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)

Homeowner Flood Insurance Affordability Act of 2014 - What's Changed from BW12?

Update...
After many of the new provisions of Biggert-Waters Flood Insurance Reform Act of 2012 (BW12) started going into effect, we had written about discussions and a US Senate bill that was working its way through Congress to roll back many of the BW12 provisions.  While there were many issues that seemed to need some working out, chief among them affordability provisions for the new rates and increasing funding for mitigation projects, a final bill was sent from the House of Representatives to the Senate and was voted on on 3/13/2014.  The President signed the new Homeowners Flood Insurance Affordability Act (HFIAA) into law on 3/21/ 2014.

The new HFIAA certainly does not repeal all of BW12.  You can see a comprehensive list of all of the changes included in the HFIAA that was compiled by the Association of State Floodplain Managers (ASFPM) - Analysis of HFIAA, but here are some of the more prominent provisions and changes resulting from the passage of the bill:

• Repeals provision that triggered full-risk insurance rates for pre-FIRM properties;
• All policyholders will receive an annual surcharge on their flood insurance bill: $25 for primary residences, $250 for all other properties;
• Changes the annual flood insurance policy rate increase cap from a maximum of 20% to a maximum of 15%;
• Establishes a maximum cap of 18% per year in premiums increases on any individual properties (exceptions are noted in the ASFPM Analysis of HFIAA);
• The Act establishes a new, slower path to full-risk rates for some properties (increasing premiums by at least 5% per year) where grandfathering is not possible;
• Provides for some exceptions and options to escrow flood insurance premiums during a real estate closing;
• Increases the residential deductible limits to $10,000 from $5,000

For more information about the background on the passage of BW12 and HFIAA, there is a good article that was published in Slate Magazine.

Intro to the Community Rating System Webinar

In addition to the other Community Rating System (CRS) Webinars that we listed here, another webinar has been announced that is sponsored by the Natural Hazard Mitigation Association (NHMA, www.nhma.info).  This additional webinar will be held on March 10 from 1-2pm EDT (remember that March 9 is the beginning of Daylight Savings Time!).  This webinar is intended as an introduction to the CRS program for anyone who may be interested in learning more about the program basics.

To register for this event, please go to: https://attendee.gotowebinar.com/register/8591352219184717825.

From the NHMA announcement:

NHMA is offering a webinar, “Introduction to the Community Rating System.” The Community Rating System (CRS) provides reduced premiums for flood insurance policy holders in communities that implement programs and activities that exceed the minimum criteria for participation in the National Flood Insurance Program. If your community conducts floodplain mapping, regulatory, loss reduction, emergency management, and/or public information activities, you could benefit from this program.

This webinar is for people new to the Community Rating System (CRS), especially from communities that are not yet in the program. This one-hour session will introduce FEMA’s Community Rating System, how it operates, the costs and benefits for communities, where to get help, and how to apply. The target audience is local officials, floodplain managers, and members of the public interested in flood protection.

The presenter will be French Wetmore, a CRS consultant.

After registering, you will receive a confirmation email containing information about joining the webinar.

Alessandra Jerolleman, PhD, CFM, MPA

Executive Director

Natural Hazard Mitigation Association

www.nhma.info

Again, to register for this webinar, please go to the webinar registration page.

Upcoming Webinars for the Community Rating System (CRS)

There will be several CRS webinar trainings that will be FREE and held over the course of the next few months. In addition to the Introduction to the CRS webinar, there are also some other more specific webinars.  These additional webinars include Developing Outreach Projects (Activity 330) and Higher Regulatory Standards (Activity 430).  

You can sign up for the webinars either through the CRSResources.org website or by going directly to the Atkins Global website, the host for the webinars.

Upcoming Webinar Schedule:

Introduction to the Community Rating System
February 18th, 1:00 pm Eastern Time
March 18th, 1:00 pm Eastern Time
May 20th, 1:00 pm Eastern Time
July 15th, 1:00 pm Eastern Time

Developing Outreach Projects (Activity 330)
February 19th, 1:00 pm Eastern Time
April 16th, 1:00 pm Eastern Time

Higher Regulatory Standards (Activity 430)
March 19th, 1:00 pm Eastern Time

Other future webinars that are on their way include:

• Preparing for the CRS Verification Visit
• Higher Regulatory Standards (Activity 430)
• Drainage System Maintenance (Activity 540)
• Natural Floodplain Functions

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. 

CRS Webinar

There is an upcoming webinar that FEMA has scheduled about the Community Rating System (CRS) Program.   The webinar is intended to be an introduction to the CRS program.  The objective of the Community Rating System (CRS) is to reward communities that are doing more than meeting the minimum NFIP requirements to help their citizens prevent or reduce flood losses.  If a community is enrolled in the CRS Program, almost all flood insurance policies in the community receive some level of discount on the paid premium.  Currently, all CRS communities in Vermont receive a 5% discount on flood insurance premiums, although there is the potential for a community to receive up to a 45% discount on flood insurance premiums. 

