BCC 01.15.25 (WS).pdf?t=202502031456480

1 TAYLOR COUNTY BOARD OF COUNTY COMMISSIONERS PERRY, FLORIDA MONDAY, JANUARY 15, 2025 6:00 P.M. 201 E. GREEN STREET TAYLOR COUNTY ADMINISTRATIVE COMPLEX OLD POST OFFICE THE CHAIR CALLED THE WORKSHOP MEETING TO ORDER AT 6:00 P.M. THE MEMBERS OF THE BOARD ATTENDED THE MEETING AS FOLLOWS: DISTRICT OFFICE NAME HOW ATTENDED PORTION ATTENDED 1 CHAIR JAMIE ENGLISH IN PERSON ALL 2 JIM MOODY IN PERSON ALL 3 V-CHAIR MICHAEL NEWMAN IN PERSON ALL 4 PAM FEAGLE IN PERSON ALL 5 THOMAS DEMPS IN PERSON ALL A FULL BOARD BEING PRESENT. COUNTY STAFF ATTENDED THE MEETING AS FOLLOWS: POSITION NAME HOW ATTENDED PORTION ATTENDED CO ADMINISTRATOR LAWANDA PEMBERTON IN PERSON ALL ASST CO ADMIN MARSHA DURDEN IN PERSON ALL COUNTY ATTORNEY CONRAD BISHOP IN PERSON ALL COUNTY ENGINEER KENNETH DUDLEY IN PERSON ALL EM. DIRECTOR DANNY GLOVER IN PERSON ALL 2 COUNTY CONSTITUTIONAL OFFICERS ATTENDED THE MEETING AS FOLLOWS: POSITION NAME HOW ATTENDED PORTION ATTENDED CLERK OF COURT GARY KNOWLES ABSENT ABSENT DEPUTY CLERK SALINA GRUBBS IN PERSON ALL COMMISSIONER DEMPS LED THE BOARD IN PRAYER, FOLLOWED BY THE PLEDGE OF ALLEGIANCE TO THE FLAG. BUSINESS WAS TRANSACTED AS FOLLOWS: THE CHAIRMAN READ INSTRUCTIONS FOR CONFERENCE CALL-IN LINE. 3. REPRESENTATIVES FROM THE FEDERAL EMERGENCY MANAGEMENT AGENCY (FEMA) TO DISCUSS THE NATIONAL FLOOD INSURANCE PROGRAM (NFIP). DISCUSSION: TAMMY HANSON, FEMA REPRESENTATIVE PRESENTED THE BOARD WITH A SLIDESHOW PRESENTATION OF THE NATIONAL FLOOD INSURANCE PROGRAM (NFIP). COMMISSIONER FEAGLE-WE ARE STILL GETTING SEVERAL COMPLAINTS FROM THE COMMUNITY. ELECTRICAL PANAL REQUIRMENT IS 17 FT IN THE AIR, BUT IF WE DON’T COMPY THEN THERE IS A LOT THAT CAN HAPPEN. TAMMY HANSON, FEMA REPRESENTATIVE-THERE ARE STATE, FEDERAL AND LOCAL REGULATIONS, NEED TO LOOK AT WHERE THE REGULATIONS ARE COMING FROM. COMMISSIONER FEAGLE-ALSO GETTING COMPLAINTS ABOUT ALL THE RED TAPE GOING THROUGH THE SBA LOAN. COME GOT APPROVED BUT HAVEN’T RECEIVED MONEY. PAYMENT WON’T BE ENOUGH TO COVER THEIR HOME. 3 TAMMY HANSON, FEMA REPRESENTATIVE-CONTACT SBA, AS IT’S A SEPARATE INTITY. DISASTER ASSITANCE IS FOR IMMEDIATE RELIEF. INDIVIDUAL ASSISTANCE IS NOT TO MAKE WHOLE. MAY NEED TO BACK TO THEIR ADJUSTOR. CHAIR ENGLISH- WHAT IS THE LOGIC OF ELEVATING THE ELECTRICAL PANEL 17 FEET? SPYRIDON AIBEJERIS-THE REGULATIONS NEED TO CHANGE. WHY ARE SOME ALLOWED TO GET PERMITTS AND OTHERS NOT? IT’S NOT RIGHT. WE NEED TO GET BACK INTO BUSINESS. WHEN WE ARE IN BUSINESS, THE COUNTY MAKES MONEY. TAMMY HANSON, FEMA REPRESENTATIVE-THAT IS FROM THE BUILDING CODE, THE STATES BASE FLOOD ELEVATION LEVEL PLUS 1 FOOT. LINDA VAUSE, STATE REPRESENTATIVE- WILL SET A MEETING UP WITHIN THE NEXT WEEK TO HELP PROVIDE THE RESOURCE TO HELP TO ANSWER QUESTIONS WITH ELECTRICAL PANELS. COMMISSIONER FEAGLE SUGGEST GETTING COUNTY ASSOCIATION GROUP TO ALSO ATTEND TO HELP GET THE BUILDING CODE CHANGED. ATTACHMENT: SLIDE PRESENTATION THE HOUR BEING APPROXIMATELY 8:16, AND THERE BEING NO FURTHER BUSINESS, THE • WORKSHOP WAS ADJOURNED . ATTEST: .C. for GARY KNOWLES, Clerk BOARD OF COUNTY COMMISSIONERS TAYLOR COUNTY, FLORIDA 4 Floodplain Management for Local Elected Officials and Executives Participant Manual Date Released: December 2023 Floodpla in Management for Local Elected Officials and Executives December 2023 This page is intentionally left blank. Participant Manual SM-ii Floodpla in Ma nagement for Local Elected Offic ia ls and Executives December 2023 Contents Floodplain Management for Local Elected Officials and Executives ..........................................0 Contents ..................................................................................................................... .. ...................... 3 Topic 1: lntroduction ........................................................................................................................... 6 Visual 1: Fl oodplain Management for Local Elect ed Off icia ls a nd Executives ............ ... ... ... .............. . .. .. .. .7 Visua l 2: Topic 1 - Introduction ... .. .... ..... .... .. .. ... ....... ..... .... .... ..... .. ... .. ..... .. ... .... . ..... .. ..... ... ..... . .. ..... ... .. .. .. .. ... 8 Visu al 3: Welcome a nd Introduct i on ... ..... .. ... ........... .............. .... ........ ... ..... ..... ........ ....... ...... .. .. .. .... ... .......... 9 Vi sual 4: The Valu e of Floodplai n Management ........... ... ... ... ... .... ... .. ...... .. .... ........... ... ......... ..... ..... ..... ..... 10 Vi sual 5: Video Sum mary: Floo dvill e vs . Oakdal e .. .... ... ... .. .... ........ ....... .... ...... ...... .... .. ... .... .... .... ....... ..... ... 13 Visual 6: Pre s en tat ion Goal an d Objectives ......... .. ....... ... ... ... .... .... . .. ... .. ...... ........ .. ........ .. .. ........ .. ........ .. ... 14 Topic 2: NFIP Overview .................................................................................................................... 15 Visual 1: Topic 2 - NFI P Overview .. . .. .... .. .... .. ......... .. ... ... .. ... ...... ....... ... ... .. .. ... ....... ..... ... .... .... ....... ... ........ ... 16 Vis ual 2: Topic 2 Obj ective .. . .. .. ........ ... .... .. . .... ... ... ........ ... ...... ...... .. ...... ..... .... ... ..... .... .... .... ... .. ... .... ..... . .. ...... 17 Vi sual 3: What's My Commu nity' s Fl ood Risk? ............. ... ... ... .... ................. ..... .. ..... ...... .. ......... ................. 18 Vi s ua l 4: Im pa cts of Flood i ng and Floodpla in Mismanagement .. ... ... .... .... .... .... .. ...... .... .. ... ..... ... ... ....... ... 19 Vi sual 5: Purpose of the National Fl ood Insuran ce Program ( NFIP ) ... ... ..... .. ..... .... .. .................... .. ... .. ..... 21 Vis ua l 6: Why Flood Insurance Is Important .. .. ..... .... ....... .... .. .... .. ...... ..... ... ............ . .. ..... ...... .... . ... ......... .... 22 Vi sual 7: Benefits of NFIP Participati on .... ... .... .. .. ... .... .. ... ...... ........ ... ....... .... .. .................... .. .... .. .... ... .... .... 23 Vi sual 8 : Three- Le gged Stool ... ............ ..... ............... ........ .. ... . .... ........ ... .. .... .. ..... ..... ....... .. ..... .. .... . .. .. ..... .... . 24 Visual 9: Fede ral Responsibilities in the N FIP - FE MA ..... ..... ...... ... . .. ... ... .... ...... .. .... .. ........ ...... .. .... ...... .... 25 Vi sua l 10 : State Responsibilities in t he N FI P............ ... ....... ...... ....... ...... .... .... .... .... ..... . .. .... ... ..... . ..... ... ........ 26 Vi sual 11: Loc al Community Responsibil ities in t he NFIP ... .... .... ... .. .. ......... .. .... ...... .... .......... .. ... .... .... ...... .. 27 Vi sual 12: Conse quences of N FIP Non -compl ia nce ... ................ ..... .... .... ...... .... ... ............... ... ......... ..... .... .. . 28 Vis ua l 13 : Activit y: What Is the Pur pose of the NFIP? ... .... ... .......... .. .... .... ........ ...... .............. ........ ... ....... ... . 29 Visual 14 : Topic Su mmary ... .. .... ... ..... ......... ... .. ....... .... ... .... ... .... .... ..... ......... .... .. ... .......... ........ ...... .. .. ...... ... .... 30 Topic 3: Resources .......................................................................................................................... 31 Vi sual 1: To pi c 3 - Resources ... ..... . .. ... . .. . .... .. .. .. ...... ........ ..... .. .. ....... ........ ..... ...... .............. .. ... .... .... .. .... ..... 32 Visu al 2: To pi c 3 Objecti ve .... ..... .. ... . .. ... .. .......... .... ....... .. .... ... ............ ............. ..... ... ...... .. .... .... ..... ...... ......... 33 Vis ua l 3: Responsibilities of t he Floodplain Administrator ( FPA ) ... .... ...... .. ..... ..... ... ... ........ .. .... ... ............. 34 Vi sual 4: Responsibil ities of the FPA (cont. ) .. ...... .. .... .... ..... ... ... .. ... ..... .... ... .................... ... ..... .. ...... .. ..... .. .. 35 Visual 5: What Support Doe s Yo ur FP A Need? ........ .... ... ..... ... ........ .. ................ ...... ... ................ ... ...... ...... 36 Vi sual 6 : Benefits of Supporting Your FPA .... ..... .......... ..... .............. ................. ...... .... .... ............ .. ... ... .. ..... 3 7 Visu al 7: Benef its of Supporti ng Your FPA (cont. ) .. ... .. .......... ......... ... ... .... ... ..... ...................... ... ................ 38 Visual 8 : Consequences of Not Supporti ng Your FP A ... .. ........ ... ..... ..... ............ ..... ....... .. ... .. ... .... ..... .... ... .. 39 Visual 9: Con sequences of Not Supporti ng Yo ur FP A (cont. ) ..... .. .. .. .... .. .... .. ..... .. ... .... .. .............. ... .... .. .... .4 0 Vi sual 10: Na t ional NFIP Clai ms .. ....... ... ....... .. .. ... .. .... .. .... ... .... .. .... .... ... ... ......... ..... ......... ......... .. . ... ........ .... ... 41 Vi sua l 11: Activity - Allocati ng Resources ... ... .... .... .. .. .. .... ... ... ... ..... ........ ..... .. .... .... ..... .. .. ......... .... .... ........ ... 4 2 Visua l 12: Topic Summary ... ...... ...... .. ... .. .... .... .. .. ..... .. ... ................. ... ... ...... .... ...... ... ... ... .... .... ... .... ... ..... .... .... . 43 Topic 4: Enforcement ...................................................................................................................... 44 Vi sual 1: Topic 4 - Enforcement ... .. ..... ...... ... ....... .. .... ... ...... .. ...... .. .... ......... ... ..... ................. ... ....... ........ .. .. 45 Visual 2: Topic 4 Objective .. ....... ...... . ... .... .... ... .............. ...... ... ... .... ... ... .. ... ............. ...... ..... .... . .. ..... ..... ..... .. .. 46 Visual 3: The Val ue of Well En forced NFI P Management Stan dards .... ..... .... .. ... .. ... .... ..... ... ... .. .. ....... .. ... 4 7 Vi sual 4: Benefit s of Flood pl ain Manageme nt ............... ..... ...... .. ... ....... ..... . .. .. .. ..... .. .... .. ... ......... .. ... ... ....... 48 Visual 5: Flood Da ma ge Pre ve ntion Ordina nces ..... ...... ... ... .... .. ...... . .. ...... ..... ............ ...... ... .. ... .. ...... .. .. ... .. 49 Vis ual 6: Floodplain Admini st rator Coordination Responsibilit ies ... ..... ...... . .. ... ............ .. ......... .. .... ... ... .... 50 Visua l 7: Role of Building Cod es in Floodplain Manageme nt .... ..... ..... ... .... ..... .. .... .. . .. .... .. .... ......... .......... 51 Top ic 1: Introduction SM -iii Floodplain Managemen t for Local Ele cte d Off icials and Execut ive s Dec ember 2023 Visual 8: Compliance Starts with Proper Per mitting .. ..... ................... ...... ... .... ... . .. .... ....................... .. .. ..... 52 Visual 9: Substantial Improvement Requirements ....................... ... ...... ...... .... ............. .... ........................ 53 Visual 10: Substantial Damage Requ irements ............................................................ ..... ....... .... ............... 54 Visual 11: Complian ce and Oversight ... .... .... ... .. ..... ....... .... ........... .... ...................................... .... ........ ... ...... 55 Visual 12: Compliance and Grant Funding Eligibility ..... ........................... .... .................................... .. ...... .. 56 Visual 13 : Activity - Enforcement Discussion ............................................................................... .... ......... 57 Visual 14: Topic Su mmary ... ...... ................. ............. .... ...... .. ........ ... ...... ........ ... .... .. ..... .. ... .............. .. ............. 58 Topic 5: Community Rating System (CRS) Overview ....................................................................... 59 Visual 1: Topic 5 - Co mm unity Rat in g System (CRS ) Overview ........ ... ................ ...... .... ...... ........ .... ..... .. 60 Visual 2: Topic 5 Objectives ... ... .. ... ........ .... .... ....................................................... ... .... ....................... ... .... 61 Visua l 3: CRS Program and Commun ity Flood Insurance Discounts ..... .... .................. .. ...................... .... 62 Visual 4: CRS Classes and How They Lead to Discounts ......................................................................... 63 Visual 5: Earn Discounts Through Activities ............... .... ........... .. ...... .................................. ...................... 64 Visual 6: Earn Discounts Through Activit ies (cont .) ........................... .... ................................................... 65 Visual 7: Steps to Join the Commun ity Rating System (CRS ) ..................... .... ............... ... ....................... 66 Visual 8: Maintaining CRS Participation ... ... ...................... .............. ... .... ................................................... 67 Visual 9 : Other Programs Similar to CRS .. .. ...................... ............ .... .................. .. ................... .. ............... 68 Visual 10: CRS Particip at ion .... ... .............. ... .... .... ..... ...... ...... ........................................................... .... .. ...... 69 Visual 11: Benefits of Higher Standards ... .... .. .............................................................................. .... ...... .... 70 Visual 12: Com mon Hi gh er Standards ..... .................................................... :................ ...... .. ...................... 71 Visual 13: Recommended Higher Standards for Substantial Improvemen t/ Substanti al Damage ......... 72 Visual 14: Investing in Your Community ...... .. ....... ..... ............................. ....... .. .. .. ........................... .... ......... 73 Visu al 15 : Resources ... ... ......... .... ................................... .. ..................... ..... ... ... ............................................ 74 Visual 16 : Activity - CRS and Higher Standards Discussion ............ ........ .. ............................................... 75 Visual 17: Top ic Summary .......... .. .... .... ...... ........ .... ...................................................................................... 76 Topic 6: Summary............................................................................................................................ 77 Visual 1: To pic 6 - Summary .. ...................................................................... ..... .... ................... .... .. ... .. ...... 78 Visual 2: Benefits of NFIP Participation .................... .......... ... ....... ... ............ .. ..... ....... .. ...... ........ .. .. .. ......... 79 Visual 3 : Benefits of Floodplain Management.. ..... ......................... .. ..... .... ...... .. .......................... ... .... ...... 