Citrus stakeholders workshop final [read only]

STAKEHOLDERS COORDINATION MEETING

August 20, 2013

Citrus County and Incorporated Areas

Flood Map Modernization

Introductions and Project Overview

Ron Ferris, PE, CFMSWFWMD

Agenda

• Introductions• Project Overview• The FEMA Mapping Process• Effects on Insurance and BW-12• Outreach• Next Steps & Resources• Questions• Review of maps

The Mapping Programs

Before Flood Map Modernization

• Outdated Maps; 70% > 10 years old • Unidentified floodplains; unregulated

floodplains • Building and development in floodplains • Patchwork quilt of outdated flood studies• Paper maps with little detail; hard to read


Flood Map Modernization Results• 92% US population will have digital flood maps• Reduced mapping lifecycle time• Seamless digital data on county-wide basis• Integrate with other GIS-based data and maps• More accurate; more easily accessible


FEMA’s Next Step – Risk MAP*• Mission

Deliver quality data that increases public awareness which leads to action, reducing risk to life and property

• Engineering Focus on: Levees Coastal Watershed-based mapping

* Mapping, Assessment & Planning

Citrus County Mapping Partners

NFIP Community:– Inverness– Crystal River– Citrus County

Agency:– Southwest

Florida Water Management District (SWFWMD)

– Federal Emergency Management Agency (FEMA)

Agency’s Consultants:FEMA:

Mapping Contractor –Michael Baker, Jr., Inc.

SWFWMD: AECOM/ECT Bender Consulting

Current Effective Map Status

Map Current Effective Date: Citrus County: 11/6/1998Crystal River: 08/15/1984Inverness: 05/17/1982

Map Improvements

• New digital orthophotos for base map

• New, more detailed topographic data from LiDAR

• New detailed studies, redelineations and historical delineation

• Incorporation of Letter of Map Changes

Project Scoping

£¤41

¬«200

¬«44

North of Barge

Canal

Little

Withlacoochee

£¤98

£¤19

Tsala Apopka

Crystal River

Cardinal Lane

Center Ridge

Red Level

Withlacoochee River

InvernessOzello

Floral City

Homosassa South Fork

Tsala Apopka Outlet

Lizzie Hart SinkChassahowitzka River

Homosassa North

Shinn Ditch

Homosassa South

McKethan Lake Outlet

North of Barge Canal*

Leslie Heifner Canal

Lower Withlacoochee*

Inverness

Crystal River

* Watersheds in solid color denote detailed study areas.* Watersheds in white denote areas that have been redelineated.

Detailed Studies

Wetlands and Water Bodies from Land Use / Land Cover and Topographic Data were used to develop Zone A.

Historical Delineation

Approximate Impacts

Total Parcels Removed (In, moving Out)

Added (Out, moving in) Total affected Unchanged

(In, Staying In)

Unchanged (Out, Staying

Out)

Policies in Force(May 2013)

Crystal River, City of 2794 5 67 72 2593 129 1123

Inverness, City of 6341 334 402 736 670 4935 120

Unincorporated 137542 2827 8669 11496 22844 103202 5764

Total 146677 3166 9138 12304 26107 108266 7007

Project Activity To-Date

ACTIVITY DATE

Scoping Meeting April 26,2007

Detailed Studies 2008 - 2010

SWFWMD Public Open Houses Detailed Study Areas

2010 - 2011

In-reach & Stakeholder Meetings August 2013

The FEMA Mapping Process

Michael Taylor, PE, CFMAECOM

Post-Preliminary Process

1. Preliminary Maps Issued

2. PDCC Meeting

3. Appeal / Comment Period

4. Letter of Final Determination

5. Community Compliance Period

6. Effective Maps

Preliminary Maps Issued

• Citrus County’s Preliminary Maps were issued on July 3,

2013. A Preliminary Map Package was sent to each

community and included:

• Flood Insurance Rate Maps (FIRMs) • Citrus County Index Panel

• Flood Insurance Study (FIS) Report

• Summary of Map Actions (SOMA)

• Preliminary Issuance Letter

PDCC Meeting / Public Open House

• Preliminary DFIRM Community

Coordination (PDCC) Meeting

September 26, 2013 – 10:00am

Public Open House

September 26, 2013 – 3:00 –

7:00 pm

Appeal and Comment Period

• Citrus County and incorporated communities will have a 90-day appeal period for all changes to Special Flood Hazard

