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HomeMy WebLinkAbout09012005 BSC Agenda Item 5 • • OMB No. 3067-0195 GocY M4 J° Expires February 28, 2005 -o ar FIA-15A/2002 National Flood Insurance Program Community Rating System N F I P/C RS CRS APPLICATION 2002 • • OMB No. 3067-0195 Expires February 28, 2005 Public reporting burden for the CRS Application worksheets and the CRS Coordinator's Manual is estimated to average 30 hours per response. The burden estimate includes the time for reviewing instructions, searching existing data sources, gathering and maintaining the needed data, and completing and submitting the application worksheets. You are not required to respond to this collection of information unless a valid OMB control number is displayed in the upper right corner of the worksheet. Send comments regarding the accuracy of the burden estimate and any suggestions for reducing the burden to: Information Collections Management, Federal Emergency Management Agency, 500 C St., S.W., Washington, D.C. 20472, Paperwork Reduction Project (3067-0195). Note: do not send your completed worksheets to this address. Activity Worksheet No. Title AW-210 CRS Application Cover Page AW-214 Recertification Worksheet AW-230 Modification/Cycle Cover Page AW-310 Elevation Certificates AW-320 Map Information AW-330 Outreach Projects AW-340 Hazard Disclosure AW-350 Flood Protection Information AW-360 Flood Protection Assistance AW-410 Additional Flood Data AW-420 Open Space Preservation AW-430 Higher Regulatory Standards AW-430LD Land Development Criteria AW-440 Flood Data Maintenance AW-450 Stormwater Management AW-501 Repetitive Loss List AW-502 Repetitive Loss Requirements AW-510 Floodplain Management Planning AW-520 Acquisition and Relocation AW-530 Flood Protection AW-540 Drainage System Maintenance AW-610 Flood Warning Program AW-620 Levee Safety AW-630 Dam Safety AW-710 Community Growth Adjustment AW-720 Community Credit Calculations AW-720m Community Credit Calculations(Modification) AW-CB Closed Basin Lake Hazards AW-CE Coastal Erosion Hazards AW-DB Dunes and Beaches AW-IJ Ice Jam Hazards AW-MF Mudflow Hazards AW-SU Land Subsidence Hazards AW-TS Tsunami Hazards AW-UF Uncertain Flow Path Hazards • FOREWORD The Community Rating System (CRS) is a part of the National Flood Insurance Program (NFIP). When communities go beyond the minimum standards for floodplain management, the CRS can provide discounts up to 45% off flood insurance premiums for their policyholders. Why Apply? When your community participates in the CRS,everyone benefits, including those who don't live or own property in a floodplain. Even when there is no flooding, your community's public information and floodplain management efforts can improve the quality of life,protect the environment, make people safer, and save everyone money. If there is a flood, your CRS activities • Save lives. • Prevent property damage. • Avoid lost jobs and economic devastation caused by flooding of offices, factories, farms, stores, and other businesses. • Prevent damage and disruption to roads, schools, public buildings, and other facilities. To earn CRS credit, your community can do things like • Preserve open space in the floodplain • Enforce higher standards for safer new development • Maintain drainage systems • Inform people about flood hazards, flood insurance, and how to reduce flood damage. Your community is probably already doing many of these things. To get credit, you simply prepare an application showing what's being done. Once the information is verified, FEMA provides the flood insurance premium discounts. The amount of your discount depends on what your community does. Where to start • Read the Introduction section on pages 1-3 for an overview of the CRS. • Contact your ISO/CRS Specialist(see Appendix C on page 53). He or she can tell you what credit is automatically provided in your state and answer all your questions. • Read pages 4-9 on the application procedures and prerequisites. • Pick those activities on pages 10-43 that your community is implementing now. Just spend your time on what will give you the 500 points needed for the application. Your ISO/CRS Specialist can help you with the other activities during the verification visit. CRS Application i Edition: 2002 • • 100 INTRODUCTION Background: Communities that regulate new development in their floodplains are able to join the National Flood Insurance Program (NFIP). In return, the NFIP provides federally backed flood insurance for properties