NHLSA Annual Meeting 12/02/2016 Agenda Surveying in Floodplains • NFIP Updates NHLSA Annual Meeting December 2, 2016 • FEMA Floodplain Maps and Studies • FEMA Elevation Certificate Jennifer Gilbert, CFM Senior Planner, Floodplain Management Program Coordinator • Letter of Map Changes New Hampshire Office of Energy and Planning 2 NFIP Participation in National Flood Insurance Program New Hampshire • 217 communities (92%) participate • 18 communities (8%) do not participate 3 4 NFIP Timeline Community NFIP Hurricane Flood Insurance Pre-FIRM Post-FIRM Initial Flood Created Katrina and Reform Insurance Rate Others Map (FIRM) Hurricane Sandy Pre-FIRM Post-FIRM Lender • Built before 1 st map NFIP • Built or substantially Law improve after 1 st map Reauthorization • Pay less than full risk • Already pay full risk • About 40% of structures in NH • About 60% of 1968 1973 2005 2012 2013 2014 2017 structures in NH 5 6 •1 1 of 21
NHLSA Annual Meeting 12/02/2016 Overview of Flood Insurance Pre-FIRM vs Post-FIRM Rates Changes Same premiums but different risks • Biggert-Waters Flood Insurance Reform Act of 2012 – Implementation began in October 2013 – Some rate increases to full risk were immediate and significant – Big impact on real estate market • Homeowners Flood Insurance Affordability Act of 2014 – Implementation began in June 2014 – Repealed and modified provisions of Biggert-Waters – Slowed rate increases but still moving to full risk rates Premiums differ and are based on the various risks 7 8 Properties Seeing Highest Full Risk Rates Premium Rate Increases • Full-risk rates are Increases of 25% per year until reach full property-specific and risk rates: elevation-rated • Non-Primary Residences (<50% of year) • Non-Residential Business • Completion of a FEMA – Named insured is commercial enterprise carried out to Elevation needed to generate income; business building or mixed use building determine a structure’s full • Severe Repetitive Loss Properties risk rate 9 10 2017 NFIP Reauthorization & Reform • NFIP Reauthorization Biggert-Waters Flood Insurance Reform Floodplain Mapping Act of 2012 extended the NFIP authority through September 30, 2017 . • Flood Insurance Market Parity and Modernization Act (H.R. 2901) Legislation to facilitate development of a more robust private market for private flood insurance. 11 •2 2 of 21
NHLSA Annual Meeting 12/02/2016 Current Status of Digital Vertical Datum on NH Maps Floodplain Maps in NH NAVD 1988 NGVD 1929 Map Effective County Date • Carroll Carroll 03/19/2013 • Cheshire • Belknap Cheshire 05/23/2006 Coos 02/20/2013 • Coos • Grafton Grafton 02/20/2008 • Hillsborough • Rockingham Hillsborough 09/25/2009 Merrimack 04/19/2010 • Merrimack • Strafford (Non- Rockingham 05/17/2005 Coastal only) • Strafford (Coastal Strafford (partial) 05/17/2005 portion only) Strafford (partial) 09/30/2015 Sullivan 05/23/2006 • Sullivan Belknap County – No Digital Maps 13 14 14 FEMA Discovery Projects in NH FEMA Discovery Projects in NH • Nashua River Watershed by USGS • Nashua River Watershed by USGS (Meeting held in 4/16) (Meeting held in 4/16) • Winnipesaukee River Watershed by USGS • Winnipesaukee River Watershed by USGS (Meeting held in 9/16) (Meeting held in 9/16) • Lower Connecticut River Watershed by UNH • Lower Connecticut River Watershed by UNH (Meeting in early 2017) (Meeting in early 2017) 15 16 FEMA Discovery Projects in NH FEMA Discovery Projects in NH • Nashua River Watershed by USGS • Nashua River Watershed by USGS (Meeting held in 4/16) (Meeting held in 4/16) • Winnipesaukee River Watershed by USGS • Winnipesaukee River Watershed by USGS (Meeting held in 9/16) (Meeting held in 9/16) • Lower Connecticut River Watershed by UNH • Lower Connecticut River Watershed by UNH (Meeting in early 2017) (Meeting in early 2017) 17 18 •3 3 of 21
NHLSA Annual Meeting 12/02/2016 Flood Insurance Rate Maps (FIRM) and FEMA Mapping Projects in NH Flood Insurance Study (FIS) • Merrimack River Basin (USGS) • Salmon Falls- Piscataqua Rivers Watershed (outside of current Coastal Project area) (UNH) 19 20 Digital FIRMs New Digital FIRMs 21 22 Where to Find Floodplain Maps FEMA Map Service Center www.msc.fema.gov/portal FEMA Map Service Center 23 24 •4 4 of 21
