New Maps in Bennington County!

The long-anticipated Bennington County Digital Flood Insurance Rate Map became effective 12/2/2015.  The data can now be found online at:

• FEMA Map Service Center www.msc.fema.gov 
• Flood Ready Atlas tinyurl.com/floodreadyatlas (Html 5); 
• Vermont Natural Resource Atlas tinyurl.com/vt-floodmap  (Silverlight).

The FEMA Map Service Center allows users to search by address and find the effective and historic flood maps for any location.  The MSC also has the Flood Insurance Study and Letters of Map Amendment.  Outside of the areas with Digital Flood Insurance Rate Maps the MSC has scanned copies of the “white/paper” FIRMs.

The Vermont Natural Resource Atlas has two online platforms.  The Html 5 version can be used by all computers and browsers.  The Silverlight version requires Internet Explorer and a PC that can load the Microsoft Silverlight software (a fairly quick process).

Where there are DFIRMs available, the MSC allows users to download GIS versions of the Special Flood Hazard Areas and other vector data.

The Vermont Center for Geographic Information will also post the GIS data later this month.

On the Flood Ready Atlas you can find a specialized layer for Flood Hazard Mapping that shows areas of Vermont with effective DFIRMs.

With the process in Bennington County completed no other flood map updates are scheduled by FEMA in Vermont.  This leaves large areas of the state with old maps needing attention.  Any future map work by FEMA will be handled through the RiskMAP approach.  RiskMAP uses a HUC-8 watershed boundary as the basis of map updates.  This would be the equivalent of the Missisquoi or Passumpsic River watersheds.

September 1 and 2 Bennington County - Flood Insurance Meetings

The Bennington County maps showing high risk flood hazard areas will officially change on December 2. Two open house events are scheduled for people that want to learn more about flood risk, flood insurance and the effect of the map update.  

Is your house or business in a hazard area?   This is a particularly important question for buildings that are identified as at a high risk on the December map but not at high risk on the older map.

FEMA Flood Information Open House Events are scheduled for:

• Tuesday September 1, 4-6:30 pm Manchester at the Spiral Press Café, 15 Bonnet Street, and
• Wednesday September 2, 4 -7 pm Bennington at the Bennington Free Library, 101 Silver Street

At these events Bennington county residents can meet one-on-one with Federal and State officials to identify if their building is in a Special Flood Hazard Area.   FEMA insurance specialists will be on hand to discuss flood insurance requirements and opportunities to make your building safer and less costly to insure.

Getting insurance now, before the map change to “grandfather the old zone” may be an important opportunity in situations where the older maps show a building to be outside the Special Flood Hazard Area and the new map shows it in.

The new December 2015 flood maps can be viewed on the Flood Ready Atlas: tinyurl.com/floodreadyatlas .   Use Flood Ready Tools to “Find Address” and “Toggle Flood Data On”.  

The older maps can be viewed on FEMA’s Map Service Center www.msc.fema.gov .

These open house events for flood resiliency are provided to help residents understand flood risks as shown on the new Bennington County Digital Flood Insurance Rate Map and to take steps to reduce the risk of flood damage to families, buildings and communities.

Live in Bennington County? Check the New Flood Map! (6/9/15)

Update on the Homeowners Flood Insurance Affordability Act (HFIAA)

Last week we had provided news about the US Congress passing the Homeowners Flood Insurance Affordability Act (HFIAA) at the end of March.  Since then, FEMA has published an overview of the the bill found on their website and in the FEMA Resource Library.  This overview document can also be found on our Flood Hazard Management webpage.

We have also started to get some information on how HFIAA will impact people in Vermont specifically, as well as the impacts to flood insurance nationally.  Here is a short summary:

• It will take some time to start to implement provisions of the new law:
• In the short term, there may still be individuals that get hit with full actuarial rates due to a new policy on a preFIRM residence (home built before the first Flood Insurance Rate Maps were created).  This new policy could be due to a lapsed flood insurance policy or a new policy being written due to a transfer of the property and/or a requirement by a lender for flood insurance;
• There will also be a lag for people who will be expecting refunds due to the change in their flood insurance premium as a result of the HFIAA.
• If you are a property owner living in Bennington County or in the Town/Village of Richmond here in Vermont:  FEMA will be releasing new preliminary or effective DFIRMs in the coming year.  Richmond's new DFIRMs are scheduled to become effective on 8/2/2014.  Bennington County's new DFIRMs are anticipated to become effective about one year from now (March 2015).  If the new preliminary DFIRMs show your house to be located in the mapped flood hazard area where you had not been shown to be located in the flood hazard area on previous FIRMs, you may be eligible for a grandfathered flood insurance rating.  Anyone who may be eligible for receiving grandfathered flood insurance rates is encouraged to get flood insurance BEFORE the new DFIRMs become effective for your community.  For more information regarding FEMA's grandfathering policy, please see an earlier post that was written for the Washington County map update process.  Please note that the estimated flood insurance premiums discussed may be different due to the effects of either Biggert Waters Flood Insurance Reform Act of 2012 (BW12) or HFIAA.  

