Introduction to the NFIP’sIntroduction to the NFIP’s COMMUNITY … · 2017. 1. 30. ·...
Transcript of Introduction to the NFIP’sIntroduction to the NFIP’s COMMUNITY … · 2017. 1. 30. ·...
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Introduction to the NFIP’sIntroduction to the NFIP’s
COMMUNITY RATING SYSTEM
(CRS)(CRS)
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WHO AM I ?Tom Brett, CFM
ISO/CRS SpecialistInsurance Services Office, Inc.,
1327 Old Meadow RoadPittsburgh, PA 15241
Phone / FAX (412) 221 4679Phone / FAX (412) 221-4679
----------------------------------------------ANOTHER SOURCE OF INFORMATIONANOTHER SOURCE OF INFORMATION
Community Rating System Resource Center:
htt //t i i f /EMIW b/CRS/http://training.fema.gov/EMIWeb/CRS/
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CRS ObjectivesCRS Objectives
• Reduce flood lossesReduce flood losses– Public health and safety
Buildings and contents– Buildings and contents– Prevent increases from new construction
Erosion damage– Erosion damage– Natural and beneficial functions
• Facilitate accurate NFIP rating• Promote awareness of flood insurance
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CRS CommunitiesCRS Communities
• >1000 communities1000 communities• 66% of NFIP policies
CRS Communities by Region
IIIIX
XII
III
VII
VIII
IX
V
VI
IVV
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THE CRS DISCOUNT FOR THE CRS DISCOUNT FOR NFIP INSURANCENFIP INSURANCE
• Discount on Premium Only, Not entire Policy.Discount on Premium Only, Not entire Policy.• CRS Class Improvement for Each 500 CRS
Points.• 5% - 45% Discount per Class for SFHA Policies.• 5% - 10% Discount for X-Zone Policies for all5% 10% Discount for X Zone Policies for all
Classes 9 and better.
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WHO SHOULD APPLY?WHO SHOULD APPLY?WHO SHOULD APPLY?WHO SHOULD APPLY?• A Community in Good Standing in the NFIP.A Community in Good Standing in the NFIP.
• Floodplain Management Program which Exceeds p g gthe Minimum NFIP Standards.
• Want to Strengthen Your Floodplain Management Program.
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How the CRS WorksHow the CRS Works
• A community applies for CRS ratingA community applies for CRS rating• Rating depends on the activities
implemented in the communityimplemented in the community• Activities must exceed NFIP minimum
i trequirements• Community activities are constantly
verified
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Steps to ApplySteps to Apply• Obtain application information from your
FEMA Region.FEMA Region.• Fill out the Application Documents.
S b it th A li ti t ISO/CRS• Submit the Application to your ISO/CRS Specialist.
• ISO will verify your credit:– Review of documentation you submit– Visit to your community to verify other
thingsMODIFICATION / RECERTIFICATION
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CRS Application CRS Application PrerequisitesPrerequisites
Must be in Regular Phase of NFIP for atMust be in Regular Phase of NFIP for at least 1 year.
Must be in “Compliance“Compliance” and in good standing with minimum requirements ofstanding with minimum requirements of the NFIP.
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CRS ActivitiesCRS ActivitiesCRS ActivitiesCRS Activities
• Four Series of CRS Activities:Four Series of CRS Activities:– Public Information Activities (6)
Mapping and Regulatory Activities (5)– Mapping and Regulatory Activities (5)– Flood Damage Reduction Activities (4)
Flood Preparedness Activities (3)– Flood Preparedness Activities (3)
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Who Performs CRS Activities?Who Performs CRS Activities?Who Performs CRS Activities?Who Performs CRS Activities?
• Generally the community gets CRS creditGenerally, the community gets CRS credit if the activity is done effectively in the communitycommunity– - County
State– - State– - Special districts
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ELEVATION CERTIFICATES
Activity 310 Documentation
M i t i i f llMaintain copies of all completed certificates.
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501 Repetitive Loss Areas
• Repetitive Losses• Repetitive LossesInsured buildingsNFIP paid > $1,000> 2 times> 2 times Over 10 year periodSince 1978
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501 Repetitive Loss Areas
• 502 Repetitive Loss CategoryAfter correcting and updating:
A: No repetitive loss propertiesN i tNo requirements
B: 1 – 9 repetitive loss propertiesOutreach projectOutreach project
C: 10+ repetitive loss propertiesOutreach project and 510 planp j p
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Section 503R titi L A O t hRepetitive Loss Area Outreach
A map with the Repetitive Loss AREAS identifiedAREAS identified.A description of Repetitive Losses.A copy of the outreach project sent annually to Repetitive Loss AREAS..