80 Visual 4: Benefits of Supporti ng You r Flo odplain Administrator .............................................................. 81 Visual 5: Benefits of Higher Standards .. ......... ............. ...................... ... ...... ....... .... ............................... .... 82 Visual 6: Resourc es for the National Flood Insurance Program .. ..... .. ..................................................... 83 Visual 7: Activi ty- Summary Dis cussion ........................ .. ................. .. .......... ..... ...... ................................ 85 Visual 8: Quest io ns? .. .. .... .. ..... .. ..... ............ ..................... ..... ...... ...... ....... ... ........ .... ... .. ............... .. .... .. ... .. .... 86 Handouts ......................................................................................................................................... 87 Activity 2.1: What Is the Purpose of the NFIP? ..................... ................................. .. ......................... .. ............. 88 Activity 3 .1: All ocating Resources ... ................................... .... ................. .. .............. ........ ...... ...... .. ................ ... 89 Activity 4.1: Enforcement Discussion .... ............. .. ... ........................................................................................ 90 Activity 5.1: CRS and Higher Standards Discussion ....................................................................................... 91 Activity 6.1: Summary Discussion ... .... .. ............................. ........................... ..... .. ..... ...... ...... ........................... 92 Reference Materials .. ...................................................................................................................... 93 Pub lications .................... .... ........ .... .............................................. ................................................................. .... 94 Online Resource Sites ............................................................................................................................. ... ...... 94 Multimedia ........ .. ..... ............... ............. ................... ... ........................... .. ......... .. ..... ..... ............................ .. ....... 95 Topic 1: Introduct ion SM -iv Floodplain Ma nagement for Local Elected Officials and Executives December 2023 This page is intentionally left blank. Top ic 1: In troduction SM-v Floodpla in Management for Local Elected Officials and Execut iv es December 2023 Topic 1: Introduction Topic 1: Introduction SM -6 Floodplain Management for Local Elected Officials and Executives Visual 1: Floodplain Management for Local Elected Officials and Executives Floodplain Management for Local Elected Officials and Executives Topic 1: Introduction December 2023 SM-7 Floodplain Management for Local Elected Officials and Executives December 2023 Visual 2: Topic 1- Introduction Topic 1: Introduction SM-8 Fl oodplain Ma nagement for Lo cal Elected Offic ials and Execut iv es December 202 3 Visual 3: Welcome and Introduction Topic 1: Introduction You r NFIP communities can improve their programs and increase financ ial benefits and public safety by: • Increasing investment in the NFIP , • Adopting higher standards and/ or join in g the CRS program, and • Gaining publ ic support for proactive floodplain management practices. SM-9 Flo odp la in Manageme nt for Lo cal Elected Officials and Executives De cember 2023 Visual 4: The Value of Floodplain Management Ill Quick Facts: ■ Structures bui lt to community-adopted NFIP regulations sustain about 80 % less damage than those built before standards were adopted. ■ For every $1 invested in mitigation, about $6 is saved in future disaster losses. • Communities join the CRS to save their residents money on their flood insurance policies . More than 70 % of NFIP policyholders are in CRS communities. CRS communities get appro xi mately $355 million in discounts annually. Video Transcript Higher Standards: The Value of Floodplain Management Flooding is the most common and costly natural disaster causing millions of dollars of damage each year in the U.S. Between 1980 and 2013; flooding caused 260 billion dollars in damage. Flooding has occurred in every state. In 20 16 alone, 36 of 46 presidentially declared disasters involved floods or hurricanes, including four inland flooding events each exceeding 1 billion dollars in losses. Whether your community is located on the coast or further inland it's not a matter of if flooding will happen, but when it will happe n. It's hard to stop a flood but through sound floodplain management, communities can reduce losses, protect valuab le economic and natural resources, and more importantly save lives. Through floodplain management, you and your community can take actions to reduce the physical and financial impacts of future flooding. Topic 1: Introduction SM-10 Flo odplain Management fo r Local El ected Officials and Executives December 2023 These actions include encouraging higher building standards, protecting open spaces, and promoting flood insurance. Many communities adopt and enforce even higher standards which reduce damage from f uture floods an d allow for quicker recovery. Communities that join the National Flood Insurance Program or NFIP, agree to adopt and enforce floodplain management regu lations. In return, they have access to federally-backed flood insurance and flood-related disaster assistance and grants. So , what happens to a community that doesn 't practice floodplain management? Let's take a look. Floodville and Oakdale are neighboring towns. They each experienced heavy rainfall resulting in extensive flooding. Floodville did not join the NFIP and did not adopt the required minimum standards to reduce their communities' flood risk. Due to the lack of floodplain management requirements, Floodvi ll e's recovery costs were 40 % more than Oakdale's costs, not to mention the financial impact on Floodville and its businesses as it took so much longer to recover. Floodville's water treatment plant was damaged, while Oakdale's plant built on higher ground was up and running the day after floodwaters receded. In addition, it was more difficult for Floodville's emergency services to respond, which put more lives at risk. Over the past 50 years, the NFIP has learned that buildings constructed after communities enforcing floodplain management regulations sustained about 80 percent less damage than those built before. Research shows that for every dollar spent on mitigation, about six dollars are saved in future avoided losses. In short, communities like Oakdale or more resi lient and recover more quickly; they save money, reduce further damage, get famil ies back in their homes sooner, and lessen business and education eruption in their communities by practicing sound flo od plain management. Here are a few simple steps to get started on floodplain management in your community. Cloe. know your flood risks. Are their homes or businesses that get flooded over and over, levies built before there were Chevy 's, aging infrastructu re? Once you know your risks, you can begin to address them . T.:!:'.,2 , join the NFIP, not yet participating? Joining the NFIP means your residents and business owners can get federally-backed flood insurance. Your