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.

Draft DEC Flood Hazard Area and River Corridor Protection Procedure - Comments Invited through Nov. 3

Transmittal of DEC Flood Hazard Area and River Corridor Protection Procedure

By the Department of Environmental Conservation

October 6, 2014

The Vermont General Assembly passed Act 138 in 2012 requiring the Agency of Natural Resources (ANR) to adopt a Procedure that will:

 Outline methods for assessing the sensitivity (i.e., stability) of rivers in the state; delineating river corridors based on sensitivity; and identifying where flood and fluvial erosion hazards pose a probable risk of harm to life, property, or public infrastructure;

 Aid and support the municipal adoption of river corridor, floodplain, and buffer bylaws; and

 Recommend best management practices for river corridors, floodplains, and buffers.

Acts 138 and Act 107 also required the State to adopt a Flood Hazard Area and River Corridor Rule with the authority to set standards in exceedance of the minimum regulatory standards required by the National Flood Insurance Program administered by FEMA. The Administrative Rule will apply to activities exempt from municipal regulation, i.e., state building and transportation projects, public utilities, and agricultural and silvicultural activities. The proposed Rule would establish a “no adverse impact” (NAI) standard, which essentially limits proposed state facilities or utilities from making any change in the height or velocity of floodwater that would increase inundation or erosion hazards.

The draft Flood Hazard Area and River Corridor Protection Procedure (attached) explains how the Department of Environmental Conservation (DEC) will utilize the same “no adverse impact” standard in providing technical assistance and regulatory recommendations to municipalities, Act 250, and other regulatory agencies. While NAI is the standard ANR has applied since 2004 in making Act 250 recommendations and under Criterion 1D for the NFIP floodway and the ANR river corridor1, it is a higher standard to be met in the flood hazard area outside of the NFIP floodway recommending measures of compensatory storage when necessary.

The Procedures also explain how:

a) Flood hazard areas, river corridor, and Act 250 floodways are delineated;

b) Flood hazard area and river corridor maps are amended or revised by the Department and other parties;

c) Waivers from the NAI standard are used to encourage land use planning for infill, redevelopment, and the shadowing of other structures; and

d) Best practices may be used to promote stream and floodplain equilibrium conditions and the natural attenuation of flood sediments, heights, and velocities that influence flood inundation and fluvial erosion.

The River Corridor and Floodplain Protection Program will accept public comments until November 3, 2014. Written comments should be addressed to ANR.WSMDRivers@state.vt.us or DEC Rivers Program, Watershed Management Division, 1 National Life Drive, Main 2, Montpelier, VT 05620-3522

1 ANR River Corridors are calculated and field-measured areas providing for the stream dynamics, meanders, and the riparian buffers necessary for the restoration and protection of naturally stable or least erosive river forms. Corridors show an area where any stream channelization measures used to protect development or other improvements contribute to an increase in fluvial erosion upstream and downstream and adversely affect public safety, riparian landowners, and river ecosystems.

Free FEMA Trainings in Vermont, 9/15-9/17

We have been able to arrange a few different FEMA trainings to be offered around Vermont next week.  All of the trainings are FREE, but space is limited, so be sure to RSVP to Morgaine Bell of the Vermont Rivers Program ASAP.

These classes are geared towards local zoning administrators, local and regional planners, consultants and engineers, but all are welcome.  And please note that you need not be from Vermont to attend!  So please send a link to this post to anyone you think may be interested in these classes.  

We will have the trainings pre-approved for Certified Floodplain Manager (CFM) Continuing Education Credits (CECs) as well, so this will be a great way to get some additional CECs in for this year.  

Trainings:

Monday, September 15th
Act 250 Conference Room, Fish & Wildlife Building
111 West Street, Essex Junction VT

8am-12pm: Coastal Construction
1pm-5pm: Floodplain Management


Tuesday, September 16th
St. Albans Free Library
11 Maiden Lane, St. Albans VT
8am-12pm: Coastal Construction


Winooski Conference Room
1 National Life Drive - Main 2, Montpelier VT
12pm-4pm: Intro to CRS and CRS Quick Check

Wednesday, September 17th
Welcome Center
3 Railroad Ave, Windsor VT
8am-12pm: Floodplain Management

Intro to Community Rating System (CRS)

This short session is designed for local officials interested in learning more about the Community Rating System (CRS).  CRS recognizes community floodplain management activities that exceed the minimum NFIP standards. Besides the benefit of reduced insurance rates, CRS floodplain management activities enhance public safety, reduce damages to property and infrastructure, avoid economic disruption and losses, and protect the environment. More information about CRS is available online at: http://crsresources.org/

CRS Quick Check
The Community Rating System (CRS) Quick Check is a new tool developed to help communities join the CRS.

The objective of the CRS Quick Check is to show that the community is doing enough floodplain management activities above and beyond the minimum requirements of the National Flood Insurance Program to warrant 500 credit points, enough to be a CRS Class 9 or better. This workshop is designed to assist communities that are interested in applying for CRS by discussing the more common activities that CRS communities receive credit for and what documentation would be needed to support the credited points. The Quick Check is available online at: http://crsresources.org/joining-the-crs/quick-check/ 
Please bring your completed checklist and/or questions to this class.