There had been a webinar proposed for January, but filled up in less than a day.  If you are interested in participating in this February webinar, I would encourage you to sign up soon, as the last one filled up so quickly and their webinar software only allows for 100 participants at a time.  We will post any information about additional webinars, too.

CRS Webinar Series: Introduction to CRS
Tuesday, February 18, 2014
10:00 am, Pacific Standard Time (1:00 pm Eastern)
Session Number: 654 589 020
-------------------------------------------------------
To register for this training session
-------------------------------------------------------
Go to https://atkinsglobalna.webex.com/atkinsglobalna/k2/j.php?ED=229216312&UID=0&HMAC=d3ebf7c3d0918b6ff7191ef78c531c554c213d97&RT=MiM0 and register.

The contractor is working hard to get the rest of the CRS Webinar Series scheduled. They will all be listed at https://atkinsglobalna.webex.com/tc very soon (some are already there). Click the “Upcoming” tab, and check back often for updates.

Upcoming ASFPM Webinar November 14th on Biggert-Waters Flood Insurance Reform Act

A third webinar was added by the Association of State Floodplain Managers (ASFPM) about the Biggert-Waters 2012 (BW12) National Flood Insurance Program Reform Act.  A third webinar was added due to the previous two being sold out.  The webinar will help to clarify the changes that are occurring to flood insurance rate changes, the elimination of flood insurance subsidies and questions about how the changes might affect communities. 

The webinar is scheduled for Thursday, November 14 from 3-4pm EST. 

There will be 1 Continuing Education Credit for CFMs that participate in the webinar.

Cost:
$30 ASFPM Individual Members (you should have received an email with an event promo code that will give you this preferred rate)
$45 ASFPM Chapters/Agencies/Corporate Partners
$60 Non-Members

A link to more information about this webinar, and a link to the registration website.

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. 

August STARR Webinars for DFIRMs, Elevation Certificates, Biggert-Waters, and Determining a BFE

Hello all,

I’d like to present the upcoming free, online trainings available through STARR. These trainings cover a variety of topics, from the NFIP basics through specifics of elevation certificates, and are presented by STARR staff, FEMA, and State organizations. Many of the courses are eligible for CEC credits for Certified Floodplain Managers.

Please feel free to register for any courses you are interested in attending, and invite or pass information on these courses on to potentially interested communities or organizations in your states. Also, if you are interested in using this online platform for any trainings that your state would like to present, STARR can support you in that effort. Please let me know if you’d like additional information on hosting online trainings.

To register for a course or to check on upcoming courses, navigate to http://j.mp/starrwebtraining  and click the “Upcoming” tab. 

Below are the courses available in August:

August 14, 12:00 pm Eastern – Using DFIRMs and Other Digital Flood Data

This one-hour beginner level session will provide a basic overview of digital flood insurance rate maps (DFIRMs) including how to use the DFIRM database in ArcGIS, using flood hazard data for mitigation and public outreach, and online resources for non-GIS users. The target audience are state and local officials that use DFIRMs for day to day floodplain management duties and/or beginner level GIS staff that support those functions. 1 CEC for ASFPM CFMs

August 15, 1:00 pm Eastern – Elevation Certificates for A Zones

Training on the proper way to complete FEMA Form 81-31 and best practices for using the Elevation Certificate in the floodplain development review process. Special consideration to using the form in A Zone without a BFE. 2 CECs for ASFPM Certified Floodplain Managers (CFMs) that register and attend individually and pass the learning objectives quiz at the end of the session.

August 21, 2:00 pm Eastern – Biggert-Waters NFIP Reform Act of 2012

The Biggert-Waters National Flood Insurance Program Reform Act of 2012 (BW-12) resulted in major changes to the NFIP. This session will provide an overview of the changes and implementation. This is an important informational opportunity for all local officials participating in the NFIP. Continuing Education and Professional Development Credits are available.

August 22, 1:00 pm Eastern – Elevation Certificates

Training on the proper way to complete FEMA Form 81-31 and best practices for using the Elevation Certificate in the floodplain development review process. 2 CECs for ASFPM Certified Floodplain Managers (CFMs) that register and attend individually and pass the learning objectives quiz at the end of the session.

August 28, 2:00 pm Eastern – Determining a Base Flood Elevation

Training on methods for determining base flood elevation in AE and A Zones using the FIRM/FIS and other resources, including tips for developing BFEs for A Zones. 1 CEC for CFMs.

Please contact Alex Sirotek from STARR if you have any questions.