in participating communities. Today, over CRS Classifications 19,000 communities are in the NFIP and there are over 4.5 million policies in effect. Credit Points CRS Premium Class Discount The Community Rating System (CRS) is a 4,500+ 1 45% part of the NFIP. The CRS reduces flood 4,000-4,499 2 40% insurance premiums to reflect what a 3,500-3,999 3 35% community does above and beyond the NFIP's minimum standards for floodplain 3,000-3,499 4 30% regulation. The objective of the CRS is to 2,500-2,999 5 25% reward communities for what they are doing, 2,000-2,499 6 20% as well as to provide an incentive for new 1,500-1,999 7 15% flood protection activities. The reduction in 1,000-1,499 8 10% flood insurance premium rates is provided 500-999 9 5% according to a community's CRS 0-49g 10 0 classification, as shown in the chart. SFHA(Zones A,AE, A1—A30, V, V1—V30, AO, and Community participation in the CRS is AH): Credit varies depending on class. VOLUNTARY. To date, over 900 communities SFHA(Zones A99, AR, AR/A,AR/AE, AR/A1—A30, are participating as CRS Class 9 or better. AR/AH, and.AR/AO): 10% credit for Classes 1-6; 5% credit for Classes 7-9. The rating formulas, verification procedures, credit criteria, and documentation requirements Non-SFHA(Zones B, C, X, D): 10% credit for Classes are described in more detail in the CRS 1-6; 5%credit for Classes 7-9. Coordinator's Manual. This CRS Application Preferred Risk Policies are not eligible for CRS discusses only the procedures, scoring, and premium discounts. documentation that is needed for an initial application. Application: To apply, a community submits documentation that shows what it is doing and that its activities deserve at least 500 points. The documentation is attached to the appropriate worksheet pages in this CRS Applica- tion. Terminology: All CRS publications use the The application is submitted to the following terms and acronyms: ISO/CRS Specialist (see page 53). The ISO/CRS Specialist: The person who reviews and ISO/CRS Specialist is an employee of the verifies your application, and is also available to Insurance Services Office,Inc. (ISO).ISO help you with questions on these materials. works on behalf of the Federal Emergency Management Agency (FEMA) and the FIRM: Flood Insurance Rate Map, published by insurance companies to review CRS FEMA and provided to communities. applications, verify the communities' SFHA or Special Flood Hazard Area: The credit points, and perform program floodplain delineated on the FIRM as A Zones. improvement tasks. CEO or Chief Executive Officer: The mayor, county board chair, city manager, or other person of equivalent position. CRS Application 1 Edition: 2002 • • - The Coordinator's Manual and the ISO/CRS Specialist will explain additional materials that are needed for the verification visit and that are submitted annually to document continued implementation of the activities. Some of the activities may appear to have relatively low scores. This CRS Application intentionally provides lower credit points for the more complicated activities where it is difficult to communicate the CRS credit criteria. The ISO/CRS Specialist or a technical reviewer will calculate the correct verified score based on the documentation submitted. You are encouraged to review the more detailed credit criteria in the CRS Coordinator's Manual before you submit your application. No fee is charged for a community to ; apply for participation in the CRS. All 1 ; CRS publications and software are . ,, available at no cost by using the order form on page 49. Verification: The ISO/CRS Specialist # °}�� - ,K.', ,� reviews the community's application a " documents on behalf of FEMA to confirm ' . ' , ,9: '', that there are enough credit points to ° -- ` warrant a Class 9 or better. If there are, a ' verification visit is scheduled. During the -,c visit, the community's floodplain management program is reviewed in detail *...