VPR Story about VT's River Corridor Program

Happy New Year everyone!  On the first day of 2016, Vermont Public Radio (VPR) aired a story about the Vermont Rivers Program and our partners work to protect river corridors in Stowe and throughout Vermont. Kathleen Masterson reported this piece, and interviewed our VT Rivers Program manager, Mike Kline, along with Tom Jackman, Planning Director for the Town of Stowe, Heather Furman, the Vermont state director for the Nature Conservancy and Caitrin Maloney of the Stowe Land Trust.  If you have an extra 5 minutes to spare, it's worth the listen.  You can find the story here on VPR's website

ASFPM 2015 - Call for Presenters!

Hello all,

It is October, so that means that presentation and abstract deadlines are on the horizon for the Association of State Floodplain Manager's (ASFPM's) 2015 Annual National Conference in Atlanta, GA!

May 31 - June 5, 2015 

Hyatt Regency Atlanta 

Atlanta, Georgia

www.asfpmconference.org  

Every year, the ASFPM Call for Presenters deadline is on October 31st, so it is time to pull together ideas for both Concurrent Session presentations and Workshop submissions for this end of the month deadline.  The 2015 National Conference theme is Mitigation on My Mind.  The Call for Presenters is seeking a broad range of professionals to address the many issues and problems associated with managing flood risk, making communities more sustainable, and protecting floodplain and natural resources.

Abstract are due by October 31.  Go to the conference website and follow directions for the on-line submission.

In the past, there have been more than double the number of abstracts submitted to number of presentation openings available for concurrent session speakers. To increase your odds of being selected as a speaker for the concurrent sessions, you can review the 2015 Speaker Tips Brochure.

Questions?  Contact ASFPM Conference Planner Chad Ross at chad@floods.org.

Is Your Community Flood Ready?

How will post-disaster funding for communities change in October?  

What does your community need to do?  

Is you community planning in order to avoid flood damage?

Visit the new Flood Ready Vermont website www.floodready.vermont.gov to find out.  

Flood Ready Vermont has the tools and data your community needs to:

• Get up to speed on the Emergency Relief and Assistance Fund (ERAF);
• Identify flood hazards and take action to minimize future damage;
• Update your community plans; and,
• Find out what communities are doing to get flood ready

Use the Flood Ready Atlas to help you identify what is working to keep your community flood resilient and where structures are at risk.  Community Reports quickly compile useful information for your municipal and hazard mitigation plans.  

Flood Ready Vermont www.floodready.vermont.gov is a place where community leaders can share information and ideas to make our communities more flood resilient.  

Funding for the design of the website was provided by the High Meadows Fund, promoting vibrant communities and a healthy natural environment while encouraging long term economic vitality in Vermont; and through a Federal Emergency Management Agency Hazard Mitigation Grant.

Early partners to inspire and help launch the site include the Connecticut River Watershed Council (CRWC) and the Conservation Law Foundation (CLF), as ably represented by David Deen, Upper Valley River Steward for CRWC; Angela Mrozinski, Outreach Director for CRWC; Ron Rhodes, North Country River Steward for CRWC; and Anthony Iarrapino, Senior Attorney for CLF.

The website development and design team was led by Daniel Shearer, Tamarack Media Cooperative, and Beka Mandell, Webskillet Cooperative.

Let us know what you think and tell your story about working for flood resilience!

Planning for Increasing Precipitation and Flooding

A recent article was published in the New York Times on 5/12/14 - "Looks Like Rain Again.  And Again."  In the article, the author cites past studies from 2 decades ago or earlier that predicted the changes in our climate that we are now living through, namely increased precipitation during storm events.  Long term climate data has shown that the Northeastern US has seen a dramatic increase in precipitation amounts falling during storm events.  And when there is an increase in the amount of rain or snow falling during a storm, it usually ends up resulting in a greater frequency of flooding in places that have traditionally acted as floodplains.  Another result may be that people may start to see areas that had very rarely flooded in the past flood on a somewhat regular basis.  Some of these thoughts and ideas can be seen in a New York Times blog post "Three Long Views of Life With Rising Seas" that contains 3 interviews focused on how humans may look to deal with impacts from sea level rise.

This isn't the first time that we have seen evidence of increasing precipitation in the Northeastern US.  If anyone reading this has been to one of our presentations to communities, you may have seen a graphic that was taken from a report that was released from the White House Council on Environmental Quality -"Progress Report of the Interagency Climate Change Adaptation Task Force: Recommended Actions in Support of a National Climate Change Adaptation Strategy (10/2010)".  This report found that there had been a 67% increase in the amount of precipitation that was falling during the heaviest storm events each year.  That means that the biggest storm events that we experience each year is bringing more rain or snow on average.