Intro to Floodplain Management (NFIP 101)

This introductory course is designed to provide an organized training opportunity for local officials responsible for administering their local floodplain management ordinance. The course will focus on the NFIP and concepts of floodplain management, maps and studies, ordinance administration, and the relationship between floodplain management and flood insurance. The FEMA Elevation Certificate (EC) and Map Service Center (MSC) website will also be discussed briefly during the course.

Intro to Coastal Residential Construction

This intense workshop is intended to give attendees an overview of the contents of FEMA’s Coastal Construction Manual and to provide information on how to ensure one- to four-family residential buildings in coastal areas are properly sited, designed, constructed, and maintained. This course is a compressed version of the E386 Residential Coastal Construction held over 4 days at EMI yearly.  In addition, staff of the VT Watershed Management Division’s Lakes and Ponds Program will be providing information about how these coastal construction techniques may overlap with the new Vermont Shoreland Permit Program.

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)

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. 

Upcoming Online Trainings for November

From our FEMA Region 1 Service Center contact, Alex Sirotek:

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 https://atkinsglobalna.webex.com/mw0401l/mywebex/default.do?siteurl=atkinsglobalna&service=7 and click the “Upcoming” tab. Below are the courses offered in November:

November 6, 1:00 pm Eastern – Floodplain Development Permit Review

This 90-minute session will highlight eight basic steps to reviewing development inside the Special Flood Hazard Area (SFHA). This is beginner training, recommended for those new to the role of floodplain administrator. 1 CEC for ASFPM Certified Floodplain Managers.

November 7, 1:00 pm Eastern – Inspecting Floodplain Development

This beginner two-hour session will highlight special considerations for plan reviewers and building inspectors when evaluating and inspecting development inside the Special Flood Hazard Area, including basic concepts and terminology, minimum construction standards (from the IBC/IRC), and conducting inspections. 2 CECs for ASFPM Certified Floodplain Managers.

November 20, 1:00 pm Eastern – Determining 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.

November 20, 3:00 pm Eastern – Substantial Damage Estimation

After a large-scale hazard event, structures must be evaluated for substantial damage. When a structure is deemed substantially damaged, specific flood hazard reduction regulations become effective. This one-hour session will walk the attendee through the basics of Substantial Damage Estimation, including downloading and installing the program and gathering and inputting data to assist with the substantial damage estimation process for larger scale events. 1 CEC for CFMs.

November 21, 12:00 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.

In addition, here is a summary of courses currently scheduled in December. Additional courses may be added, so check https://atkinsglobalna.webex.com/mw0401l/mywebex/default.do?siteurl=atkinsglobalna&service=7 for the current list:

Dec 4, 2013, 12:00 PM Eastern- Floodplain Development Permit Review Dec 5, 2013, 1:00 PM Eastern - Inspecting Floodplain Development

Please let me know if you have any questions.

Thank you!

Alex

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

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.

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.

Washington County - New Flood Map Effective March 2013

If your home or structure is in or near a flood hazard area, it is at risk of damage from flooding.  The most up to date maps of  inundation risk in Washington County can now be viewed on the Vermont Natural Resource Atlas.

In Washington County, the extent of the mapped flood hazard area has changed in some locations, and some areas have been newly identified as exposed to flooding.  A structure that has been identified as being in a Special Flood Hazard Area (Zone A, AE, or AO) for the first time may benefit by buying flood insurance now before the map change on March 19, 2013.   Flood insurance may currently be available as a low cost Preferred Risk Policy and later increase to full actuarial cost (please see the blog post “Washington County – Home Identified as in Flood Hazard Area for the First Time?).

Federal law requires lenders to be sure that mortgages on structures in the flood hazard area are insured for their known flood risk.  Currently an average flood insurance policy in a flood hazard area in Vermont has a premium of around $1,400 per year for $170,000 in value. 

DFIRM Data

On the Vermont Natural Resources Atlas, the current Digital Flood Insurance Rate Map (DFIRM) data is posted for Chittenden, Rutland, Windham, and Windsor Counties as well as several municipalities (Hardwick, Jay, Montgomery, Stowe, and Wolcott).  The Atlas also has Preliminary DFIRM data for Bennington County (9/24/11) and Washington County (final as of 9/19/2012).

Current and Non-DFIRM Data

In most parts of Vermont the extent of the mapped flood hazard areas can be identified by going to the FEMA Map Service Center. The FEMA Map Service Center hosts current and historical Flood Insurance Rate Maps.  Most of the maps are not officially digital and are shown against white paper backgrounds. 

To make a “FIRMette” map from the FEMA Map Service Center follow these instructions. 

What Flood Zone is Your Home In?

If your structure is clearly in the flood hazard area on the new/upcoming Washington County DFIRM map – but is not currently in the mapped hazard zone – you may benefit from buying flood insurance now before the map change.    The Special Flood Hazard Area on the new DFIRM is labeled as Zone A, AE, or AO.   Areas shown as Zone X are not in the Special Flood Hazard Area (these areas may have unstudied and unmapped flood risks).

To confirm that your structure is currently out will require measuring the distance from a local landmark (such as an intersection you can find on the FIRMette) to the lowest and most exposed corner of the structure nearest the mapped flood hazard.  Plot this location on the FIRMette to find out whether any part of the structure is in the current mapped flood hazard area (expiring in March).

Flood insurance can be secured from the agent that handles your homeowners insurance.  

In Washington County, informational meetings regarding flood insurance are currently being scheduled.  Watch this space for updates.

For more information on the maps and map change contact VTDEC

                                                                                         

Vermont Natural Resource Atlas