UPDATE **For Properties newly mapped into the FEMA Special Flood Hazard Area: your first year would be rated as a Preferred Risk Policy (PRP) rate - i.e. as if you are not located in the flood hazard area.  Policy ratings in subsequent years would be based on the same phase-in method used to eliminate pre-FIRM suubsidies.

• Flood Insurance premiums are going up for everyone.  While the HFIAA is allowing a phase-in of higher rates for primary homeowners, the law is still enabling a push for all policies to eventually reach full actuarial rates.  Property owners should seriously consider mitigating their home or structure(s) to reduce their flood risk and reduce the cost of flood insurance.  Additional information about mitigating your home or structure can be found on the VT Flood Resilience Sharepoint site found under either "Step 5: Insure" or "Step 3: Reduce".  

If you are a local official or someone else that may be helping individuals affected by the changes from the HFIAA, the Association of State Floodplain Managers (ASFPM) will be offering two upcoming webinars in May and June focused on the changes to Biggert Waters 2012 from HFIAA (see dates below).  From the ASFPM announcement, the first webinar in early April filled up and these two follow up webinars are also expected fill up quickly.  

Homeowners Flood Insurance Affordability Act (HFIAA) of 2014 (AKA Grimm-Waters 2014) meets Biggert-Waters 2012: Impacts and Implications

Learn how the Homeowner Flood Insurance Affordability Act modifies and expands on BW-12 implications

1 core CEC for CFMs

$30 for ASFPM Individual Members*

$45 ASFPM Chapters/Agencies/Corporate Partners*

$60 Non-members

*Members must enter the event promo code at registration to receive the preferred rate.  ASFPM members should register through the ASFPM Membership Login page.  

More information about the webinars can found by clicking on the webinar flyer links below:

Friday, May 2nd, 2014; 2:00pm-3:00pm (EDT)

Thursday, June 26th, 2014; 2:00pm-3:00pm (EDT)

FEMA Flood Hazard Map Updates

Currently in Vermont a flood map update process is underway in Bennington County and the Town of Richmond.   Beyond those areas there is no other work scheduled by FEMA.

At this time roughly half the state does not have access to Digital Flood Insurance Rate Maps (DFIRMs) this includes most of Addison, Grand Isle, Franklin, Lamoille, Orleans, Essex, Caledonia and Orange Counties.  Most of these maps are over 30 years old.

Years since Publication of Flood Maps

FEMA began a modernization process for the flood hazard maps in 2004 with the primary intention of making an official computer version available for users.  It was projected at that time that the process would be complete nationally by 2009.  Since that time pressure for updated studies (not just digitized), and the requirements, for those studies have increased the quality of the new maps at the expense of the quantity.

Since FFY11 the federal budget for map updates has been cut by 60% and priority for the dwindling investment has been directed to mapping flood hazards for coastal communities and communities behind levees.

Federal Budget Allocated to Update Flood Maps

When funding does become available for mapping in Vermont it will be through the process and standards of RiskMAP.   Through RiskMAP new flood hazard maps need to have high quality topography (i.e. the equivalent of two foot contour intervals) and a model-based delineation of flood hazards.  The map work will focus on watersheds (HUC-8).

HUC-8 Watersheds in Vermont

At this time multiple agencies have worked through USGS in Vermont to secure high quality topography from LiDAR for several watersheds that need updated flood hazard maps.  These areas include: the Missisquoi, Upper Connecticut River, and lower Otter Creek Watersheds.  LiDAR is also being acquired for much of the Lake Champlain Shoreline.

In March of this year the Association of State Floodplain Managers released a paper Flood Mapping for the Nation: A Cost Analysis for the Nation’s Flood Map Inventory  detailing funding needs to complete and maintain flood maps nationally.

VT DEC continues to express the acute need for map updates in Vermont.  Hopefully, as national coastal projects are finalized, FEMA can initiate work on inland riverine and lakeside flood maps.  Inadequate funding from Congress will prolong the absence of accessible and current data.  Data that is needed to plan for plan for community flood resilience, mitigate structures, and to correctly identify flood risk for insurance needs.

Bennington County DFIRM Update

The Bennington County Preliminary Digital Flood Insurance Rate Map (DFIRM) will be updated by FEMA to include new data provided by the Town of Bennington for flood hazards along the Roaring Branch of the Walloomsac.  The new Preliminary DFIRM will be released in the fall and a new 90-day Review and Appeal Period will open in February 2014. 

At this time it is projected that the Bennington County DFIRM will get a Letter of Final Determination in September 2014 and become effective in March 2015.

The Biggert-Waters Flood Insurance Reform Act of 2012 has expanded the opportunities for map appeals.  Now, where ever the delineation of the flood hazard has changed (not just the Base Flood Elevation) the community can present FEMA with higher quality engineering data for inclusion.  Please see the information at: Changes to FEMA’s Appeals Process.

Communities in Bennington County that are still in the process of updating their flood hazard area bylaws should plan to complete the process before the holidays 2014.

In the meantime, communities may want to update their bylaws to qualify for Flood Resilient Communities incentives under ERAF.