� �� � to provide all possible CRS points. The The community's program is reviewed by the program is verified both in the office and ISO/CRS Specialist during the verification visit. in the field. ISO submits the findings to FEMA. FEMA sets the credit to be granted and notifies the community, the state, insurance companies, and other appropriate parties. The community's CRS classification takes effect on either May 1 or October 1. Recertification: Each year the community must recertify that it is continuing to perform the activities that are being credited by the CRS. Recertification is an annual activity that includes copies of projects conducted during the year, progress reports, and similar items that document continued implementation of the credited activities. At least once every five years, the community must also verify its program again. Community Responsibilities: As part of its application,the community's Chief Executive Officer (CEO) must designate a staff person as the CRS Coordinator. The Coordinator is the point of contact for FEMA and the ISO/CRS Specialist on CRS matters. Specifically, a community is responsible for: The CRS Coordinator should be • designating its CRS Coordinator, someone familiar with the operation • cooperating with the ISO/CRS Specialist and the of all community departments that verification procedures, implement the credited activities. • continuing to implement its credited activities, • recertifying each year that it is continuing to implement its activities, CRS Application 2 Edition: 2002 • 0 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY COMMUNITY NAME CRS CURRENT CURRENT %DISCOUNT %DISCOUNT STATUS3 NUMBER ENTRY EFFECTIVE CLASS FOR FOR DATE DATE SFHA1 NON-SFHA2 Tennessee (continued) 470184 Kingsport, City of 10/1/92 10/1/97 10 0 0 R 475433 Knox County 10/1/02 10/1/02 9 5 5 C 475434 Knoxville, City of 10/1/92 10/1/92 9 5 5 C 470070 Morristown, City of 10/1/92 10/1/93 10 0 0 R 470040 Nashville, City of& Davidson 10/1/91 10/1/91 9 5 5 C 470100 Ripley, Town of 10/1/91 10/1/96 10 0 0 R 475448 Spring City, Town of 10/1/92 10/1/97 10 0 0 R Texas 485454 Arlington, City of 10/1/91 10/1/91 9 5 5 C 480624 Austin, City of 10/1/91 10/1/99 8 10 5 C 485456 Baytown, City of 10/1/91 10/1/01 7 15 5 C 480289 Bellaire, City of 10/1/93 10/1/93 9 5 5 C 480586 Benbrook, City of 10/1/91 10/1/02 7 15 5 C 480082 Bryan, City of 10/1/95 10/1/95 9 5 5 C 485459 Burleson, City of 10/1/91 10/1/91 9 5 5 C 480167 Carrollton, City of 10/1/91 10/1/01 7 15 5 C 485462 Cleburne, City of 10/1/92 10/1/92 9 5 5 C 480484 Conroe, City of 10/1/92 05/1/02 7 15 5 C • 480170 Coppell, City of 10/1/93 10/1/03 8 10 5 C 485464 Corpus Christi, City of 10/1/91 10/1/91 9 5 5 C 480171 Dallas, City of 10/1/91 05/1/02 7 15 5 C 480291 Deer Park, City of 10/1/00 10/1/00 9 5 5 C 480774 Denton County 10/1/92 10/1/93 10 0 0 R 480194 Denton, City of 10/1/91 10/1/01 8 10 5 C 480173 Duncanville, City of 10/1/91 10/1/01 8 10 5 C 480214 El Paso, City of 10/1/91 10/1/91 9 5 5 C • 485468 Friendswood, City of 10/1/91 10/1/03 5 25 10 C 485471 Garland, City of 10/1/91 10/1/97 7 15 5 C 485472 Grand Prairie, City of 10/1/91 10/1/93 8 10 5 C 480296 Houston, City of 05/1/02 05/1/02 8 10 5 C 480601 Hurst, City of 10/1/92 10/1/02 8 10 5 C 485481 Kemah, City of 10/1/92 10/1/00 5 25 10 C 485487 LaPorte, City of 10/1/99 10/1/99 8 10 5 C 485488 League City, City of 10/1/92 10/1/92 9 5 5 C 480195 Lewisville, City of 10/1/91 10/1/96 7 15 5 C 480452 Lubbock, City of 10/1/92 10/1/93 8 10 5 C 480477 Midland, City of 10/1/92 10/1/94 8 10 5 C 485491 Nassau Bay, City of 10/1/92 10/1/94 8 10 5 C 480607 North Richland Hills, City of 10/1/91 10/1/99 7 15 5 C 480206 Odessa, City of 10/1/92 10/1/02 8 10 5 C 480307 Pasadena, City of 10/1/91 10/1/92 10 0 0 R • 480140 Plano, City of 10/1/92 10/1/03 6 20 10 C 485499 Port Arthur, City of 10/1/91 10/1/91 9 5 5 C 480184 Richardson, City of 10/1/91 10/1/97 8 10 5 C 485505 San Marcos, City of 10/1/92 10/1/02 7 15 5 C _ 'For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2lncrease in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 25 October 1, 2003 • • COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY COMMUNITY NAME CRS CURRENT CURRENT %DISCOUNT %DISCOUNT STATUS3 NUMBER ENTRY EFFECTIVE CLASS FOR FOR DATE DATE SFHA1 NON-SFHA2 Texas (continued) 485507 Seabrook, City of 10/1/02 10/1/02 9 5 5 C 480502 Sweetwater, City of 10/1/91 10/1/91 9 5 5 C 485513 Taylor Lake Village, City of 10/1/96 05/1/02 8 10 5 C 481585 Tiki Island, Village of 10/1/01 10/1/01 9 5 5 C 480662 Wichita Falls, City of 10/1/91 10/1/91 9 5 5 C Utah 490039 Bountiful, City of 10/1/91 10/1/91 9 5 5 C 490074 Cedar City, City of 10/1/94 10/1/96 10 0 0 R 490040 Centerville, City of 05/1/02 05/1/02 9 5 5 C m 490019 Logan, City of 10/1/93 10/1/03 8 10 5 C 490072 Moab, City of 04/1/01 04/1/01 9 5 5 C 490214 North Ogden, City of 10/1/93 05/1/03 8 10 5 C • 490216 Orem, City of 10/1/93 10/1/03 8 10 5 C 490159 Provo, City of 10/1/91 10/1/96 8 10 5 C 490178 Santa Clara, Town of 10/1/95 10/1/95 9 5 5 C 490177 St. George, City of 10/1/94 10/1/95 8 10 5 C 490052 West