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.

New Flood Map for Richmond Goes Into Effect Aug. 4 Last Chance to Grandfather Flood Zone

An updated flood map will become effective in the Town of Richmond on August 4, 2014. Flood Insurance Rate Maps are produced by FEMA to identify flood hazard risks for the National Flood Insurance Program.  The current and future flood hazard maps are viewable at the Richmond Town Center Building.  The current map is also online at the FEMA map service center www.msc.fema.gov .  To view the new maps (upcoming Preliminary Digital Flood Insurance Rate Map (DFIRM)) please visit the Vermont Flood Ready Atlas at tinyurl.com/floodreadyatlas

Owners of buildings in Richmond should be aware of the flood risks shown on the new map.  Over one hundred buildings currently identified as in low risk locations will be reclassified as being in high risk locations when the new map goes into effect. If a building is currently identified as in a low risk location, and later will be in a high risk location, a special low cost insurance opportunity is available to those who obtain flood insurance immediately before the map change.

The Town of Richmond has worked with Chittenden County Regional Planning Commission to help identify buildings in or near the area of map change.  Please remember that the official version of the current map (July 5, 1982) is actually the paper (or .pdf) version of the map.  Contact the Richmond Town Planner at 434-2430 or townplanner@gmavt.net for more information.

Buildings identified as going from low risk to high risk during the map change are eligible to obtain flood insurance now at the lowest rate.  If the policy with the grandfathered rate zone is maintained it can be passed on to future owners. Structures in the area of map change that do not have an active policy (check deposited) by the time the new designation goes into effect will have access to a Preferred Risk Policy (PRP) in the first year, then rates will gradually increase to the full costs for a property considered high risk. Please note that the policy must be paid, processed and fully in effect before August 4th to qualify for lower rates. To get flood insurance or more information on grandfathering contact the agent that provides your homeowner’s insurance or find an agent using www.FloodSmart.gov

Flood insurance is rated for the highest risk area that any part of the building touches.   Any mortgage or loan to a building in the Special Flood Hazard Area must have insurance for the flood risk. In Richmond, most of the structures in the Special Flood Hazard Area as identified on the new map do not have flood insurance and would benefit by immediately securing insurance.

The Town of Richmond has reached out to people in the area of change to inform them of their need to get insurance.  Affected residents who wish to obtain grandfathered status and rates should not delay. Flood insurance must be paid, processed and in effect by August 4th in order to achieve grandfathered status.

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)

Am I in a Flood Hazard Area?

Special Flood Hazard Areas (SFHAs) are shown on the Flood Insurance Rate Maps (FIRM) as Zone A, AE, AH, AO or A 1- 30.   FIRM maps can be viewed at the municipal office but they can also be found online at the FEMA Map Service Center

Most Vermont communities have FIRMs and some communities have an officially-digital version called the Digital FIRM or DFIRM.  DFIRMs are available in Chittenden, Rutland, Washington, Windham, and Windsor Counties and for several towns (Bradford, Hardwick, Jay, Montgomery, Newbury, Wolcott, and Stowe).

DFIRMs can be viewed at:

FEMA Flood Map Viewer , OR

Vermont Natural Resources Atlas at  tinyurl.com/vt-flood 

and using the Google Earth kmz file available at the FEMA Map Service Center).

Preliminary DFIRM data is now available for Bennington County (5/18/12) and the Town of Richmond (9/11/13).   

Preliminary DFIRM data can be viewed at the municipal office or found online at the Vermont Natural Resources Atlas. 

To view the Preliminary DFIRM data in the Atlas

1.      Use Quick Tools to search for a street address

2.      Find the best result in the list and click on it, the choose Zoom to Feature

3.      Click on Map Layers (shown as a stack of green, red and gray layers at the bottom of the screen).

4.      Click on the "+" sign next to the Watershed Protection  Layers

5.      Click on the empty box next to Special Flood Hazard Areas (Preliminary DFIRM)  Layer

6.      Click on the gray box beside that layer to reveal the Legend

To print or save a map:

1.      Click on the Map Tools icon (wrench and screwdriver) in upper right corner of screen.

2.      Click on Print Map (it will automatically incorporate a legend and scale bar).  You can choose to “print” (save) a pdf or jpg version and then email or print that image.

Non-DFIRM Maps (FIRMs and FHBMs)

Where the community does not have an official DFIRM you can view the current data online and make a FIRMette (a small version of the official data).  FIRM maps do not have an aerial image in the background so you must include features such as intersections from which to measure and plot the location of your building.

To find a FIRM use the Product Catalog.   Then click on Get Current FEMA Issued Flood Maps.

In the list of maps the map ending in INDO (eg 500001IND0 ) is the index or map of map panels.   Once you have your bearings on the map panel you can open the correct panel and Make a FIRMette, and save it as a pdf or tif.

Need Map Help?

FEMA Map Information eXchange (FMIX)

FEMA Map Specialist 1-877-FEMA-MAP,   FEMAMapSpecialist@riskmapcds.com

Structures in the Special Flood Hazard Area (Zone A, AE, A1-30, AO, AH) have more than a 1 in 4 chance of being exposed to a flood during a 30 year mortgage.  

FEMA's Floodsmart website has information about flood insurance and a tool to estimate flood damage for a structure built on a slab.