nfip overview flood risk information system elevation certificate

North Carolina Emergency Management

NFIP OverviewNFIP OverviewFlood Risk Information SystemFlood Risk Information System

Elevation CertificateElevation Certificate

By: Maureen O’Shea, AICP, CFMNFIP Planner

For: Wilmington Regional Association of RealtorsMarch 13, 2013

Example: Elevated HomeExample: Elevated Home

Purposes of the NFIPPurposes of the NFIP

Identify & map flood hazard areasProvide a framework for floodplain

management regulationsMake flood insurance available in

Communities that participate in the NFIP

Effects of Hurricane Floyd on Effects of Hurricane Floyd on NCNC

51 deaths

$3.5 billion in damages to homes, roads, businesses, & infrastructure

31,000 jobs lost

NFIP BackgroundNFIP Background

Prior to the creation of the NFIP in 1968:Flood insurance coverage was not availableNo national flood mapping programNo Federal minimum standards for floodplain managementEscalating costs to taxpayers for flood disaster relief

NFIP GoalsNFIP Goals

Reduce loss of life & loss of propertyReduce rising disaster relief costsIncrease importance of hazard mitigation (flood

resistant construction, guide future development, & prohibit development in floodplains that would increase flood levels)

Restore & protect natural resources & functions of floodplains

Decrease taxpayer-funded disaster costsMake Federally backed insurance coverage available

to property owners

Community Participation in the Community Participation in the NFIPNFIP

To join NFIP, communities must submit:Resolution of intent to “maintain in force…adequate land use & control measures” & to cooperate with FEMATheir adopted floodplain management regulations (often are referenced within zoning ordinances, building codes, subdivision ordinances, sanitary ordinances, or floodplain ordinances)

Role of NFIP Participating Role of NFIP Participating CommunityCommunity

Issuing or denying floodplain development &/or building permits

Inspecting all development to ensure compliance with local ordinances

Maintaining records of floodplain developmentAssisting in preparation & revision of

floodplain mapsHelping residents obtain information on flood

hazards, floodplain map data, flood insurance, & proper construction measures

Sanctions for Non-ParticipationSanctions for Non-Participation

No Federal grants or loans for development in Special Flood Hazard Areas (SFHAs) under Federal programs

No Federal disaster assistance to repair insurable buildings located in SFHAs

No Federal mortgage insurance or loan guarantees in SFHAs

Federally insured or regulated lenders must notify applicants seeking loans in SFHAs that: There is a flood hazard The property is not eligible for Federal disaster

relief

NFIP RegulationsNFIP Regulations

Communities must adopt & enforce ordinances that meet or exceed NFIP criteria

NFIP criteria ensures that new buildings will be protected from flood levels shown on digital FIRM

Over time, stock of pre-FIRM buildings should be replaced with post-FIRM buildings & risk to flooding reduced

Definition: Flood Definition: Flood

A “flood” is defined by the NFIP as “a temporary condition of partial or complete inundation of normally dry land areas from:Overflow of inland or tidal waters orUnusual or rapid accumulation or runoff of surface waters from any source”

Definition: FloodplainDefinition: Floodplain

FloodplainFloodplain

Any land area susceptible to inundation by water from any source

Flood Zone DesignationsFlood Zone Designations

Shaded X is a.k.a. 500-year storm event

Hurricane Irene, Aurora, NCHurricane Irene, Aurora, NC

Example: Elevated Modular Example: Elevated Modular HomeHome

Biloxi, MS, April 1, 2006 - Beauvoir, the National Historic Landmark home of Jefferson Davis, is one of very few wooden homes still standing in the coastal Mississippi

area after Hurricane Katrina.

Biloxi, Miss., August 19, 2010 - Construction is complete on the Jefferson Davis Home. The house was heavily

damaged by Hurricane Katrina in 2005. FEMA provided grants for the project.

After Hurricane KatrinaAfter Hurricane Katrina

After Elevation & RestorationAfter Elevation & Restoration

Elevation CertificateElevation Certificate

Newest Elevation CertificateNewest Elevation Certificate

New version of the Elevation Certificate (EC) effective August 1, 2013 – July 31, 2015.

Available for download (in both PDF & MS Word format) from FEMA’s website at:

http://www.fema.gov/library/viewRecord.do?id=1383

Verify Regulatory compliance Flood Insurance Policy Rating Support of applications for

map revisions & amendments

NOTE:Data collected on this form is for the construction & utility service to a single STRUCTURE only – not the lot or other improvements.

