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• Outdated Maps; 70% 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floodplains • Building and development in floodplains • Patchwork quilt of outdated flood studies• Paper maps with little detail; hard to read
The Mapping Programs
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
The Mapping Programs
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
Appeal and Comment Period
• 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
Appeal and Comment Period
• 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
Effects of Map Changes on Insurance
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
Effects of Map Changes on Insurance
Effects of Map Changes on Insurance
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
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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!
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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
QUESTIONS?
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