community becomes eligible for federal grants to help you reduce your comm unity's flood risk when you adopt and enforce floodplain management regulations. And when that flood does hit, you and your citizens would be eligible for disaster assistance. T~ , build higher and safer. Already an NFIP participating community? Great, be sure to maintain the standards and continue to adopt higher standards and mitigation strategies. The NFIP standards are minimum standards. Making building requirements higher than NFIP standards can resu lt in lower flood risk and lower flood insurance costs as well. ~ . plan for future conditions and development. Conditions are changing on the coast and inland, whether it is weather patterns, population growth, or other factors. What your community is like today may be different than what it will be like in 10 to 20 years. Start planning for that change now. And lastly, join the NFIP community rating system program, CRS. Communities that go beyond the NFIP minimum standards can receive recognition from the CRS program, which translates into discounts of up to forty-five percent for policyholders. More than 70 percent of NFIP policyholders today are in CRS communities receiving approximately three hundred and fifty-five million in discounts. Topic 1: Introduction SM -11 Floodplain Management for Local Elected Officials and Executives December 2023 This may seem like a lot of work, but even the smallest change makes a big difference. You don't have to do it all ; it doesn 't have to be done all at once. Remember, every dollar spent on mitigation is an investment to avoid future losses and saves money. More importantly, sound floodplain management can make a difference in people's lives today and in the future. Topic 1: Introduction SM - 12 Fl oo dpla in Management fo r Lo cal Elected Officials and Executives Dece mber 2023 Visual 5: Video Summary: Floodville vs. Oakdale Floodville (not in NFIP): Oakdale (in NFIP and has higher standards): • Recovery costs 40 % higher than NFIP- participating communities • Longer recovery time • Critical facilities damaged and in need of repair Topic 1: In troduction • Access to flood insurance • Access to flood-related disaster assistance • Access to flood-related grants • Critical facil ities elevated , remined functional during and after the flood SM-13 Floodpla in Ma na geme nt fo r Loc al Elected Officia ls and Execu tives December 2023 Visual 6: Presentation Goal and Objectives The purpose of this presentation is to help local officials understand the value of floodplain management in their communities and encourage them to improve their commun ities' NFIP partici pa t ion. ■ Presentation Objectives: o Describe how elected local officials and floodplain managers can support local communities t hrough the NFIP o Identify the impacts that a community's budget choices have on response and recovery to future disasters o Describe the importance of enforcing floodplain management ordinances o Know the benefits of NFIP's higher standards and the Community Rating System (CRS ) Online You are encouraged to explore the following site regarding key information needed to fulfill floodplain management responsibilities as local elected officials: ■ Elected Officials' Flood Guide - ASFPM Flood Science Center Resource (https://floodsciencecenter.org/products/elected-officials-flood -risk-guide/) Top ic 1: Introduct ion SM -14 Floodpla in Managem ent for Local Elected Officials and Execu tives December 2023 Topic 2: NFIP Overview Topic 2: NFIP Overvi ew SM - 15 Floodplain Management for Local Elected Officials and Executives December 2023 Visual 1: Topic 2 - NFIP Overview Topic 2: NFIP Overview SM - 16 Flo odp lain Managem en t for Local Elected Officials and Executives December 2023 Visual 2: Topic 2 Objective • Describe how elected local officials and Floodplain Administrators can support local communities through the NFIP This topic will introduce you to the: ■ The purpose of the program , ~ ■ Elements that make the NFIP effective and responsibility of the government to invest in the NFIP, ■ The benefits of the NFIP , and ■ How the NFIP and your Floodplain Administrator can best support your community. S, You are encouraged to explore the following site regard ing key information needed to fulfill floodplain management respons ibilities as local elected officials: Online ■ Elected Officials' Flood Guide - ASFPM Flood Science Center Resource (https:/ /flood sciencecenter .o rg/ products/ elected-officia ls-flood-risk-guide/) Topic 2: NFIP Overview SM-17 Floodpla in Ma nagement for Local El ected Officials and Executi ve s De cember 2023 Visual 3: What's My Community's Flood Risk? ■ Risks vary by community. ■ An yw here it can rain , it can flood. • Floods are the leading cause of natural disaster losses in the US. ■ 99 % of US counties experienced flooding between 1996-2019. Key Points: Floods can happen anywhere. To anyone. At any time. 0 '"'' ~~ ! " There is always a risk of flooding, even if the community has not flooded recently. The NFIP has floodplain mapping information to help communities understand their flood risk. ■ Flood risk varies from community to community. ■ Flood risk is everywhere. Anywhere it can rain , it can flood. ■ Floods are the lead ing cause of natural disaster losses in the United States. In the past 20+ years, 99 % of all US counties have experienced flooding. It's your responsibility as local elected officia l to promote your community's public health, safet y, and general welfare. A strong floodplain management program is part of that responsibil ity. Topi c 2: NFIP Overview SM - 18 Floodplain Management for Local Elected Officials and Executives Visual 4: Impacts of Flooding and Floodplain Mismanagement • Liability for not applying or enforcing floodp lain regulatio ns • Disruptions to public health, safety, and welfare • Economic impacts • Damage to critica l services and facilities (h ospitals, police, fi re, etc .) Topic 2: NFIP Overview December 2023 SM-19 Floodpla in Management for Local Elected Officials and Executives De cember 2023 Online Resource Key Points There are several impacts to public health, safety, and welfare According to the National Weather Service, flooding deaths outnumber all thunderstorm-related deaths. First responders are at risk during rescue operations. Your community ma y be liable for flood damages if you don't regulate and enforce the floodpla in regulations in known flood risk areas. Explain: Other impacts include ecological, social, and economic: ■ Floods affect businesses too. Economic impacts can be long-l asting after a flood . According to floodsmart.gov, "at least 40 % of businesses never reopen following a disaster. Commercial property insurance does not generally cover flood damage. Only flood insurance does." ■ Uninsured structures that have been repeatedly damaged by floods and are not insured may not be repaired. When that happens, owners of those properties no longer pa y taxes , limiting how much money can be used to pay for disaster recovery. There may also be less available housing. ■ Floods decrease employment in communities by an average of 3.4%. Floods also often result in lower average municipal bond ratings. You are encouraged to examine the following additional information: ■ American Institutes for Research Study - Costs and Consequences of Flooding and the Impact of the National Flood Insurance Program (https://www.fema.gov/sites/defau1Vfi1es/2020-07/fema_nfip_eval-costs- and-consequences.pdf) Topic 2: NFIP Overview SM - 20 Flo odplai n Management for Local El ected Officials and Execu tives December 2023 Visual 5: Purpose of the National Flood Insurance Program (NFIP) ■ August 1, 1968 ■ Reduce flood risk and damages ■ Provide access to flood insurance • Reduce expenditures on Federal Disaste r Assistance Key Points: _. NATIONAL FLOOD INSURANCE PROGRAM ■ The NFIP is a longstanding and effective program created to help protect communities and individuals from the impacts of flooding. The NFIP: o Reduces flood risk for communities, o Provides access to flood insurance to property owners, and o Reduces spending on Federal Disaster Assistance. ■ There are more than 22 ,000 NFIP-participating communities. Topic 2: NFIP Overview SM-21 Floodplain Manageme nt for Local Elected Officials and Executi ve s De cember 2023 Visual 6: Why Flood Insurance Is Important I• Disaster assistance rarely covers everything, creating debt. Flood Insurance: • Average claim payment: $75,000 • Claims paid for all flooding in all flood zones • No payback required • Policies not canceled for repeat losses • Coverage available for buildings and contents Topic 2: NFIP Overview Disaster Assistance: • Average payout: $4,000 • Requires Presidential disaster declaration • Disaster loans must be repaid with interest • Individual disaster assistance may only be accessible if many structures are significantly damaged. SM -22 Floodplain Ma nagement for Local Elected Officials and Executives Visual 7: Benefits of NFIP Participation • NFIP Flood Insurance • Safer, damage-resistant development • Grants and loans • Faster recovery with more financ ial support • Structures built to community-adopted NFIP regulations sustain about 80 % less damage. Topic 2: NFIP Overview December 2023 SM-23 Floodplain Management for Local Elected Officials and Executi ve s December 2023 Visual 8: Three-Legged Stool National Flood Insurance Program (NFIP): • Hazard Identification: Know the Risk • Mitigation: Manage the Risk • Flood Insurance: Insure the Risk RI Key Points: MANAGE th e Risk The NFIP has three core elements that support one another. You can only have strong floodplain management with all three legs. Communities play a role in each leg. • Hazard Identification: Know the Flood Risk: The first leg of the stool is knowing your flood risk by identifying the hazards to people and infrastructure in your community. If you don't know your risk, you can't properly mitigate it. • Mitigation: Manage the Risk: The second leg is managing your community's flood risks through mitigation actions, including consistently enforcing floodplain management regulations. If you don't mitigate, damages will be greater, and insurance may not cover all your losses. • Flood Insurance: Insure the risk: The third leg is insuring the risk through flood insurance. Federally backed flood insurance is available to communities that participate in the NFIP. But insurance only covers financial losses; it doesn 't change your risk. If you don't insure, you aren 't financially protected from flood damages. Top ic 2: NFIP Overview SM-24 Floodpla in Ma nagement for Local Elected Officials and Executives December 2023 Visual 9: Federal Responsibilities in the NFIP - FEMA ■ Flood hazard maps and products ■ Mitigation planning and technica l assistance ■ Minimum floodplain development standards ■ Fede ral fl oo d ins uran ce ■ Federa l disaster an d mitigati on f un ding ■ Monitor community NFIP compliance Topic 2: NFIP Overview SM -25 Floodplain Management for Loca l Elected Officials and Executives Visual 10: State Responsibilities in the NFIP ■ Support NFIP communities ■ Provide enabling land use authority ■ Set higher standards ■ Provide technical assistance ■ Manage their own mapping p ro gram through a cooperative agreement with FEMA (optional) ■ Support FEMA in monitoring community NFIP compliance Topic 2: NFI P Overview QUICK GUIDE December 2023 SM-26 Floodplain Management for Loca l Elected Officia ls and Exec ut ives December 2023 Visual 11: Local Commun ity Responsibilities in the NFIP • Adopt local floodplain management ordinances that meet or exceed State laws and NFIP minimum floodplain development standards • Appoint a Floodplain Administrator and ensure they receive training/resources • Enforce local floodplain management ord in ances consistently • Complete Substantial Damage assessments and determinations • Promote proactive f loodplain management • Evaluate and mitigate flood risk: o Adopt higher standards o Wo rk with FE MA to ensure accurate, updated flood hazard information Topic 2: NFIP Overview SM - 27 Floodplain Management for Local Elected Officials and Executives De cember 2023 Visual 12 : Consequences of NFIP Non-compliance Sanctions if on probation: ■ Higher flood insurance costs Sanctions if suspended (not participating): ■ No Federal flood insurance ■ Lack of certain types of Federa l funding ■ Lack of certain types of disaster aid ■ Increased risk of flood damage RI Ke y Points : There are conseq uences for not participating in the NFIP. Commun ities can also be placed on probation or suspended for not enforcing their regulations. ■ Commun ity on probation: All policyholders receive a $50 surcharge on their policies. ■ Community suspended: No one in the community is eligible for Federal flood insurance. Private flood insurance options may be available. ■ Community Ra ting System (CRS) program communities placed on probation and suspension may be removed from the program. Residents will lose their CRS flood insurance premium discounts. ■ Certain federally backed loans for structures require a flood insurance policy. ■ ■ Getting pr iv ate flood insurance ma y be more difficult if the community is not in the NFIP. Not being eligible for federally backed loans is harmful for communities that need housing development to support population growth. Not participating in the NF IP makes certain disaster aid unavailable. If you don 't enforce strong floodplain management standards, your commun ity risk of flood damage may increase. Topic 2: NFIP Overview SM -28 Floodplain Management for Local Elected Officials and Execu tives December 2023 Visual 13: Activity: What Is the Purpose of the NFIP? ■ What a re your priorities as a loc al official? ■ Ho w does t he NFIP benefit your comm un ity? ■ Ho w do yo ur priorities ove rlap with t he pu rpose of t he NFIP ? Topic 2: NF IP Overview SM-29 Floodplain Ma nagement for Local Elected Officials and Executives Visual 14: Topic Summary • NFIP helps pro t ect communities and individuals from the impacts of flooding. • Local, State, and Federa l governments must share roles and responsibilities to support the NFIP. ■ Benef its of the NFIP: o NFIP Flood Insurance o Safer, damage-resistant development o Increased community resilience o Access to grants and loans Topic 2: NFIP Overview MANAGE the Risk December 2023 SM -30 Floodplain Management for Local Elected Officials and Executives December 2023 Topic 3: Resources Topic 3: Resources SM-31 Floodplain Management for Local Elected Officials and Executives December 2023 Visual 1: Topic 3 - Resources Top ic 3: Resou rces SM-32 Floodplain Ma nagement for Lo cal Elected Officials and Executives Visual 2: Topic 3 Objective • Identify the impacts that a community's budget choices have on response and recovery to future disasters. December 2023 Your Floodplain Administrator ( FPA) and