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510 Floodplain Management Planning 510 Floodplain Management Planning g gg g(Mandatory for Category C Repetitive Loss Areas)
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320 Map Information320 Map Information
• Map Information -p(140 points)
C dit i i d f• Credit is assigned for providing inquirers information from the
it ’ Fl dcommunity’s Flood Insurance Rate Map
• Requires annual publicity
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Activity 330Activity 330 -- Outreach ProjectsOutreach ProjectsActivity 330 Activity 330 Outreach ProjectsOutreach Projects
• Credit for TopicsCredit for Topics (max. 315 points)
– Flood Hazard – MapFlood Hazard – Flood Safety– Flood Insurance
– Flood Warning– Permit Requirements
S– Property Protection– Natural and Beneficial
F ti
– Substantial Improvements
– Drainage SystemFunctions Drainage System Maintenance
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330 – example pamphlet
E l
330 example pamphlet
Example –provided by Fl dFlood Control
Di t i tDistrict
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340 Hazard Disclosure340 Hazard Disclosure340 Hazard Disclosure340 Hazard Disclosure(max. 81 points)(max. 81 points)
- voluntarily by Real Estate agentsg
or- by lawby law
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350 Flood Protection Information350 Flood Protection Information350 Flood Protection Information 350 Flood Protection Information
FIRMS
Public Library (max. 30 points)- FIRMS- Flood Insurance
P t P t ti- Property Protection- Floodplain
tmanagement - Natural and Beneficial
f ti f thfunctions of the floodplain
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350 Flood Protection Information350 Flood Protection InformationCommunity Web Site (WEB) (max. 36 points) - Outreach Topics
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360 Flood Protection Assistance 360 Flood Protection Assistance (max. 71 points)
• Credit is provided if a pcommunity provides technical advice to interested propertyinterested property owners
• Credit is dependent upon the service being publicizedpublicized
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410 Additional Flood Data(max 1373 points)(max. 1373 points)
AE/A# Zones w/BFEA Zones w/o BFEA Zones w/o BFE
X Zones w/o Floodplain
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420 Open Space Preservation420 Open Space Preservation
Public land in the SFHAPublic land in the SFHAAlso credit for deed restrictions,Natural and Beneficial functionsNatural and Beneficial functions
(max. 900 points)
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430 430 -- HIGHER REGULATORY HIGHER REGULATORY STANDARDSSTANDARDSSTANDARDSSTANDARDS
(max. 2720 points)(max. 2720 points)
• Freeboard • Enclosure limits• Foundation protection• Cumulative substantial
Enclosure limits• Other higher standards• Low density zoning
improvements• Lower substantial
improvements
y g• Special hazards
regulationsSt t d t dimprovements
• Critical facilities• Storage capacity
• State-mandated standards
• Building code and staffingg p y• Natural and beneficial
functions regulations
Building code and staffing
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430 Higher Regulatory Standardsg g yFreeboard –100 i t100 points per foot
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430 Higher Regulatory Standards
Staffing – STFgCertified Floodplain Managers Graduate of EMI NFIP ClassesGraduate of EMI NFIP Classes
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440 Flood Data Maintenance440 Flood Data Maintenance(max. 231 points)
AMD - Additional Map Datap
Thi l di• This element credits digital or paper systems thatsystems that improve access, quality and/or easequality and/or ease of updating flood and FIRM data
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450 Stormwater ManagementErosion Control
Best Management Practices(max. 670 points)
• Think watershed
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520 Acquisition and Relocation520 Acquisition and Relocation520 Acquisition and Relocation520 Acquisition and Relocation
(max. 3200 points)
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530 Flood Protection 530 Flood Protection (max 2800 points)(max 2800 points)(max. 2800 points)(max. 2800 points)
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540 Drainage System 540 Drainage System Maintenance Maintenance (max. 330 points)(max. 330 points)
-- maintainingmaintaininggg--capital improvementscapital improvements
-- stream dumping regulationstream dumping regulation
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610 Flood Warning610 Flood Warning610 Flood Warning610 Flood Warning- Flood recognitiong
system- Emergency warningg y g
dissemination- Other response
efforts- Critical facilities
planning (max. 225 points)
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620 Levee Safety620 Levee Safety620 Levee Safety620 Levee Safety- Constructed beforeConstructed before
1991- Less than Base
Floodprotectionp
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630 Dam Safety630 Dam Safety
M l d 75 tMaryland = 75 pts.