Bountiful, City of 10/1/96 10/1/96 9 5 5 C Vermont 500013 Bennington, Town of 10/1/93 10/1/93 9 5 5 C 500126 Brattleboro, Town of 10/1/91 10/1/91 9 5 5 C 505518 Montpelier, City of 10/1/98 10/1/98 9 5 5 C Virginia 510001 Accomack County 10/1/92 10/1/96 8 10 5 C 515519 Alexandria, City of 10/1/92 10/1/02 8 10 5 C 515520 Arlington County 10/1/92 10/1/92 9 5 5 C 510134 Bridgewater, Town of 10/1/96 10/1/96 9 5 5 C I 510002 Chincoteague, City of 10/1/00 10/1/03 8 10 5 C 515525 Fairfax County 10/1/93 10/1/03 8 10 5 C 510071 Gloucester County 10/1/95 10/1/95 9 5 5 C 510201 James City County 10/1/92 10/1/92 9 5 5 C 510090 Loudoun County 10/1/92 05/1/03 10 0 0 R 510104 Norfolk, City of 10/1/92 10/1/92 9 5 5 C 510183 Poquoson, City of 10/1/92 10/1/97 9 5 5 C 515529 Portsmouth, City of 10/1/92 10/1/00 9 5 5 C 510119 Prince William County 10/1/96 10/1/01 8 10 5 C 510190 Roanoke County 10/1/91 10/1/91 9 5 5 C 510130 Roanoke, City of 10/1/96 05/1/03 8 10 5 C 510053 Vienna, Town of 10/1/96 10/1/96 9 5 5 C 510005 Wachapreague, Town of 10/1/96 10/1/96 9 5 5 C Washington 530073 Auburn, City of 10/1/92 05/1/02 7 15 5 C 530074 Bellevue, City of 10/1/92 10/1/00 6 20 10 C 'For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2lncrease in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 26 October 1, 2003 ID • COMMUNITY CLASSIFICATION PLANTS There are 10 community classes in the Community Rating System. Class 1 communities have the largest premium credit; residents of Class 10 communities receive no premium credit. Communities that do not apply for CRS classification are Class 10 communities. The insurance premium credit is based on whether a property is in or out of the Special Flood Hazard Area(SFHA), i.e., the A and V Zones as shown on the community's Flood Insurance Rate Map (FIRM). The premium credit for properties in the SFHA increases according to the community's CRS class. The credit for properties outside the SFHA is lower for Class 1-8 communities because premiums in these areas are already relatively low and can be lowered further through the Preferred Risk Policy. Also, most activities undertaken to qualify for those classes are implemented only in the floodplain. Because areas designated as A99 and AR Zones already receive an insurance premium reduction, these zones get the same premium reduction as non-SFHA areas. A community's classification is based on the community total points (cT) as calculated on activity worksheet AW-720. The qualifying community total points, CRS classes, and flood insurance premium credits are shown below: Credit Points (cT) CRS Class Premium Discount 4,500+ 1 45% 4,000-4,499 2 40% 3,500-3,999 3 35% 3,000-3,499 4 30% 2,500-2,999 5 25% 2,000-2,499 6 20% 1,500-1,999 7 15% 1,000-1,499 8 10% 500-999 9 5% 0-499 10 0 SFHA (Zones A, AE, A1—A30, V, V1—V30, AO, and AH): Credit varies depending on class. SFHA (Zones A99, AR, AR/A, AR/AE, AR/A1—A30, AR/AH, and AR/AO): 10% credit for Classes 1-6; 5% credit for Classes 7-9. Non-SFHA (Zones B, C, X, D): 10% credit for Classes 1-6; 5% credit for Classes 7-9. Preferred Risk Policies are not eligible for CRS premium discounts. The Preferred Risk Policy does not receive premium rate credits under the CRS because it already has a lower premium than other policies. Preferred Risk Policies are available only in B, C, and X Zones for properties that are shown to have a minimal risk of flood damage. Premium reductions are subject to change. 0 Higher Regulatory Standards The following list includes examples of more restrictive requirements that a community may adopt. Although not required, communities are encouraged to adopt more restrictive standards, which would provide additional protection to lives and properties. By adopting these or other higher regulatory standards, the community may qualify for participation in the Community Rating System (CRS). Please refer to CRS Publication (CRS Credit for Higher Regulatory Standards), which can be downloaded at http://www.fema.gov/nfip/crs.htm. Also, another reference on the No Adverse Impacts (NAI) components is the Association of State Floodplain Managers (ASFPM) and its web site http://www.floods.org. • Freeboard -Defined as a factor of safety usually expressed in feet above a flood level i.e.: require elevations to be 2 feet above base flood elevation (BFE) • Protection of critical facilities -Meet 500-year floodplain standards • Protection of floodplain storage capacity -Prohibit fill in the 100-year floodplain • Enclosure limits -Prohibit all enclosures or