Areas. Citrus County and incorporated communities will follow

FEMA’s new Expanded Appeals Process. • SFHA changes will be published in the Federal Register• SFHA changes will be published in your local newspaper, twice

within a 10-day period• The day of the second newspaper publication will begin the 90-

day appeal period

Appeals are for all SFHA changes


• Citrus County and incorporated communities will also

have a comment period, which begins at the conclusion

of the PDCC Meeting. Comments include, but are not

limited to, the following:

• Stream changes• Road changes • Corporate limit changes

All other changes are considered Comments


• Please direct your comments to your local floodplain

administrator. Your local floodplain administrator can

submit all appeals and comments to:

Michael Taylor, PE, CFMAECOM [email protected] Peachtree Street NE #500Atlanta, GA 30309404.946.9488

We will not move forward until your appeals and comments are resolved.

Letter of Final Determination

• After 90-day appeal period and all appeals and

comments have been resolved, FEMA will issue a Letter of Final Determination (LFD)

• Along with the LFD, the Final Summary of Map Actions (SOMA) will be sent, informing the community of Letters

of Map Change that will be revalidated or superseded

• LFD begins a 6-month Compliance Period, during which

the community will adopt new maps into their floodplain

ordinance

Effective Maps

• After the Compliance Period ends,

communities will receive:

• Paper copies of the effective Flood

Insurance Rate Maps and Flood Insurance

Study Report, as well as digital data

• A Revalidation Letter, informing the

community of all Letters of Map Change that

have been revalidated on the new maps

Effects of Map Changes on Building

Bruce Bender, CFMBender Consulting Services, Inc.

Effects of Map Changes on Building

• Vertical Datum– Does not change the

relationship of the ground heights to the water surface

– Does change the value assigned to those heights that are printed on the maps and other supporting documents and data

– Users of elevation data from multiple sources must take care that the elevation values are based on the same datum

Effects of Map Changes on Insurance

Preferred Risk Rates vs. Standard Rates

• Preferred Risk Rates – Must be in Zone B, C, or X at

time of application AND each subsequent renewal*

– Fixed premiums; fixed limits– Limited loss history

• Standard Rates – Rate Tables provided in Flood

Insurance Manual– Risks not eligible for Preferred

Risk Policy– Flexible limits

NOTE:*Effective January 1, 2011:

PRP eligibility was extended two policy years after a map change; it then had to be re-rated using standard rates.

Effective January 1, 2013:PRP eligibility was extended until further notice.

High-Risk (Zone A, AE, V, VE)

Moderate- or Low-Risk (Zone B, C, X )

• Federal Mandatory Purchase Requirement• Risk increases = premium increases• FEMA provides cost-saving options:

– If eligible, write Preferred Risk Policy and continue coverage after new map becomes effective


Higher BFE (Zone AE)

Lower BFE (Zone AE)

• Federal Mandatory Purchase Requirement• Risk increases = premium increases• FEMA provides cost-saving option:

– Eligible properties can grandfather the lower BFE for future rating



High-risk (A, AE)

Moderate (shaded X)- or Low-Risk (X)

• No longer the Federal Mandatory Purchase Requirement

• Lenders, however, can still require• AND…the Risk is still there

– It is reduced… NOT REMOVED

Procedure:– Ensure property is

eligible for PRP (e.g. losses, zone)

– Chose proper PRP building limit (note: contents are included)

– Rewrite existing SFIP as a PRP, using last renewal date before map change

Conversion

31

Results: No gaps in coverage (no 30-

day wait) A refund to the policyholder

(“Stay covered and get money back”)

Strengthened customer loyalty for the agent

Agent keeps commission on old and new policy

Effects of Map Changes on Insurance No Change in BFE or Zone

• Still at risk; know the level of risk– If currently has flood insurance:

• Is it at current replacement cost?• Are the contents fully covered?

– If not currently covered for flood: • Do they qualify for a PRP?• If they don’t want coverage, have

them decline in writing to the agent!

32

Effects of Biggert-Waters Flood Insurance Reform Act of 2012

Biggert-Waters (BW-12): What’s Changing

•Subsidized rates to be phased out Non-primary residences Business properties Severe repetitive loss properties (1-4 residences),

and properties where claims payments exceed fair market value

•New policies to be issued at full-risk rates

After the sale/purchase of a property After a lapse in insurance coverage After substantial damage/improvement For properties uninsured as of BW-12 enactment As new or revised Flood Insurance Rate Maps are

issued (grandfathered rates planned to be phased out over 5 years)

Subsidized Rates:Pre-FIRM properties that are in Zone D or in Zones A and V that are not rated with an elevation certificate.