Alex Sirotek, CFM 

STARR 

FEMA Region 1 Regional Service Center 

99 High Street, 3rd Floor 

Boston, MA 02110 

617-574-4402

Flood Insurance Premiums Rising for Older Homes

A number of changes are underway with the National Flood Insurance Program in response to the Biggert-Waters NFIP Reform of 2012.  These changes include steps to make the program financially solvent - in particular by eliminating or phasing out existing subsidies in the program.

New flood insurance policies are now required to pay actuarial rates.   This situation includes older homes and structures in flood hazard areas that have long benefited from a subsidized flood insurance rate.

Older structures (built before the first Flood Insurance Rate Maps typically in the late 1970s) are called "Pre-FIRM" (Pre-Flood Insurance Rate Map) structures.   A new flood insurance policy for a Pre-FIRM structure is now required to pay actuarial rate for the class of "Pre-FIRM" structures.  The specific premium still reflects the value of the structure and the deductible.

New policies or policies renewed after October 1, 2013 will need an Elevation Certificate (EC).  An Elevation Certificate describes the location of the building in relation to the elevation of the flood water (Base Flood Elevation).  An EC has been required for new Post-FIRM structures - but this is the first time that it will be needed for older Pre-FIRM structures.  With an Elevation Certificate, Pre-FIRM structures will get rated based on their specific actual risk situation - notably the elevation of the lowest floor (including the basement).

Please see the Summary on Biggert-Waters.  The summary includes links to additional FEMA information and other resources.

If you have a current flood insurance policy on a residential Pre-FIRM structure - the rates will rise to actuarial cost at 20% / year.

Please contact your homeowners insurance agent to discuss flood insurance costs and how you may be able to reduce your costs by making your structure safer and less risky.  This is particularly important as it will affect the situation at a future time of sale.

Vermont communities may want to consider steps to help property owners get Elevation Certificates - such as encouraging neighbors to hire a surveyor together, and/or to establish more local elevation benchmarks.

Communities may also want to pursue the FEMA Community Rating System (CRS) to provide access to discounts on flood insurance rates.

Free Online Trainings Offered in April

We recently received an announcement that 5 online trainings will be offered throughout the month of April.  These trainings will be hosted by STARR, one of the FEMA contractors that has been working on FEMA Flood Insurance Rate Map (FIRM) updates throughout New England and the rest of the United States.

The trainings that will be offered cover several different topics that may be relevant and helpful to anyone who has some involvement with or interest in floodplain management.  Many of the courses are eligible for CEC credits for Certified Floodplain Managers.

To register for a course or to check on upcoming courses, navigate to http://j.mp/starrwebtraining and click the “Upcoming” tab. Below are the available courses offered in April. We understand that there will be monthly updates on upcoming courses. Courses like the MT1 training and NFIP basics are repeated frequently.

April 11, 1:00 pm Eastern – Elevation Certificates for A Zones

Training on the proper way to complete FEMA Form 81-31 and best practices for using the Elevation Certificate in the floodplain development review process. Special consideration to using the form in A Zone without a BFE. 2 CECs for ASFPM Certified Floodplain Managers (CFMs) that register and attend individually and pass the learning objectives quiz at the end of the session.

April 17, 1:00 pm Eastern – Biggert Waters NFIP Reform Act of 2012

The Biggert-Waters National Flood Insurance Program Reform Act of 2012 (BW-12) resulted in major changes to the NFIP. This session, presented by FEMA Region X, will provide an overview of the changes and what is being done to implement the legislation. Continuing Education and Professional Development Credits are available.

April 18, 1:00 pm Eastern – NFIP Basics

This one-hour session will cover the history of the National Flood Insurance Program (NFIP), basic terminology, governing authority, and provide an overview of the community’s role in floodplain management through the National Flood Insurance Program (NFIP). The target audience are state and local officials who need a general understanding of the ins and outs of the program and guidance on where to go for more training and answers. Continuing Education and Professional Development Credits are available.

April 24, 1:00 pm Eastern – Preparing Data for Hazus

This session is targeted to those interested in how to update Hazus with local data from parcel/assessors information. We will describe the data required to update the Hazus general building stock data. The session will feature tutorials on how to update data using the Comprehensive Data Management System. We will also cover what is required for a user-defined analysis for the Earthquake and Flood modules. Continuing Education and Professional Development Credits are available.

April 25, 1:00 pm Eastern – MT-1 Basics

This webinar is designed to give a broad overview of the MT-1 review process and review procedures that will help applicants submit a completed MT-1 application to facilitate processing by FEMA. Attendees will learn what is required to submit a complete application, including how to fill out the forms and use FEMA’s new online LOMC submittal tool. In addition, the course will outline the differences between LOMAs, eLOMAs, LOMR-Fs, and conditional LOMCs. Participants will learn how to submit more complete LOMC requests that can be processed more quickly and with fewer additional data requests. The community’s role with regards to the MT-1 process will also be discussed. This course is designed for State and Local officials, engineers, surveyors, and anyone interested in learning more about the MT-1 process. Continuing Education and Professional Development Credits are available.

