PaymentTotal Paid

$106,598,174 $30,941,457 $137,539,630

2014 - Top 10 SRL Communities

Community Number of SRL Properties

LOUISVILLE-JEFFERSON COUNTY METRO GOVERNMENT 43

OLDHAM COUNTY 20

GREENUP COUNTY 6

BOYD COUNTY 5

FLOYD COUNTY 5

FRANKFORT, CITY OF 5

HOPKINSVILLE, CITY OF 5

PIKE COUNTY 5

PARIS, CITY OF 4

HENDERSON, CITY OF 4

102 TOTAL

SRL Properties Present in 24 Communities

BOURBON COUNTY

BOYD COUNTY

CLARK COUNTY

FLOYD COUNTY

FRANKFORT, CITY OF

FRANKLIN COUNTY

GREENUP COUNTY

HARLAN COUNTY

HENDERSON, CITY OF

HOPKINSVILLE, CITY OF

JESSAMINE COUNTY

LEWIS COUNTY

LEXINGTON-FAYETTE URBAN

COUNTY GOVERNMENT

LOUISVILLE-JEFFERSON

COUNTY METRO

GOVERNMENT

MADISON COUNTY

MAYFIELD, CITY OF

MERCER COUNTY

OLDHAM COUNTY

PARIS, CITY OF

PIKE COUNTY

SALT LICK, CITY OF

SPENCER COUNTY

WAYLAND, TOWN OF

WEST POINT, CITY OF

Locations of SRL Properties in KY

Eastern KY Western KY

Central KY – Jefferson,

Oldham and surrounding

counties

2014 - Top 10 RL Communities

Community Number of RL Properties

LOUISVILLE-JEFFERSON COUNTY METRO GOVERNMENT 286

PIKE COUNTY 177

FLOYD COUNTY 143

HOPKINSVILLE, CITY OF 106

FRANKFORT, CITY OF 86

OLDHAM COUNTY 78

BOYD COUNTY 62

LEXINGTON-FAYETTE URBAN COUNTY GOVERNMENT 52

FRANKLIN COUNTY 51

GREENUP COUNTY 43

1084 Total1,896 Rep Losses Total in KY

2014 RL – 10 or More RL in 23

CommunitiesCommunity Number of RL Properties

PARIS, CITY OF 36

HENDERSON, CITY OF 34

MARTIN COUNTY 34

MOREHEAD, CITY OF 31

WOODFORD COUNTY 29

OLIVE HILL, CITY OF 29

MARTIN, CITY OF 24

MIDDLESBORO, CITY OF 23

CARTER COUNTY 21

PERRY COUNTY 20

HAZARD, CITY OF 18

MERCER COUNTY 16

BELL COUNTY 15

CLARK COUNTY 15

SALYERSVILLE, CITY OF 15

LEWIS COUNTY 14

HARLAN COUNTY 13

JESSAMINE COUNTY 13

MAGOFFIN COUNTY 12

ROWAN COUNTY 12

CLAY CITY, CITY OF 11

WAYLAND, TOWN OF 11

WINCHESTER, CITY OF 10

456 TOTAL

CRS Candidates!

Results of KDOW RL Database

“Cleanup”

Geospatial identification of all 150 SRL properties

Geospatial identification of 378 RL properties

15 rep loss assigned to incorrect CID

17 updated addresses from local floodplain

coordinators

6 duplicate addresses

199 properties potentially w/ incorrect flood zone

listed on the insurance policy

Coordination w/ ISO to submit AW-501 corrections

Parting Thoughts…

Significant opportunities for mitigation through

FMA, PDM, and HMGP

“Cleaned” data is a valuable resource for CRS

communities

Trends identified will be used in Risk MAP products

Hazard mitigation plan updates should incorporate

and use revised data

Rep Loss data has changed even more due to 4

federal disaster declarations in 2015

Additional Parting Thoughts…

If you are interested in RL or SRL through FMA

FMA has a slightly different definition for RL and SRL

Data as of December 31, 2015 indicates:

364 Severe Repetitive Loss properties

260 Repetitive Loss properties

Significantly different than the “raw” data KDOW

obtains and uses for planning purposes

Questions?