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CA Department of Water Resources/ CIFMCG Workshop. COMPREHENSIVE FLOODPLAIN MANAGEMENT : Promoting Wise Uses of Floodplains. July 2006. Comprehensive Floodplain Management Workshop. NFIP Overview. Workshop Modules. Comprehensive FPM NFIP Overview FPM No Adverse Impact Strategies

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CA Department of Water Resources/

CIFMCG Workshop

COMPREHENSIVE FLOODPLAIN MANAGEMENT: Promoting Wise Uses of Floodplains

July 2006



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Workshop Modules

  • Comprehensive FPM

  • NFIP Overview

  • FPM No Adverse Impact Strategies

  • Natural Floodplain Functions and Societal Values

  • Flood Management Economic Analysis

  • Ecosystem Evaluation Methods

  • Case Study

  • Technical and Financial Assistance


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NFIP Overview

  • Background

  • Agency Roles

  • Hazard Identification

  • Flood Insurance Rate Zones

  • Floodplain Management Requirements

  • Multi-Hazard Planning

  • Improving NFIP Effectiveness

  • Community Rating System


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NFIP Overview

  • Background

  • Agency Roles

  • Hazard Identification

  • Flood Insurance Rate Zones

  • Floodplain Management Requirements

  • Multi-Hazard Planning

  • Improving NFIP Effectiveness

  • Community Rating System


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Background

  • The National Flood Insurance Program was established by Congress in 1968 to:

    • Protect lives and property

    • Reduce financial burden for flood damage assistance

  • Federal Emergency Management Agency (FEMA) administers the NFIP

  • Almost 50,000 communities in the U.S. participate in the NFIP

  • Over 98 percent of California’s communities participate in the NFIP


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NFIP Overview

  • Background

  • Agency Roles

  • Hazard Identification

  • Flood Insurance Rate Zones

  • Floodplain Management Requirements

  • Multi-Hazard Planning

  • Improving NFIP Effectiveness

  • Community Rating System


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Agency Roles: Community

  • Adopt floodplain management regulations that meet or exceed NFIP standards and requirements

  • Provide information to residents on flood hazards, floodplain map data, flood insurance and proper construction methods

  • Monitor floodplain development by issuing permits and conducting inspections


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Agency Roles: State

  • Ensure that communities have the legal authority necessary to adopt and enforce floodplain management regulations

  • Establish minimum state regulatory requirements consistent with the NFIP (model FPM ordinance)

  • Provide technical and specialized assistance to local governments

  • Assess community compliance with minimum NFIP criteria


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Agency Roles: State

  • DWR Floodplain Management Branch

    • Ricardo Pineda, Chief (916) 574-0611

    • Bill Hom (916) 574-0633

    • Maria Lorenzo Lee (916) 574-0639

    • Steve Cowdin (DPLA) (916) 653-8166

      www.fpm.water.ca.gov


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Agency Roles: Federal (FEMA)

  • Assist in flood risk identification (mapping)

  • Make available affordable flood insurance

  • Establish development/building standards

  • Assist the state NFIP coordinating agencies

  • Assess community compliance with minimum NFIP criteria

  • Advise local officials responsible for administering the ordinance


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Agency Roles

  • Government agencies should establish partnerships with private sector:

    • Public

    • Lenders

    • Insurance agents

    • Real estate agents

    • Appraisers

    • Consulting engineers

    • Surveyors


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NFIP Overview

  • Background

  • Agency Roles

  • Hazard Identification

  • Flood Insurance Rate Zones

  • Floodplain Management Requirements

  • Multi-Hazard Planning

  • Improving NFIP Effectiveness

  • Community Rating System


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Hazard Identification

  • FEMA conducts a Flood Insurance Study (FIS) to appraise a community’s flood problems

    • Final report—written text, stream profiles, figures, tables, etc.

