Presentation made to Binghamton students by Caroline P. Quidort

Presentation made to Binghamton students by Caroline P. Quidort

Caroline P. Quidort, AICP
Chief Planner
February 11, 2013
}
}
The National Flood Insurance Program (NFIP)
is administered by the Federal Emergency
Management Agency (FEMA), which works
closely with private insurance companies to
offer flood insurance to property owners and
renters. In order to qualify for flood
insurance, a community must join the NFIP
and agree to enforce sound floodplain
management standards.
Source: Floodsmart.gov
}
The NFIP, a federal program, offers flood
insurance, which can be purchased through
property and casualty insurance agents. Rates
are set and do not differ from company to
company or agent to agent. These rates
depend on many factors, which include the
date and type of construction of your home,
along with your buildings level of risk.
CID
360038#
}
}
}
Community Name
BINGHAMTON, CITY
Curr Eff Map Date
06/01/77
Chapter 240, FLOOD DAMAGE PREVENTION
[HISTORY: Adopted by the City Council of the City of
Binghamton 4-20-1987 by L.L. No. 5-1987
(Sub-Part LXVI of the 1970 Code). Amendments noted where
applicable.]
}
A. Findings. The City Council of the City of
Binghamton finds that the potential and/or actual
damages from flooding and erosion may be a
problem to the residents of the City of
Binghamton and that such damages may include:
destruction or loss of private and public housing,
damage to public facilities, both publicly and
privately owned, and injury to and loss of human
life. In order to minimize the threat of such
damages and to achieve the purposes and
objectives hereinafter set forth, this chapter is
adopted.
}
B. Statement of purpose. It is the purpose of this chapter to promote the
public health, safety, and general welfare, and to minimize public and
private losses due to flood conditions in specific areas by provisions
designed to:
◦ (1) Regulate uses which are dangerous to health, safety and property due to water or
erosion
◦ hazards, or which result in damaging increases in erosion or in flood heights or
velocities;
◦ (2) Require that uses vulnerable to floods, including facilities which serve such uses,
be
◦ protected against flood damage at the time of initial construction;
◦ (3) Control the alteration of natural floodplains, stream channels, and natural
protective barriers
◦ which are involved in the accommodation of floodwaters;
◦ (4) Control filling, grading, dredging and other development which may increase
erosion or
◦ flood damages;
◦ (5) Regulate the construction of flood barriers which will unnaturally divert
floodwaters or
◦ which may increase flood hazards to other lands; and
◦ (6) Qualify for and maintain participation in the National Flood Insurance Program.
}
C. Objectives. The objectives of this chapter are to:
◦ (1) Protect human life and health;
◦ (2) Minimize expenditure of public money for costly flood control
projects;
◦ (3) Minimize the need for rescue and relief efforts associated with
flooding and generally undertaken at the expense of the general
public;
◦ (4) Minimize prolonged business interruptions;
◦ (5) Minimize damage to public facilities and utilities such as water
and gas mains, electric, telephone, sewer lines, streets and
bridges located in areas of special flood hazard;
◦ (6) Help maintain a stable tax base by providing for the sound use
and development of areas of special flood hazard so as to
minimize future flood blight areas;
◦ (7) Provide that developers are notified that property is in an area
of special flood hazard; and
◦ (8) Ensure that those who occupy the areas of special flood hazard
assume responsibility for their actions.
}
}
It is estimated that in the City of Binghamton, 11387
residents live within the 1% annual chance flood area
(NFIP Special Flood Hazard Area). Of the
municipality's total land area, 18.8% is located within
the 1% annual chance flood area. $1,631,039,145
(17.5%) of the municipality's general building stock
replacement cost value (structure and contents) is
located within the 1% annual chance flood area.
There are 469 NFIP policies in the community and
there are 246 policies located within the 1% annual
chance flood area. FEMA has identified 38 Repetitive
Loss (RL) including 2 Severe Repetitive Loss (SRL)
properties in the municipality.
Municipality
Binghamton (C)
}
}
}
}
#
Policies
(1)
469
# Claims
(Losses) (1)
Total Loss
Payments
(2)
263
$15,987,572
# Rep. Loss
Prop. (1)
# Severe Rep.
Loss Prop.
(1)
# Policies in the
1% Flood
Boundary (3)
# Policies in
the
0.2% Flood
Boundary (3)
# Policies
Outside the
Combined
1% and
0.2% Flood
Boundaries
Hazard
Areas (3)
38
2
246
44
179
Source: FEMA Region 2, 2012
(1) Policies, claims, repetitive loss and severe repetitive loss statistics provided by FEMA Region 2, and
are current as of May 31, 2012. Please note the total number of repetitive loss properties includes the
severe repetitive loss properties. The number of claims represents the number of claims closed by May
31, 2012.