I think that many Vermont communities have been experiencing this increase in precipitation and flooding first hand.  Some of you may already be aware of the ANR Flood Resilience Sharepoint website.  This website aims to include information that individuals and community officials can use to better prepare for the increased flooding and precipitation that we have been experiencing around the State and in New England.  This Sharepoint site will be replaced this summer by a collaborative website that will be called Flood Ready.  The intent of the Flood Ready website is to expand upon the information that can be found on the ANR Flood Resilience Sharepoint site and present it in a way that can be helpful to a wide range of users.

Have you been noticing changes in your own community?  What steps have you been taking to try to address this issue?

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)

US Senate Passes Bill to Delay Implementation of BW12

2/12/14 Update:  Here is a FEMA FAQ about the impacts of this bill on the implementation of BW12

There have been several articles (Washington Post, NYT) published today that provided details on the US Senate's passage of a bill to delay the implementation of Biggert-Waters Flood Insurance Reform Act of 2012, or BW12.  There has been discussion about a possible repeal or delays of the BW12 bill for several months.  However, this discussion seems to have gained more steam as homeowners and other people with structures located within the Special Flood Hazard Area are starting to receive their new flood insurance premiums.  More information from ASFPM about some of the efforts that are being made to consider or include other options in any bill that may be brought to the floor in the US House of Representatives. 

For anyone who is not familiar with the BW12 bill, the insurance reform act had several goals including changes to flood mapping, flood grants and reauthorizing the National Flood Insurance Program (NFIP) for an additional five years.  However, the changes that BW12 is best known for are changes to the flood insurance aspect of the National Flood Insurance Program.  Many of the flood insurance changes were designed to make the flood insurance fund more stable by reducing the fund's current deficit to the US Treasury, as well as beginning to create extra savings to help the fund to be able to withstand large scale disaster declarations like Hurricanes Katrina, Ike and Sandy.  Another aspect of the flood insurance reforms was to phase in actuarial rates for flood insurance policies which resulted in some groups of people losing the subsidy that they may have for their policy or losing any subsidy when a new policy was written.  Past posts by Ned include some information about how BW12 would impact flood insurance policies within the State of Vermont.  FEMA's website also has quite a bit of information that goes into much fuller detail about these flood insurance changes.

Many people have recognized that the original bill had issues in implementation and execution of the stated goals and objectives, specifically that the phase in of higher rates happened at a relatively fast rate, that some home or other building owners may go right from a subsidized rate directly to a full actuarial rate overnight and while many policy holders may not want to pay the higher premiums for many reasons, there was a definite contingent of people who would not have an actual ability to pay for the higher rates. 

Despite the myriad of issues with the implementation of BW12, the reasons for the passage of BW12 still remains - trying to have the National Flood Insurance Program be able to be fiscally solvent and support itself by the premiums that are paid into the program and to keep general taxpayers for funding flood recovery efforts.  A third very compelling reason for BW12 focused on having people in a flood hazard area recognize and pay for the true cost and risk of living in a hazard area, especially as we have been seeing more frequent and intense flood events and sea level rise starting to impact properties that may have been less vulnerable in the past.  The idea was that if a person living or working in a hazard area had to pay the actuarial flood insurance rate for living in this risky zone, then more structure owners would undertake mitigation efforts to help reduce their yearly premiums.

The Association of State Floodplain Managers (ASFPM) released a Policy Paper in October of 2013 that included 9 recommendations of how BW12 could be altered to improve implementation but cautioned against repeal.  This was in order to help keep moving the NFIP towards fiscal solvency as well as continue to focus on the growing demand for mitigating homes and other infrastructure that is located within the FEMA-mapped Special Flood Hazard Area. Many of the 9 ASFPM recommendations that had been made focused on continuing to promote and encourage meaningful mitigation of flood prone homes in a variety of ways.  This included:

• finding more ways to fund mitigation projects and existing hazard mitigation grant programs;
• exploring ways to better incentivize mitigation efforts through tax incentives or long-term flood insurance policy benefits;
• recognizing partial mitigation efforts by homeowners; and
• making loans more available to home and other building owners who may be looking for ways to mitigate their structure from future floods. 

At this time, it looks like it is uncertain how such a BW12 reform/delay bill will fair in the US House of Representatives, but we will surely hear more of this debate in the near future. 