their team support your community, so it is important to give them the resources and support they need. RI This topic will introduce you to the: • Responsibilities of the FPA , • Resources and support your FPA needs, • Benefits of giving proper resources to your FPA, and • Consequences if FPAs do not have the right resources . s You are encouraged to explore the following site regard in g key information needed to fulfill floodplain management responsibilities as local elected officials: Online • Elected Officials' Flood Guide - ASFPM Flood Science Center Resource ( https://floodsciencecenter .o rg/ products/ elected -o fficials-flood-risk-guide/) Topic 3: Resources SM -33 Floodplain Ma nageme nt for Local Elected Officials and Executives De cember 2023 Visual 3: Responsibilities of the Floodplain Administrator (FPA) Floodplain Administrators: ■ Review proposed and completed floodplain development for compliance with regulations ■ Review and issue or deny permits for floodplain development ■ Keep good records of floodplain development ■ Coordinate with community departments to make sure community projects comply with floodplain regulations Topic 3: Resources SM -34 Fl oodplain Ma nagement for Loca l Elected Offi ci als and Execu t ives December 2023 Visual 4: Responsibilities of the FPA (cont.) Floodplain Administrator s: • Help community members understand flood hazards, flood map data, flood insu rance, and floodplain construction standards ■ Make fair, consistent, and documentable decisions ■ Take enforcement actions when development is not compliant ■ Help FEMA prepare a nd re vise f lood maps • Complete Substantial Da mage Assessments • Work with the publ ic and partner agencies Topic 3: Resources SM-35 Floodplain Ma nagement for Local Elected Officials and Executives Visual 5: What Support Does Your FPA Need? • Routine in-person training • Membership and/or conference attendance • • Support to adequately enforce regulations Coordination with other community departments Where does your community's floodplain management program sit within your budget? Does your FPA have access to these resources? Topic 3: Resources December 2023 SM-36 Floodplain Ma nagement for Local Elected Off icia ls and Execu t ives Visual 6: Benefits of Supporting Your FPA Community benefits: ■ Protected from hazards and legal action ■ Less chance of NFIP probation or suspension Resident and economic benefits: ■ Enhanced public safety ■ Money saved on flood insurance policies ■ Stronger housing stock ■ Better recove ry after a disaster event Topic 3: Resources December 2 023 SM -37 Floodplain Management for Local Elected Officials and Executives De cember 202 3 Visual 7: Benefits of Supporting Your FPA (cont.) • Reduces risk of burnout • Increases staff retention • Helps ma in tain com munity participation in the NFIP • Reduces risk of legal liability Topic 3: Resources SM-38 Floodplain Ma nagement for Local Elected Officia ls and Executives December 2 023 Visual 8: Consequences of Not Supporting Your FPA ■ Lega l r is k • Increa sed number of violations, f lood damages, and losses ■ Staff turnover All of these can lead to co mmunity sanctions and threaten commu nity NFIP partici pation . Topic 3: Resources SM -39 Floodplain Management for Local Elected Officials and Executives Dece mber 2023 Vis ua l 9: (cont.) Consequences of Not Support ing Your FPA Sanctions if on probation: • Higher flood insurance costs Sanctions if suspended (not participating ): • No Federal flood insurance • Lack of certain types of Federal funding • Lack of certain types of disaster aid • Increased risk of flood damage Top ic 3 : Resources Key Poi nts : Not supporting your FPA could lead to your community being placed on probation or suspended from the NFIP . • If your commun ity is on probation , all policyholders receive a $50 surcharge on their policies. • If suspended , no one in the community is eligible for Federal flood insurance. Private flood insurance options may be available, but coverage varies. • Community Rating System (CRS) program communities that are on probation or suspended may be removed from the program. If this happens, residents will lose their CRS f lo od insurance premium discounts. • Obtaining a ·private flood insurance policy may be more difficult if the community is not in the NF I P. • Not participating in the NFIP also means certain types of Federal funding will not be available. • If strong floodplain management standards are not enforced, communities will have an increased risk of flood damage. SM -40 Floodplain Management for Local Elected Officia ls and Execu tives December 2023 Visual 10: National NFIP Claims RI Top-ic 3: Resources National NFIP Claims Claims Paid by NFIP 1980-2022 Number of Claims Paid $77,689,067,491.72 1,876,609 to Key Points: Remember, maintaining a good standing in the NFIP is beneficial to your community. Since 1980 , over 77 bill ion dollars in cla i ms have be en paid by the NFIP . The total number of claims paid over th is period is 1.8 million. SM -41 Floodplai n Manageme nt fo r Local El ected Officia ls and Execut iv es December 2023 Visual 11: Activity - Allocating Resources Topic 3: Re sources You are assigned the role of one of your constituents. ■ Why would they want your community to provide more resources to or enhance your floodplain management program? ■ What do they value? ■ What kind of resources would they request? ■ How might their needs change between regular days (with no active disasters) and the days after a disaster? SM-42 Floodplain Ma nagement for Local Elected Officials a nd Exec utives Dece mber 2023 Visual 12: Topic Summary • Providing your FPA and their team with resources allows them to support your community. • Supporting your FPA helps other commun ity staff , enhances publ ic safety, protects your community from hazards and legal actio n, and min im iz es the chance for NFIP probation or suspension. • Not supporting your FPA leads to legal risks, increased violations, NF IP suspensi on or probatio n, staff turnover, and increased costs for property owner s. Topic 3: Resources SM -43 Floodplain Management for Local Elected Floodplain Management for December 2023 Topic 4: Enforcement Topic 4: Enforcement SM -44 Flo odplain Manageme nt for Local Elected Floodp lain Management for December 2023 Visual 1: Topic 4 - Enforcement Top ic 4: Enforcement SM -45 Floodplain Manageme nt for Loc al Elected Officia ls an d Executives December 2023 Visual 2: Topic 4 Objective ■ Describe the importance of enforci ng floodplain management ordinances. RI This topic will introduce you to the NFIP regulations, building codes, and how enforcement reduces risk. ~ You are encouraged to explore the following site regard i ng key information needed to fulfill floodplain management responsibilities as local elected officials: Online ■ Elected Officia ls' Flood Guide - ASFPM Flood Science Center Resou rce (https:/ / floodsciencecenter.org/ products/ elected-officials-flood-risk-guide/) Topic 4: Enforcement SM-46 Fl oodp la in Ma nagement for Local Elected Officials and Executives December 2023 Visual 3: The Value of Well Enforced NFIP Management Standards THE VALUE OF NATIONAL FLOODPLAIN INSURANCE PROGRAM MANAGEMENT STANDARDS YET THE RISK IS STILL RISING RI 2017 - 2020 70 OF THE COSTS Tt-!IS DECADE Sl.iST.