NHLSA Annual Meeting 12/02/2016 GRANITViewII FEMA’s National Flood Hazard Layer http://www.granit.unh.edu/ 25 26 Where to Find BFEs 27 Zone AE - Riverine 196.4 ft 195.8 ft 193.1 ft 29 30 •5 5 of 21
NHLSA Annual Meeting 12/02/2016 Steps on Using the FIS to Zone AE - Riverine Determine the BFE • Riverine BFE – Floodway Data Table – Flood Profile • Pond & Lake BFE – Summary of Stillwater Elevations Table 31 32 Zone AE 33 34 Zone AE – Lakes, Ponds, Ocean 35 36 •6 6 of 21
NHLSA Annual Meeting 12/02/2016 Zone AE Coastal Areas 37 38 Zone AE Transects 39 40 Zone AE FIS Transect Data Table 41 42 •7 7 of 21
NHLSA Annual Meeting 12/02/2016 Zone AO Highest Adjacent Grade Determining the BFE in Zone AO + Depth Number on FIRM Flood Elevation 44 Why are there Zone As with no BFE? • Not cost effective in areas where there is no or little development Determining the BFE in Zone A • Zone A Floodplain areas based on approximate methods or historical flood data • LiDAR is helping 46 FEMA Guidance Determining BFE for a LOMA Document For LOMA purposes, determine if any base flood elevation data is available from: Managing Floodplain • Federal (USACE, USGS) Development in • State (DOT, DES, OEP) Approximate • Community Zone A Areas • All proposals for development greater than 50 lots or 5 acres, whichever is the lesser, include BFE data within such proposals 47 48 •8 8 of 21
NHLSA Annual Meeting 12/02/2016 LOMA in Zone A with no BFE • Submit letter with LOMA application stating checked with sources and request FEMA to determine BFE • FEMA may required local survey data: – Surveyed cross section(s) of property – Culvert, bridge, or dam data Fact Sheet #6 - Surveying for a LOMA in Zone A if in vicinity of property 49 50 Questions FEMA Elevation Certificate 51 FEMA Elevation Certificate • Current version released in • Expiration date: 11/30/2018 53 54 •9 9 of 21
NHLSA Annual Meeting 12/02/2016 FEMA Elevation Certificate Elevation Certificate Sections Section A – Property Information NFIP Administrative Tool: Section B – FIRM Information • Community compliance Section C – Building Elevation Information • Building elevation certification Section D – Certification • Policy rating Section E – Building Elevation (no BFE) • Map amendment/revision support Section F – Property Owner Certification Section G – Community Information 55 56 56 Section A – Property Information Building Diagram #1A • C2.d 57 58 • C2.f • C2.g • C2.a • C2.e Building Diagram #1B Building Diagram #2A (previously #2) 59 60 •10 10 of 21
NHLSA Annual Meeting 12/02/2016 New Building Building Diagram #3 Diagram #2B 61 62 Building Diagram #4 Building Diagram #5 • C2. b • C2.a • C2.c 63 64 Building Diagram #6 Building Diagram #7 65 66 •11 11 of 21
NHLSA Annual Meeting 12/02/2016 Building Diagram #8 Building Diagram #9 67 68 Importance of Correctly Documenting Flood Openings on EC • If no openings are documented or are documented incorrectly on the EC, it can affect: – What is considered the lowest floor – Flood insurance premium – Compliance with community’s regulations 69 70 Openings Openings Documented Documented on EC on EC Correctly Incorrectly BFE BFE •Average insurance premium •High insurance premium •Compliance with regulations •Non-compliance with regulations 71 72 •12 12 of 21
NHLSA Annual Meeting 12/02/2016 Purpose of Flood Openings Two Types of Flood Openings Allow water to flow in and out to relieve pressure Engineered Openings of standing or slow-moving water – Designed and certified by a registered design professional as meeting the performance required by regulations. Non-Engineered Openings – Openings used to satisfy the prescriptive requirements. Wide variety of options are available to satisfy these requirements. 73 74 Non-Engineered Flood Opening Engineered Vents Requirements • Must be on at least 2 different walls • The total square inches of flood openings must be equal to or greater than the square footage of enclosure – Example: An 800 sqft enclosure must have at least 800 square inches of openings Sources: Smart Vent and American Surveyor 75 76 Non-Engineered Flood Opening Examples of Non-Engineered Requirements Flood Openings • The bottom of a flood opening cannot be more than 1 foot above the grade (interior or exterior, whichever is higher) 77 78 •13 13 of 21
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