Property-Owner's Guide to Rebuilding for Flood Resilience workshop

Here is an opportunity that we wanted to pass along.  It is a evening and following full day event in November that is targeted to individual property owners who are looking to get ideas and discuss flood resistant reconstruction techniques.  The intent of this workshop is to incorporate many different topics that can help a homeowner rebuilding after a flood, such as energy efficiency, historic preservation, stormwater management and landscape design.  Registration and additional information can be found at the website listed at the bottom of the post.

DON'T MISS the Property-owners' Guide to Rebuilding for Flood Resilience: a DESIGN CHARETTE to Generate Ideas for Adapting Flood Resistant Reconstruction Techniques to Our Climate and Culture

Integrating Practical Ideas for Flood Hazard Mitigation with Landscape Design, Energy Efficiency, Stormwater Management and Historic Preservation

THURSDAY NOVEMBER 7^TH from 6:30PM – 8:30PM

FRIDAY NOVEMBER 8^TH from 8:30AM – 3:00PM, luncheon provided

REGISTER NOW:

 https://rebuilding-for-flood-resilience.eventbrite.com

 

Interview about Post-Flood Recovery with President Clinton & Gov. Chris Christy - Clinton Global Initiative

A few days ago, I had been sent a link to a video from the Clinton Global Initiative of President Clinton's interview with NJ Governor Chris Christie about post-Sandy flood recovery.  Although this discussion is focused on the recovery of New Jersey after Hurricane Sandy, President Clinton and Governor Christie use it as a way to more broadly discuss the topics of flooding, community planning, mitigation, recovery and the structure of flood insurance in the United States.

You may or may not agree with all approaches or ideas that are presented here (should we be spending billions of dollars on sand dune "re-nourishment" projects that will only last for a short number of years?), but I thought the discussion may help to spark some ideas or questions of your own.  It seems like it is quite a rare interview that has two influential high level policy makers (current and former) in an in-depth and frank discussion about mitigation and recovery.

Some of the highlights of their discussion includes:

• Purchase of flood damaged homes and approach taken by the State of NJ;
• How the National Flood Insurance Program (NFIP) can be re-organized or should flood insurance in the US be completely re-thought;
• Some discussion on the role of the state in the recovery effort;
• Why does Nebraska care about flooding in NJ?; and
• Should another Federal agency be tasked with the role of flood policy, preparedness, planning and mitigation and let FEMA return to an emergency management agency?

You can link to the full 45 minute interview on C-Span's video library here. 

Planning for Flood Resilience - Act 16

On May 6, 2013, Governor Peter Shumlin signed Act 16, an act relating to municipal and regional planning and flood resilience.

A description of Act 16 is posted at the Vermont River Corridor and Floodplain page.

The act requires a flood resilience plan or element for municipal or regional plans effective after July 1, 2014.

§ 4382. THE PLAN FOR A MUNICIPALITY now includes:

(a) A plan for a municipality may be consistent with the goals established in section 4302 of this title and
compatible with approved plans of other municipalities in the region and with the regional plan and shall
include the following:
* * *
(12)
(A) A flood resilience plan that:
(i) identifies flood hazard and fluvial erosion hazard areas, based on river corridor maps provided by the
Secretary of Natural Resources pursuant to 10 V.S.A. § 1428(a) or maps recommended by the Secretary,
and designates those areas to be protected, including floodplains, river corridors, land adjacent to streams,
wetlands, and upland forests, to reduce the risk of flood damage to infrastructure and improved property;
and
(ii) recommends policies and strategies to protect the areas identified and designated under subdivision
(12)(A)(i) of this subsection and to mitigate risks to public safety, critical infrastructure, historic
structures, and municipal investments.
(B) A flood resilience plan may reference an existing local hazard mitigation plan approved under 44
C.F.R. § 201.6.

§ 4348a. ELEMENTS OF A REGIONAL PLAN is modified in a similar way.

The Goals for the Flood Resilience Element are established in § 4302.

§4302. PURPOSE; GOALS
(14) To encourage flood resilient communities.
(A) New development in identified flood hazard, fluvial erosion, and river corridor protection areas
should be avoided. If new development is to be built in such areas, it should not exacerbate flooding and
fluvial erosion.
(B) The protection and restoration of floodplains and upland forested areas that attenuate and moderate
flooding and fluvial erosion should be encouraged.
(C) Flood emergency preparedness and response planning should be encouraged.


Act 16 also addresses Accessory Dwelling Units

In statute Accessory Dwelling Units can now be fully regulated by municipalities consistent with other
development in flood hazard and erosion hazard areas. This enables communities to avoid new
development in hazard areas and to require flood‐proofing and safety standards for proposed
improvements as required for communities participating in the National Flood Insurance Program. Act
16 amends the language providing for both bylaws and for ordinances.