limit the enclosure area • Mandatory disclosure laws -Require notification that property is located in 100-year floodplain • More strict enforcement of building codes as it relates to the floodplain -As it relates to planning and zoning • Adoption of international building codes -More restrictive floodplain management standards • Zoning requirements -More restrictive floodplain management standards • Higher floodway standards -Designate 100-year floodplain as floodway • Elevation certificate requirement for all new development -Development in Zones B, C, and X • • Lower substantial improvement threshold -More restrictive than the 50% minimum standard • Cumulative substantial improvement/substantial damage -Combination of multiple improvements/damage in reaching certain threshold • Regulate development in the B or shaded X Zones -Mandate 100-year standards in the 500-year floodplain • Adopt no adverse impact on any property from any flooding source -Refer to ASFPM website for NAI components • Enforce all Special Flood Hazard Areas as if they were floodways -Refer to "Higher Floodway Standards" above • Enhance Storm water management plan -Require detention of flood waters, etc. -Specifically prohibit diverting drainage onto neighboring properties -Adopt and enforce a subdivision regulation ordinance -Adopt and enforce a master drainage plan • Regulations for natural and beneficial functions -Restrictions on development in sensitive areas, i.e.: wetlands, riparian areas, shorelines, stream channels, banks, and habitats • Foundation Protection -Require site-specific construction standards • Land development criteria/Open space preservation -Prohibit/limit development in floodplains • Low Density Zoning -Limit development i.e.: no more than one building constructed per acre of floodplain • Allow no variances -Offer no relief to floodplain management standards • Incorporating state-mandated regulatory standards -More restrictive floodplain management standards • Other more restrictive or higher regulatory standards not listed above • Regulations Credited by the CRS Not Related to Minimum NFIP Requirements Regulations credited in Activity 430 (Higher Regulatory Standards): Section 431.b: Requiring that fill and building foundations be designed to protect them from damage due to erosion, scour and settling(FDN). Section 431.e: Requiring that critical facilities, such as hospitals and hazardous materials storage sites,be protected from higher flood levels(PCF). Section 431.f: Maintaining floodplain storage by prohibiting fill or by requiring compensatory storage(PSC). While floodway regulations preserve flood conveyance,they allow the flood fringe to be filled in which can have a significant effect on downstream flood heights. Section 431.g: Prohibiting or regulating developments that can have an adverse impact on public health or water quality,including alterations to shoreline, channels, and banks (NBR). Section 431.i: Implementing other regulations that exceed the minimum requirements of the NFIP Regulations(OHS). Section 431LZ: Zoning to minimize the number of buildings in the floodplain to reduce the damage potential and help maintain flood storage and conveyance capacity(LZ). The NFIP Regulations are oriented toward the more common overbank and coastal flooding. Special hazards regulations ("SH") are requirements tailored to different conditions. They are found in the separate special hazards publications listed in Appendix E. Regulations credited under other activities: Section 341.b: Requiring developers or sellers to publicize or disclose the flood hazard on their properties(ODR). Section 421: Prohibiting new buildings in the floodway,V Zone,or other part of the floodplain to preserve open space (OS). Section 431LD.a: Regulations that encourage preserving floodplain lands as open space. Section 451.a: Requiring new developments to provide retention or detention of their stormwater runoff to minimize the increase in flood flows due to watershed urbanization(SMR). Section 451.e: Requiring erosion and sedimentation control during construction projects to reduce siltation and the resulting loss of channel carrying capacity(ESC). Section 451.f: Requiring developers to implement appropriate "best management practices"that will improve the quality of stormwater runoff(WQ). Section 541.b: Prohibiting dumping or placing debris in stream channels (SDR). Section 631.b: Regulating new developments downstream of dams to protect them from flooding from a dam break (DFR). 8