Elevation Certificate FormElevation Certificate Form

The Community’s EC ReviewThe Community’s EC Review

Community Officials must review EC’s before accepting them.This ensures:

Completeness Reasonableness/Accuracy Compliance

If a problem is found, return to the professional for correction.

Structure will be in violation until proper Finished Construction Elevation Certificate is provided.

Section A Section A (no changes)(no changes)

Sections A1-A3Sections A1-A3

Complete all items, except “For Insurance Company Use”.

A1. Building Owner’s(s’) Name(s)

A2. Building Address - 911 address of building location.

A3. The address is a rural route, enter the lot & block numbers, the tax parcel number, the legal description.

Section A4Section A4

A4. Building Use - residential, non-residential, an addition to an existing residential or non-residential building, an accessory building (e.g., garage), or other type of structure.

Use the Comments area on page 2 or attach additional comments, as needed.

Section A5Section A5

Latitude/Longitude taken at the center of the front of the building.

Decimal degrees: provide coordinates to at least 4 decimal places (e.g., 39.5043°, -110.7585°).

Coordinates must be accurate within 66 feet.

Provide the type of datum used - FEMA prefers the use of NAD 1983.

Sections A6 (a Sections A6 (a changechange))

A6. Attach photographs showing at least the front & rear of the building. Must be in color & measure at least 3”x3”. If split-level or multi-level, side views are also required.

**When applicable photographs must show the foundation with representative examples of the

flood openings or vents.**

Sections A7 (no Sections A7 (no changeschanges))

A7. Enter the building diagram number that best represents the building.

There are 10 building diagrams.

Building Diagram 1ABuilding Diagram 1A

Building Diagram 1BBuilding Diagram 1B

Building Diagram 2Building Diagram 2

Section A8a-bSection A8a-b

For buildings with a crawlspace or enclosure(s):A8.a. Square footage of crawlspace or enclosure(s). Take measurements from the outside.A8.b. Number of permanent flood openings in the crawlspace or enclosure(s) that are no higher than 1.0 foot above the higher of the exterior or interior grade or floor immediately below the opening

Section A8cSection A8c

A8.c. Calculate the total net area of all such permanent flood openings in square inches, excluding any bars, louvers, or other covers of the permanent flood openings.

If the net area cannot be calculated, provide the size of the flood openings without consideration of any covers & indicate in the Comments area the type of cover that

exists in the flood openings.

Section A8dSection A8d

A8.d. Engineered flood openings. Attach a copy of the Individual Engineered Flood Openings Certification or an Evaluation Report issued by the International Code

Council Evaluation Service (ICC ES), if you have it. If the crawlspace or enclosure(s) have no permanent flood openings, or if the openings are not within 1.0 foot above

adjacent grade, enter “0” (zero) in Items A8.b-c.FEMA Technical Bulletin 1: “Openings in Foundation Walls & Walls of

Enclosures”

In Zones A & AE, fully enclosed areas below the lowest floor shall be designed to automatically equalize hydrostatic flood forces on walls by allowing for the entry & exit of floodwaters

To meet this requirement, the openings must be: certified by a registered engineer or architect,

OR meet or exceed the minimum opening

requirements

Standards for ElevationStandards for Elevationon Perimeter Wall Foundationson Perimeter Wall Foundations

Permanent Opening in a Wall that Allows the Free Passage of Water in Both

Directions, AUTOMATICALLY, without Human Intervention.

A Window, a Door, or a Garage Door is NOT Considered an Opening.

Hydrostatic OpeningsHydrostatic Openings

Minimum of two openings on different sides of each enclosed area.

The total net area of all openings must be at least one (1) square inch for each square foot of enclosed area.

The bottom of all required openings shall be no higher than one foot above the adjacent grade at each opening.

Openings may be equipped with screens, louvers, or other “automatic” coverings or devices, provided they permit the automatic flow of floodwaters in both directions.

Minimum Requirements forMinimum Requirements forFoundation OpeningsFoundation Openings

Net area?

1 foot?

This is < 1 foot

This is compliant

Plexiglas cover. This is a violation!!

Spray foam insulation. This is a violation!!

Engineered Openings/VentsEngineered Openings/Vents

Section A9 (Section A9 (no changesno changes))

Same as Section A8, but for garage when the garage is attached to the building.

Sections B1-B9 (Sections B1-B9 (no changesno changes))

B1. Enter name of Community which has permitting jurisdiction.

B4. Enter the 10 digit panel number. B5. Enter the panel suffix (letter following panel number). B6. Enter the date from the FIRM Index Panel. B7. Enter the FIRM panel effective date. B8. Enter the Flood Zone(s) related to the structure. B9. Enter the Base Flood Elevation (BFE) for the structure

to the nearest tenth of a foot.