Pre-FIRM: Built before the community’s first Flood Insurance Rate Map became effectiveand not been substantially damaged or improved

Changes effective January 1, 2013, at policy renewal• Subsidized premium rates for “pre-FIRM” properties in

high-risk (A or V) zones and Zone D will be phased out

• Rates will increase 25 percent per year until they reflect the full-risk rate.

Non-primary residence:A building that will be lived in forless than 80 percent of the year

Changes for Non-Primary Residences

Changes to Other Subsidized Rates

Changes planned to start October 1, 2013 Rates on pre-FIRM commercial buildings in SFHAs

Increase by 25% a year until they reach full-risk rates. Rates for repetitively

flooded buildings (known as Severe Repetitive Loss properties) of 1-4 residences increase 25% a year until they reach full-risk rates

Includes buildings with cumulative flood insurance payments that meetor exceed fair market value

Direct Move to Full-Risk Rates

Changes planned to start October 1, 2013 forpre-FIRM properties in Zones A, D or V After the sale/purchase of a property after 7/6/2012

Subsidized rates can no longer be assigned to the new owner When a new policy is issued after 7/6/2012

Full-risk rates will be charged After a policy lapse after 10/4/2012

Full-risk rates will be chargedPolicyholders should know that allowing a policy to lapse could be costly.

What About Grandfathering?

• Per Section 100207, Grandfathering will be phased outBW-12 calls for a phase-out of certain discounted premiums, including grandfathered premiums, and a move to full actuarial rates

• Section 100207 implementation anticipated in late 2014Phase-in to full-risk rates at 20% a year for 5 years anticipated to begin

• PRP Eligibility Extension will most likely be phased out.

• PRP Extension rates will go up 20% starting October 1, 2013

Outreach Cece McKiernan, CFM, LEED APEnvironmental Consulting &

Technology, Inc.

Community Outreach & Engagement

ACTIVITY DATEIn-reach Meeting August 2, 2013Stakeholder Meeting August 20, 2013Elected Official Briefings OngoingPDCC September 26, 2013 Preliminary Map Open House September 26, 2013

PDCC & Open House

Citizen Input

Keeping the public informed about the process, asking them to participate and acknowledging their input create successful mapping efforts.

Core Messages

• Maps are changing – and the changes affect Citrus County residents and business owners

• The flood hazard maps were last updated more than a decade ago. Since then, drainage patterns have changed, new land development has occurred, and mapping and modeling technology has improved.

• The new flood maps will help property owners better understand their current flood risk in order to make more informed financial decisions about protecting their property.

• The risk is real, in both high- and moderate-to-low risk areas• Flood map changes have construction and insurance implications• Understand your flood insurance options – and how you can save

money • New maps = safer communities

•The most often asked questions in an Open House:

• How am I affected?• How do I get out of it (when they find out they

are in a high-risk zone)?• What’s the cheapest cost (when they find out

they can’t get out of it)?

• Be ready to help guide them to find the best and least expensive option.

Open House Questions

What NOT to Say

• You don’t live in a flood zone.

• You are mapped out of (or into) a flood zone.

• You don’t need flood insurance. This interactive tool

shows the cost of a flood toyour home, inch-by-inch.

Post-Preliminary Process Estimated Dates

Effective Maps – September 2014*

Community Compliance Period – March – September 2014*

Letter of Final Determination Issued – March 2014*

Appeal / Comment Period – October – December 2013*

PDCC Meeting – September 2013*

Preliminary Maps Issued – July 2013

*estimated time

Where To Find More Information

Resources• For Information on the Web:

Central Florida Regional Planning Council

www.cfrpc.org/floodmapupdate

• For General Information:Citrus County Board of County

CommissionersPhone: (352) 341-6560www.bocc.citrus.fl.us

• For Technical Assistance:Southwest Florida Water

Management DistrictPhone: (352) 796-7211, ext. 4297www.watermatters.org/floodrisk

• For Flood Insurance Information:National Flood Insurance Program www.FloodSmart.gov

• For Flood Mapping Information:FEMA Flood Hazard Mapping

Programwww.fema.gov/hazard/flood/index.s

htm

• FEMA Map Information eXchange(FMIX):http://msc.fema.gov800-FEMA-MAP (336-2627)

• FEMA BW-12 Informationwww.fema.gov/bw12

http://msc.fema.gov

QUESTIONS?

Documents

Citrus stakeholders workshop final [read only]