    • Flood Insurance Rate Map (FIRM)—shows of flood hazard areas, flood insurance risk zones (ex: A, AE, V, or VE), base flood elevations, floodways and other related information


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Hazard Identification

  • Base flood

    • A flood that has a one-percent chance of being equaled or exceeded in any given year

    • Referred to as the “100-year” flood

  • Base floodplain

    • The land covered by the floodwaters of the “base flood”

    • Referred to as the “Special Flood Hazard Area” (SFHA)

  • Base flood elevation (BFE)

    • The water surface elevation of the base flood


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FIRMs

For more information on FIRMs, visit FEMA’s website: www.fema.gov/fhm/ot_firmr.shtm


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Hazard Identification

FLOODWAY

1 FT MAXIMUM

SURCHARGE


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NFIP Overview

  • Background

  • Agency Roles

  • Hazard Identification

  • Flood Insurance Rate Zones

  • Floodplain Management Requirements

  • Multi-Hazard Planning

  • Improving NFIP Effectiveness

  • Community Rating System




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NFIP Overview

  • Background

  • Agency Roles

  • Hazard Identification

  • Flood Insurance Rate Zones

  • Floodplain Management Requirements

  • Multi-Hazard Planning

  • Improving NFIP Effectiveness

  • Community Rating System


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FPM Regulations

  • To participate in the NFIP, a community must:

    • Adopt and enforce FPM ordinance

    • Require permits for floodplain development

    • Estimate flood elevations that were not determined by FEMA

    • Require residential structures to be elevated at or above the 100-year flood elevation (BFE)

    • Conduct field inspections and cite violations

    • Establish variance procedures

    • Advise FEMA when map updates are needed


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NFIP Overview

  • Background

  • Agency Roles

  • Hazard Identification

  • Flood Insurance Rate Zones

  • Floodplain Management Requirements

  • Multi-Hazard Planning

  • Improving NFIP Effectiveness

  • Community Rating System


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Multi-Hazard Planning

  • Disaster Mitigation Act of 2000

    • Established a pre-disaster hazard mitigation program

    • Established new requirements for the national post-disaster Hazard Mitigation Grant Program (HMGP)

    • States and communities must have an approved multi-hazard mitigation plan in place before receiving post-disaster HGMP funds


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Multi-Hazard Planning

  • More info:

    FEMA “State and Local Mitigation Planning How to Guides”

    www.fema.gov/fima/planhowto.shtm


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NFIP Overview

  • Background

  • Agency Roles

  • Hazard Identification

  • Flood Insurance Rate Zones

  • Floodplain Management Requirements

  • Multi-Hazard Planning

  • Improving NFIP Effectiveness

  • Community Rating System


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Improving NFIP Effectiveness

  • Despite successes, there are concerns with the NFIP:

    • It only sets “minimum” standards

    • It focuses upon how to build in floodplains vs. how to minimize future damage caused by development

    • It ignores changing conditions

    • It ignores adverse impacts to existing properties

    • It undervalues natural floodplain functions and societal values


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Improving NFIP Effectiveness

  • Go beyond “minimum requirements”

  • Join the existing Community Rating System

  • Adopt ASFPM “No Adverse Impact” Strategies

  • Integrate FPM planning with community general planning process


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NFIP Overview

  • Background

  • Agency Roles

  • Hazard Identification

  • Flood Insurance Rate Zones

  • Floodplain Management Requirements

  • Multi-Hazard Planning

  • Improving NFIP Effectiveness

  • Community Rating System


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Community Rating System

  • Reduces flood insurance rates for communities that implement activities above NFIP minimum standards

  • Maximum premium reduction—45%

  • 61 CA communities participate in CRS

  • CA 2004 premium savings--$9.7 million


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Community Rating System

  • CRS categories of activities

    • Series 300: Public information

    • Series 400: Mapping and regulations

    • Series 500: Flood damage reduction

    • Series 600: Flood preparedness

  • More CRS info:

    www.training.fema.gov/EMIWeb/CRS/index.htm


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To Summarize…

  • The NFIP sets minimum FPM standards

  • Communities are encouraged to go beyond minimum standards

    • For example, the state of California recommends that lowest floor be elevated TWO feet above the base flood elevation

    • See Model ordinance and other NFIP training at:

      www.fpm.water.ca.gov

  • Join the Community Rating System

  • Adopt No Adverse Impact strategies


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What’s Next?

  • ASFPM No Adverse Impact strategies