Section B1-9Section B1-9

Complete the Elevation Certificate on the basis of the FIRM in effect at the time of the certification.

Additional &/or preliminary data may be provided in Comments Section.

Title BlockTitle Block

Community names & CID numbersFIRM Panel Effective Date10-digit Map Number (based on state plane coordinates) & Suffix (letter)

Sections B10-B12Sections B10-B12

B10. Check the box for source of BFE data. These are listed in the order of preference. If the flooding source is riverine, the “FIS Profile” box should be selected.

B11. Check the box for elevation datum used in Item B9. NC maps currently use NAVD 1988.

B12. Indicate whether or not the building is located in a Coastal Barrier Resource System (CRBS) or Otherwise Protected Area (OPA). Enter the designation date & check “CBRS” or “OPA”.

OPA11/16/1991

CBRS10/01/1983

Coastal Barrier Resource Coastal Barrier Resource SystemSystem

Section C Section C

Section C1Section C1

Item C1. The elevations to be entered in this section are based on construction drawings, a building under construction, or finished construction.

Use the Comments area of Section D as needed.

“Finished Construction” is only when all machinery &/or equipment (furnaces, hot water heaters, heat pumps, air conditioners, elevators & their associated equipment) have been installed & the grading around the building is completed.

Section C2Section C2

Enter the Benchmark Utilized. Provide the PID or other unique identifier assigned by the maintainer of the benchmark. For GPS survey, indicate the benchmark used for the base station, the Continuously Operating Reference Stations (CORS) sites used for an On-line Positioning User Service (OPUS) solution (attach the OPUS report), or the name of the Real Time Network used.

Note the Vertical Datum. All elevations for the certificate must use the same datum on which the BFE is based.

Section C2.a-dSection C2.a-d

Items C2.a-c. Enter the building elevations (excluding the attached garage) indicated by the selected building diagram (Item A7).

If there is an attached garage, enter the elevation for top of attached garage slab in Item C2.d.

If any item does not apply to the building, enter “N/A” for not applicable.

Section C2.a-dSection C2.a-d

A field survey is required for Items C2.a-h. For buildings in A zones:

Elevations should be measured at the top of the floor.

For buildings in V zones: Elevation must be measured at the bottom of

the lowest horizontal structural member. For buildings elevated on a crawlspace enter the

elevation of the top of the crawlspace floor in Item C2.a.

Lowest Floor in ZONE Lowest Floor in ZONE A, AEA, AE

The lowest floor is measured at the top of the sub-floor, slab or grade for regulatory & flood insurance purposes

EC References to BOTTOM Floor

Lowest Floor in ZONE V & VE Lowest Floor in ZONE V & VE

*If solid enclosure below BFE as in Diagram 6

Bottom of the lowest horizontal structural member supporting the lowest floor

EC References to BOTTOM Floor

Section C2.eSection C2.e

Enter the lowest platform elevation of the machinery & equipment.

The elevation(s) for machinery & equipment are required in order to rate the building for flood insurance.

Local officials are required to ensure that all machinery & equipment servicing the building are protected from flooding, including ductwork, be documented on the Elevation Certificate.

If the machinery or equipment is mounted to a wall, pile, etc., indicate machinery/equipment type & its location (on floor inside garage, on platform affixed to exterior wall, etc.) in the Comments area.

High Water Mark

Anchored Propane TankAnchored Propane Tank

Properly anchored

Section C2.f-hSection C2.f-h

Item C2.f. Enter the lowest elevation of the ground, sidewalk, or patio slab immediately next to the building.

Item C2.g. Enter the highest elevation of the ground, sidewalk, or patio slab immediately next to the building.

Item C2.h. Enter the lowest grade elevation at the deck support, or stairs.

These measurements must be to the nearest tenth of a foot.