Next Steps

The flood resilience plan component will be important to keep in mind as current work nears adoption or as funding is sought or contracted for upcoming plan updates.

The Vermont Agency of Natural Resources is developing a Flood Resilient Communities Program and website to help municipalities access best available data and resources for flood resilience.

5th Round for the Hazard Mitigation Grant Program (HMGP): Applications Due to DEMHS by July 12th, 2013

Here is an annoucement from the Vermont Division of Emergency Management and Homeland Security (DEMHS).   Grant money is available through FEMA's Hazard Mitigation Grant Program (HMGP) to all Vermont communities for hazard mitigation projects.

All inquiries, questions or concerns regarding the HMGP grants should be sent to Ray Doherty, the VT State Hazard Mitigation Officer  by email at ray.doherty@state.vt.us or by phone at (802) 241-5258 (office).

Hazard Mitigation Grant Program (HMGP) 5th Round

The State of Vermont has received an extension from FEMA for the Hazard Mitigation Grant Program (HMGP) in connection with Tropical Storm Irene.  

The Vermont Division of Emergency Management and Homeland Security (DEMHS) is now accepting HMGP applications from towns and agencies in all Vermont counties in connection with the most recent disasters. The HMGP program is funded through the Federal Emergency Management Agency (FEMA) and is administered by the VT Division of Emergency Management & Homeland Security.   Federal funds are available to cover up to 75% of project costs.  Applicants are responsible for the 25% local match requirement. 

   

We encourage you to identify potential hazard mitigation sites in your communities and apply for funds under the HMGP grant program.  Typical hazard mitigation projects would include: repair and mitigation of local roads and bridges, home or property acquisition (buy-out), structural elevations or relocations, replacement of undersized culverts, remediation of stream bank erosion, flood proofing of municipal buildings, etc.   This is an opportunity for repetitive loss structures, businesses, and other buildings located in the 100-year flood plain to consider elevation, relocation or acquisition.  Project proposals need not be directly connected to flooding from the most recent declared disasters.  Towns may also apply for a grant to develop a local hazard mitigation plan or mitigation initiative projects. 

You may download the HMGP application from our agency’s website at www.vem.vermont.gov or you may contact the State Hazard Mitigation Officer for an application.   On DEMHS’ website, first go to the Mitigation Tab, and then click on HMGP Application and Forms.

Please note the following FEMA eligibility requirements:

1)  Communities must have a FEMA approved and adopted local mitigation plan no later than the date that funds are awarded.  Those towns lacking an approved plan should contact their local Regional Planning Commission for assistance.

2)  Communities must be participating in the National Flood Insurance Program (NFIP), if a special flood hazard area (SFHA) has been identified in the community.   Please contact the Agency of Natural Resources state floodplain coordinator, Rob Evans, for additional information on applying for NFIP membership:  tel (802) 490-6152 or via email at rob.evans@state.vt.us

The application must be completed in full, including maps, list of alternative proposals, engineering plans, hydrology studies (if needed) and a full benefit-cost analysis (BCA) in the FEMA approved format.  If you need help in completing the BCA, you may contact your local Regional Planning Commission.  Some BCA assistance may be available from DEMHS mitigation staff if you make a prior appointment. 

Deadline for 5^th Round HMGP applications:   Friday, July 12, 2013.  

If you wish to apply for an HMGP grant, please submit a Letter of Intent (LOI) to DEMHS by June 7.   The LOI should include a brief description of your proposal and the total estimated cost of your project.  Please indicate if you’ll need assistance in completing the application or benefit cost analysis. 

   Please submit LOIs and completed applications to:

            Ray Doherty, State Hazard Mitigation Officer
            VT Division of Emergency Management & Homeland Security
            103 South Main Street
            Waterbury, VT  05671

Tel (802) 241-5258 (office)
            Email:  ray.doherty@state.vt.us

Applications should be submitted in hard copy (paper application) and in electronic format such as a PDF file.  Applications will not be accepted if submitted past the deadline. 
Please note that HMGP funds are awarded on a competitive basis and all applications are subject to review and selection by the State Mitigation Project Committee and FEMA.  

Mitigation Ideas: A Resource for Reducing Risk to Natural Hazards.

FEMA has recently released a new document for communities considering how to plan for and adapt to natural hazards.   The Mitigation Ideas includes some material relevant to Vermont.

Follow the link here: Mitigation Ideas: A Resource for Reducing Risk to Natural Hazards. to download the .pdf.