 

If you have questions about the webinars or course information, please contact the New England region STARR contact, Alex Sirotek:

Alex Sirotek, CFM
STARR
FEMA Region 1 Regional Service Center
99 High Street, 3rd Floor
Boston, MA 02110
617-574-4402, SirotekAR@cdmsmith.com

Flood Insurance Information for Washington County - Handout 2013

Information online:      vtfpm.blogspot.com

Map online:                  tinyurl.com/vt-atlas

A new Digital Flood Insurance Rate Map (DFIRM) will become in effect in Washington County on March 19, 2013.  This is an important time to review the map to identify the risks to your home or structure and to understand your flood insurance options and requirements.  Structures that will be identified as being in the Special Flood Hazard Area for the first time may benefit by getting flood insurance now before the new map goes into effect.

The cost of flood insurance in high risk areas (Special Flood Hazard Areas mapped as Zone A or Zone AE) currently costs around $1,400 per year for a $170,000 structure.  Flood insurance in low or moderate risk areas (Zone X, C, B) costs less.  Additionally, most structures in Zone X or C may be able to secure flood insurance as a “Preferred Risk Policy” (PRP) for around $400.

Suggested Actions:

1.  This week - Is your home is in Zone A or AE on the new DFIRM?   (tinyurl.com/vt-atlas)

Is your home in Zone A or AE on the current FIRM? (www.msc.fema.gov)

2. By early February - If your structure will be identified as being in a high risk area (Zone A or AE) in March – but is not currently – then you may be able to get a low cost PRP policy now and renew it (at least twice) before the insurance premium is raised step-wise to the full actuarial cost.

3. If your structure is in a Zone X (or Shaded Zone X) flood insurance may still be important to protect the value of your structure from the impact of overland flow or flooding-caused erosion.

4.  Talk to your homeowner’s insurance agent to secure flood insurance.

5. If you have a flood insurance policy that is not at full actuarial rate – don’t drop coverage!

6.      If your structure is in a high flood risk area – identify options (such as elevation) to reduce the risk of damage and the cost of flood insurance.

Flood Maps:

Vermont Natural Resource Atlas tinyurl.com/vt-atlas now has the Washington County DFIRM data available (find under Watershed Protection and Special Flood Hazard Areas (Preliminary).  

FEMA Map Service Center  www.msc.fema.gov  has current and historic FIRM maps - look under Product Catalog  The current maps have a white background.

 The municipal office has paper copies of the current FIRM and digital copies of the upcoming DFIRM.

 Contacts

Vermont Rivers Program   www.vtwaterquality.org   

Watershed Management Div. /Dept. of Environmental Conservation/Agency of Natural Resources

Floodplain and River Corridor Program Blog  vtfpm.blogspot.com

Ned Swanberg  ned.swanberg@state.vt.us     802.490.6160

If you send a request to Ned, he can make a map of the area near your home showing a rough version of the current “Q3” and new (3/19/13 DFIRM) mapped boundaries of the Special Flood Hazard Area.

Links and Resources 

Flood Insurance Information:  www.floodsmart.gov

Flood Insurance Rate Map (FIRM) identifies Special Flood Hazard Areas labeled as Zone A, AE, AO, A 1- 30.    The DFIRM is a new officially “digital” version of a FIRM.

How to Make a FIRMette (how to make a map of the current FIRM data).

Preferred Risk Policy (PRP)  Flood insurance option for low to moderate risk areas without a history of flood claims. 

Elevation Certificate (EC) – is stamped by a surveyor or engineer and documents the elevation of the lowest floor of a structure.

Letter of Map Amendment (LOMA) is completed by a surveyor or engineer to describe the location of the structure (or an area including the structure) relative to the mapped flood hazard.  MT-EZ: Application Form for Single Residential Lot or Structure Amendments to National Flood Insurance Program Maps    Online LOMC tool: www.fema.gov/online-lomc

Cheaper Flood Insurance – Five Ways to Reduce Premiums – recommendations on reducing the impact of flooding on structures and their contents.

Community Rating System (CRS) – A National Flood Insurance Program initiative to discount

Pre-FIRM designates structures that were built before the community joined the National Flood Insurance Program.  Pre-FIRM structures are rated as a group against the risk to the group.

Summary of Map Actions (SOMA) was sent to each municipality and identifies how the new DFIRM will effect the recognized zone of a structure with a LOMA or letter of map change.

Biggert-Waters Flood Insurance Reform Act of 2012 – made significant changes to the insurance component of the National Flood Insurance Program (NFIP) with the intent of making the program financially sound.  This Act has begun a process of changes to cause flood insurance rates to approach actuarial rates.

Advanced Hydrologic Prediction Service - National Weather Service