\INEO IN THE LAST 3 'YEARS 2020 --- :zo:IO 50 MORE Sl BILLION E\IENTS THIS DECADE lliA"i I~ JHE PRE\'IOLS DECADE Key Points: Structures built to meet or exceed NFIP standards experience 65 % less flood damage on average, saving the nation $2.4 billion in avoided flood losses each year. Flood risk is still on the rise. Seventy pe rcent of flo od costs over the past ten yea rs were paid between 2017 and 2020 . There we re also 50 % more $1 billion+ flood events than any previous decade. While NFIP minimum standa rds redu ce flood damage to structures, ri sks can change. Higher standa rds keep your res idents safe from flood ing now and in the future. Remember, stand ards are only helpful if they are activel y enforced . Topic 4: Enforcement SM-47 Floodplain Ma nagement for Local Elected Off ic ials and Executives December 2023 Visual 4: Benefits of Floodplain Management • Promot es economic growth • Increases community resilience • Improves water quality • Protects wildlife habitats • Maintains natural flood storage Key Points: Strong floodplain management programs benefit communities by: • Promoting economic stability and growth: o Resilient communities recover from floods more quickly, keeping businesses open and citizens working. They also maintain the value of their stocks, assets, power, and revenue. RI • • Topic 4: Enforcement o Additionally, landscapes that include natural floodplains provide diverse recreation and economic opportunities, attracting people to the area. Increasing community resilience: Families and their houses are safer from flooding now and far into the future. Preserving the natural landscape and its functions: o Prov ides habitat for plants and animals. o Supports plants that filter pollutants. o Maintains natural flood storage capacity. SM-48 Floodp la in Ma na gement for Local Elected Off icials and Execu tives December 202 3 Visual 5: Flood Damage Prevention Ordinances • Also called flood or floodplain ordinances or local floodplain regulations • Authority granted by State statutes • Adopted and enforced by local communities • May be part of zoning regulations, building codes, or land development regulations or a stand-alone ordinance • Help keep the community safe from flooding, protect public infrastructure, and reduce the cost of recovery ~ Key Points: • . . State legislation gives communities the authority to adopt floodp lain regulations. Regulations must be adopted and enforced by t he local commu nity. • Flood damage prevention ordinances can be found in land use authority regulations, building codes, or land development regulations. The y can also be stand-alone ordinances. Top ic 4: Enforcement SM -49 Floodpla in Ma nageme nt for Local Elec ted Officials and Execut ives December 2 023 Visual 6: Floodplain Administrator Coordination Responsibi lities ■ Multiple departments have f lo odpla in management duties. ■ Departments that are part of floodplain management: o Emergency Management o Code t:nforcement o Stormwater Management o Plann i ng and Engineering Topic 4: Enforcement SM-50 Fl oodplain Man agement for Local Elected Officia ls and Ex e cu tives Visual 7: Role of Building Codes in Floodplain Management • Bu ilding codes and the NF IP overlap. • Building codes keep people, buildings, and structu res safe. • Enforci ng bu ilding codes ma y not make you popular, but it might save lives. NAP Re,ulatoons (44 CFR Parts 59 & 60 ) '... Bu i ldu-C Code local Floodplain •Man1111ement Reeu l at1ons• OR Flood Resistant I BC Appendix G• .. Bu,khngs and Development De cember 2023 , ASCE 7 ASCE 24 • Strong codes protect the community from lawsuits * NAP•consistent administrative provisions, community.specific adoption of Flood Insurance Studies and maps. and technical requirements for development outside the scope of the bui ldi n& code (and higher standards , in some communities). Key Points: • The International Build ing Code ( IBC ) standards meet or exceed NFIP requ irements for all bu il di ngs and structures. So , bu il ding code officials also play a role in the NFIP . • Building codes make bu ildings and other structures safe. • While enforcing build i ng codes ma y not make you popu la r, it just might save lives. • Strong codes help protect the com mu nity from lawsuits: o Since liability is based on negligence, a community benefits from a we ll- appl i ed program. o Establish clear ord inance standards to l im it misinterpretation. Topic 4: Enforcement SM -51 Floodplain Ma nageme nt for Loca l Elected Officials and Executi ve s December 2023 Visual 8: Compliance Starts with Proper Permitting • Require permit applications for all proposed floodplain development: o New buildings, changes to existing structures, subdivisions, and non-structural work (e.g. , fill, grading, and site preparatio n) • Conduct inspections. • Act on code violations and non-compliant work. • Complete post-disaster assessments and permitting. Topic 4: Enforcement SM -52 Floodplain Management for Local Elected Officials and Executives December 2023 Visual 9: Substantial Improvement Requirements • An y reconstruction, rehabilitation, addition , or other improvement in a floodplain • Cost of improvement equal to or higher than 50% of market value • Substantial Improvement determ ination made by commun ity • Required by NFIP and International Building Codes • Meets flood ordinance requirements for new construction Topic 4 : Enforcement . SM -53 Floodplain Management for Local Elected Officials and Executives December 2023 Visual 10: Substantial Damage Requirements • Damage in the floodplain may be from any cause: fire, wind , earthquake, etc. • Substantial Damage determinations are made by the community. • If the repair cost is equal to or highe r t han 50% of market value, the work must meet the local flood ordinance and building code requirements f or ne w const ru ct ion. • Substantial Damage determinations are required by NFIP and by International Building Codes. Does your community do routine emergency preparedness exercises? Do you have a plan in place to make Substantial Damage Assessments? Topic 4: Enforcement SM -54 Floodpla in Ma nagement for Local El ected Officials and Exec utives December 2023 Visual 11: Compliance and Oversight ■ Local compliance responsibilities: o Enforcing local floodplain management requirements o Following up on violations o Ensuring required permits are obtained , including after disasters ■ FEMA/State responsibilities: o Training and technical assistance o Primary contact for community audits o Putting communities on probation or suspending them from the NFIP if local deficiencies are not corrected Topic 4 : Enforcement SM -55 , Floodplain Manageme nt for Local El ec ted Officia ls and Executives De cember 2023 Visual 12: Compliance and Grant Funding Eligibility • If not compliant or not participating in the NFIP , communities won 't have access to certain types of disaster aid. • Structures in high-risk flood zones would not be eligible for: o Repair and replacement mo ney for federally declared disasters o FEMA mitigation grants o Other Federal funding Topic 4: Enforcement SM-56 . Floodplain Ma nagement for Loca l Elected Officials and Executives December 2023 Visual 13: Activity - Enforcement Discussion Top ic 4: Enforcement • What authority does yo ur local Floodplain Administrator have? • Does your Floodpla in Administrator have the resources to implement an effective program? • What other roles does your Floodplain Administrator fill (h ow many hats do they wear)? • Does your city/county attorney support floodplain management? • What are your Floodplain