(2) Total building and content losses from the claims file provided by FEMA Region 2.
(3) The policies inside and outside of the flood zones is based on the latitude and longitude provided
by FEMA Region 2 in the policy file. FEMA noted that where there is more than one entry for a property,
there may be more than one policy in force or more than one GIS possibility.
}
}
}
}
}
The National Flood Insurance Program's (NFIP)
Community Rating System (CRS) is a voluntary
incentive program that recognizes and encourages
community floodplain management activities that
exceed the minimum NFIP requirements.
As a result, flood insurance premium rates are
discounted to reflect the reduced flood risk resulting
from the community actions meeting the three goals
of the CRS:
Reduce flood damage to insurable property;
Strengthen and support the insurance aspects of the
NFIP, and
Encourage a comprehensive approach to floodplain
management.
CREDIT POINTS
CLASS
PREMIUM REDUCTION
SFHA*
PREMIUM REDUCTION
NON-SFHA**
4,500+
1
45%
10%
4,000 – 4,499
2
40%
10%
3,500 – 3,999
3
35%
10%
3,000 – 3,499
4
30%
10%
2,500 – 2,999
5
25%
10%
2,000 – 2,499
6
20%
10%
1,500 – 1,999
7
15%
5%
1,000 – 1,499
8
10%
5%
500 – 999
9
5%
5%
0 – 499
10
0
0
*Special Flood Hazard Area
**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. The Preferred Risk Policy does not receive premium rate credits under the CRS because it already has a
lower premium than other policies. The CRS credit for AR and A99 Zones are based on non-Special Flood Hazard Areas
(non-SFHAs) (B, C, and X Zones). Credits are: classes 1-6, 10% and classes 7-9, 5%. Premium reductions are subject to
change.
330 Outreach Projects
Topics to be covered:
1. The local flood hazard.
2. Flood safety.
3. Flood insurance.
4. Property protection measures.
5. Natural and beneficial
floodplain functions.
6. Map of the local flood hazard.
7. The flood warning system.
8. Floodplain development
permit requirements.
9. Substantial improvement
requirements.
10. Drainage system
maintenance.
ACTION
a. EACH YEAR, Outreach projects
to the entire community.
DOCUMENTATION FOR
APPLICATION
POINTS
Up to 40
a. Copies of the notices flyers and
other materials used in the
outreach projects.
Documentation that shows when
the projects are undertaken.
b. EACH YEAR, Outreach projects
to the floodplain properties.
c1. EACH YEAR, Additional
outreach projects.
c2. Alt. to c1. community can
prepare a public information
program strategy.
Up to 100
Up to 60
100
350 Flood Protection Information
ACTION
DOCUMENTATION FOR
APPLICATION
copy of communities FIRM and
Flood Boundary and Floodway Map
and an explanation of their use
documents on flood insurance
documents on protecting a building
from flood damage
Library prereqs:
a. public library most accessible
b. documents must be entered into
the library's card catalog
documents on floodplain
management or flood hazard
mitigation
documents on the natural and
beneficial functions of floodplains
up-to-date directory of addresses
and telephone numbers of local
agencies to provide more info.
POINTS
4
Statement from the head of the
library stating:
a. list of documents available in the
library with their publication dates
b. certification that the documents
have been entered into the card
catalog or similar indexing system
(or printout)
c. certification that the library will
maintain adequate numbers of the
documents to meet the demand
and that the FIRM and other
material will be kept up to date.
2
8
3
3
3
documents on special hazards that
affect the community
2
Each document in the library that
specifically addresses conditions in
your community.
1 per, up to 5
350 Flood Protection Information
Website prereqs:
a. site must be easy to locate by its internet
address
b. link to the flood protection info must be clearly
noted on home page
c. provide links to other pertinent websites
d. must include a link to FEMA's website
e. site must be reviewed and updated at least
once a year
ACTION
DOCUMENTATION FOR
APPLICATION
POINTS
discussing the local flood hazard
3
flood safety
3
covering flood insurance
3
covering property protection measures
3
discussing natural/beneficial functions
3
including a map of the local flood hazard
3
describing the local flood warning system
3
discussing floodplain development permit
requirements
3
explaining the substantial improvement/damage
requirements
3
explaining drainage system maintenance
3
publicizing that the community has copies of
elevation certificates
2
providing real-time river gage data for site that
affect the community
7
other flood warning information (if credited for
Activity 610)
10