Section D (Section D (changechange))

Original Signature & Seal are required

Section DSection D

Use the Comments section for as needed clarifications, explanations,

Photographs (Photographs (changechange))

At least 2 color photographs, 3” x 3”

Quick EC ReviewQuick EC Review

Form completed by a NC surveyor Surveyor/Engineer is providing data points Community Officials & Flood Insurance

Agents must determine compliance details The locations of elevations such as BFE, HAG

& LAG are determined by building type Color photos (2 minimum), & must show the

foundation with representative examples of the flood openings or vents

Hurricane Irene, Pamlico Hurricane Irene, Pamlico Beach, NCBeach, NC

Hurricane Irene, Aurora, NCHurricane Irene, Aurora, NC

Bolivar Peninsula, TX 10/15/08Bolivar Peninsula, TX 10/15/08

Hurricane Ike 20 ft. storm surge

Gilchrist, TX 8/16/09Gilchrist, TX 8/16/09Hurricane Ike, 20 ft. storm surge;

Town of Gilchrist destroyed; only the stilt homes survived

Hurricane Sandy – Sea Bright Hurricane Sandy – Sea Bright NJNJ

Hurricane Sandy – Mantoloking Hurricane Sandy – Mantoloking NJNJ

Hurricane Sandy - Union Beach NJHurricane Sandy - Union Beach NJ

Hurricane Sandy – Union Beach Hurricane Sandy – Union Beach NJNJ

ResourcesResources

Resources:Flood Insurance Rate Maps

www.ncfloodmaps.com

www.msc.fema.gov

Flood Insurance

www.fema.gov/national-flood-insurance-program

www.floodsmart.gov

www.fema.gov/national-flood-insurance-program/community-rating-system

Contact InformationContact Information

NC Geospatial & Technology Management Office Floodplain Mapping Programwww.ncfloodmaps.com

John Gerber, P.E., CFMState NFIP Coordinator(919) 825-2317John.Gerber@ncdps.gov

Randy Mundt, AICP, CFMCommunity Development Planner III(919) 825-2339Randy.Mundt@ncdps.gov

Maureen O’Shea, AICP, CFMNFIP Planner(252) 565-3206Maureen.OShea@ncdps.gov

Federal Emergency Management Agency1-877-FEMA-MAP

http://www.fema.gov/plan/prevent/fhm/fmc_main.shtm

Questions?

Thank You!

New Tool for New Tool for Flood & Hazard Flood & Hazard

PlanningPlanning

Wilmington Regional Association of RealtorsMarch 13, 2013

Flood Risk Information System(FRIS)

Flood Risk Information System Flood Risk Information System (FRIS)(FRIS)

Older Map versus Digital MapOlder Map versus Digital MapDotey’s Branch in Jacksonville, Dotey’s Branch in Jacksonville,

Digital MapDigital Map2009 NC Statewide DFIRM Panel2009 NC Statewide DFIRM Panel

Ingredients of a DFIRMIngredients of a DFIRM

Base Map Topography

Building Footprints LayerBuilding Footprints LayerReason for Development:To know what portion of the structure is in a flood zone

(e.g.: all in, all out, or partially in),To provide expanded potential for additional hazard assessments.

FRIS DFIRM Map SymbologyFRIS DFIRM Map Symbology

FRIS DFIRM Display FRIS DFIRM Display

FRIS Display View/Print/Map FRIS Display View/Print/Map ExportExport

FRIS Preliminary DFIRM

Coming Attraction: Updated Hazard Coming Attraction: Updated Hazard DataData

NCFMP is currently funded to update 50 counties with new / updated models.

All coastal counties will receive updated models that include new storm surge Still water information. Onslow Co. & Pender Co. ~ 1/2014

Integrated Hazard Risk Integrated Hazard Risk ManagementManagement

(iRisk)

IHRM Scope: Hazard IHRM Scope: Hazard IdentificationIdentification

Riverine floodingDam failure Levee failure Coastal flooding Storm surge from hurricanes Coastal erosionLandslidesEarthquakes

Identifies & displays all natural hazards at different magnitude levels / annual frequency on the parcel,

statewide, & national level for:

Coastal erosionLandslidesEarthquakes Wind (straight line/hurricane) TornadoesWildfireSnow/Ice, HailDrought Sea Level Rise

Current & Intended UsesCurrent & Intended Uses

Vulnerability & Hazard Risk Identification

Loss Estimation

Assistance with Recovery Operations

Enhancements to Floodplain Mapping

FRIS Vulnerability/Risk FRIS Vulnerability/Risk InformationInformation

FRIS Financial FRIS Financial Vulnerability/RiskVulnerability/Risk

FRIS Reduce My RiskFRIS Reduce My Risk

FRIS Produce a FIRMETTEFRIS Produce a FIRMETTE

10 Minute Break10 Minute BreakNC Floodplain Mapping Contacts:

John Gerber, PE, CFMState NFIP Coordinator

(919) 825-2317John.Gerber@ncdps.gov

Randy Mundt, AICP, CFMCommunity Development Planner III

(919) 825-2339Randy.Mundt@ncdps.gov

Maureen O’Shea, AICP, CFMNFIP Planner

(252) 565-3206Maureen.OShea@ncdps.gov

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