Administrator's roles during the post-disaster recovery process? • Do you have a plan to make Substantial Damage Assessments after a disaster? SM -57 Floodplain Management for Lo cal Elected Offici als and Executives De cember 2023 Visual 14: Topic Summary ■ Sound floodplain management strategies can: o Save lives and protect property, o Reduce recovery time and costs, and o Reduce flood insurance costs. ■ Implementing higher standards protects your community further. ■ Enforce these standards to ensure buildings and structures are built appropriately. Topic 4: Enforcement SM -58 Floodpla in Management for Local Elected Officials and Executives December 2023 Topic 5: Community Rating System (CRS) Overview Topic 5: Commun ity Rating System Overview SM - 59 Floodpla in Management for Local Elected Officials and Executives December 2023 Visual 1: Topic 5 - Community Rating System (CRS) Overview Topic 5: Community Rating System (CRS) Overview Topic 5: Commun ity Ra ti ng System Ove rvi ew SM- 60 Floodp la in Management for Loca l Elect ed Officials a nd Exec ut ives December 202 3 Visual 2: Topic 5 Objectives ■ Know the benefits of NFIP 's higher standards and the Commun ity Rating System. RI The NFIP and CRS communities adopt floodplain management best practices. In this topic, we will discuss how investing in the NFIP and CRS makes communities safer and saves money. s You are encouraged to explore the following site regarding key information needed to fulfil l floodplain management responsibilities as loca l elected officials: Online Elected Officials' Flood Guide - ASFPM Flood Science Center■ Resource ( https:// floodsciencecenter .o rg/ products/ elected-officials-flood-risk-guide/ ) Top ic 5: Community Rat ing System Overview SM-6 1 Floodplain Management for Local Elected Officials and Executives Visual 3: CRS Program and Community Flood Insurance Discounts ■ Communities can get CRS credits for appl yi ng higher standards, mitigation actions, and outreach activities. • CRS credits lead to flood in surance premiums savings. ■ All NFIP-insured structures receive discounts. ■ - 40 % of flood insurance claims come from structures not in mapped high- ri sk flood areas. Key Points: December 2023 Abo ut 40% of flo od insurance claims come from structures ou tside of mapped high- risk flood areas. Hi gher standards protect your community mo re from the impacts of flooding than just NFIP minimums. FEMA incentivizes higher standards thro ugh the CRS. The CRS is a voluntary program that gives communities points for applying higher floodplain management standard s, mitigation actions, and outreach activities. The credits save community members money on flood insurance premiums. All NFIP- insured properties in the community qualify for the discount. Topic 5: Commun ity Rating System Overview SM -62 Floodpla in Management for Local Elected Officials and Executives Visual 4: CRS Classes and How They Lead to Discounts ■ CRS rates communities from 9 to 1. ■ Each CRS class earns an additional 5% discount on flood insurance premiums. ■ Class 1 communities receive the highest discount. Key Points: 9 8 7 6 5 4 3 2 1 5% 10% 15% 20 % 25% 30 % 35% 40 % 45 % December 2023 Ill ■ The Community Ra ting System evaluates communit ie s based on how much they invest in flood-damage prevent io n activities. ■ Com munities earn a rating from 9 to 1. Comm unities with a 1-rating receive the largest discou nt: 45 % discount on flood insurance premiums. ■ Flood-damage prevention activities include higher stan da rds, mitigation actions, and outreach activities. Topic 5: Commun ity Rating System Overview SM - 63 / Floodplain Ma nagement for Loca l Elected Officials and Executives Visual 5: Earn Discounts Through Activities • Public Information (300 series): o Teaching the community about flood protection o Conducting outreach • Mapping and Regulations (400 series): o Adopting higher standards o Preserving open space in the floodplain Topic 5: Commun ity Rating System Overview Dece mber 2023 SM-64 Floodplain M an agement for Lo cal Elected Officia ls and Executives December 2023 Vi sual 6 : Earn Discounts Through Activities (cont.) • Flood Damage Re duction (500 series ): o Regu larly ma intaining dra inage systems o Completing repetitive loss area analysis • Warning and Resp onse (600 series ): o Creating dam safety plans o Emergency warning distribut ion Topic 5: Community Rati ng System Overview SM -65 Floodplain Ma nageme nt for Local Elected Officia ls and Execut iv es December 2023 Visual 7 : (CRS) Steps to Join the Community Rating System • Meet prerequisites for jo ining CRS: o Be NFIP-compliant. o Maintain construction documentation permanently. o Take flood insurance and mitigation actions. • Submit a letter of interest to your FEMA Reg ional Office. • Submit a CRS application . Topic 5: Commun ity Rat ing System Overview SM -66 Floodplain Management for Loca l Elected Officials and Executives Visual 8: Maintaining CRS Participation • Your community must recertify that you a re doing your credited act ivi ties. • Every three or five years the CRS Specialists visit. • CRS Special ists help your com munity compile documentation. Topic 5: Commun ity Rating System Overview N•Uonaf Flood 1,-u r.-.ce Pl'ogrwn Carm<r,lly-- Coordinator' s , ~~,ual FEMA December 2023 ____ _, -- r- SM -67 Floodpla in Ma na gement for Loca l Elected Officials and Execut iv es De cember 2023 Visual 9: Other Programs Similar to CRS ■ THIRA: Threat and Hazard Identification and Risk Assessment ■ Fire Suppression Rating Schedule (F SRS): Rates your fire department's ability to serve the community ■ Build in g Code Effectiveness Gr ad ing Schedule ( BCEG S): Rates your build in g codes and how you enforce t hem Topic 5: Community Rating System Overview . ~ . . - . · - - . . • ! ; '.. - . . '• ., SM -68 Floodplain Ma nagement for Local Elected Officials and Exe cutives December 2023 Visual 10: CRS Participation Community Geography Community by Class Source: FEMA Community Rating System Date: April 2023 Key Points Class Discount 3 35% 20% What you see here is CRS participation nationally. * .. .. * • • • ♦ ♦ Ill • Over 1,500 com mu nities participate in the CRS . 12 a6 0 11 a6 175 25 4 228 • Most of the communities that participate are Class 5 through Class 9 . • Completing prerequis ites and earn in g points for discounts requ ire large investments of tim e and money. 416 406 ~ You are encouraged to explore the follow in g site regarding key informati on about the FEMA 's Community Rat in g System : Online • Community Rating System Reso urce (https ://www .fema.gov/floodplain-managementjcommunity-rating-system ) Topic 5: Community Rating System Overview SM-69 Floodpla in Management for Loca l Elected Officials and Execut iv es Vis ual 11: Benefits of Higher Standards • Less damage from flooding and faster recovery: • More affordable flood insurance • Safer places to live • Economic growth Topic 5: Commun ity Ra t ing System Ove rview De cember 2023 SM - 70 Floodpla in Ma nagement for Lo cal Elected Officials and Executiv es December 2023 Visual 12: Common Higher Standards Free board Fill re strictions No -ri se requ irements for entire floodpla in Open space preservation Ill Key Points: Higher standards are not one-size-fits-all. Your community should adopt the higher sta ndards th at f it your community's needs. Popular higher standards: ■ Freeboard: Additional height above the Base Flood Elevation (e.g. , two feet). It is