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Osceola County Floodplain Program

Osceola County Floodplain Program. Jennifer Nicholson, CFM. Picture credit: Osceola Historical Society. N ational F lood I nsurance P rogram ( NFIP ) through FEMA. Act of 1968 Federal program to purchase flood insurance Agreement between Osceola & FEMA. Flood Insurance Facts:.

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Osceola County Floodplain Program

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  1. Osceola CountyFloodplain Program Jennifer Nicholson, CFM Picture credit: Osceola Historical Society

  2. National Flood Insurance Program (NFIP) through FEMA Act of 1968 Federal program to purchase flood insurance Agreement between Osceola & FEMA

  3. Flood Insurance Facts: • Home owners insurance does not cover flood • Flood insurance is federal • Available to participating jurisdictions • Rates are set by FEMA • Can be purchased through FEMA or FEMA agreements with private companies (WYO’s) • Can be mandatory

  4. Flood Zones: Flood Zones are areas established with a designated risk Everyone lives in a flood zone Osceola Zones: A, AE, Floodway X and X shaded

  5. Read a flood map? • Low – and moderate • Represented on the maps as “X” or “X” shaded • High-risk • Represented on the maps as “A” , “AE” or Floodway

  6. Low Risk – X High Risk - A High Risk - AE Floodway

  7. Flood Zone Definition • Low - moderate risk (X & X shaded) • Potential for flooding • Flood insurance is recommended but not required • High-risk(A & AE) • High potential for flooding • Flood insurance may be required

  8. High Ri$k? High risk requires a flood policy with a mortgage • A – no base flood elevation (+$) • AE – base flood elevation (-$) • Floodway– federally protected, highvelocity & has a base flood elevation (+$)

  9. Floodway: Considered to be a rather dangerous If a home is mapped in a floodway; residents can continue to live there Restrictions in the floodway

  10. Helpful Documents: Floodplain Determination Letter Aerial with floodplain overlay Elevation Certificates Letter of Map Revisions

  11. 48% of Osceola County is zoned in a High Risk Flood Zone. All of the Orange is High Risk!

  12. How is the Risk Determined? A flood study & maps created by FEMA Current maps were created in 2001. Changes are here.

  13. Why new flood hazard maps? Important tools to protect lives & properties Current maps are out of date Digital maps

  14. Timeline: 2001 - Current 2009 - FEMA began studying August 2011 - preliminary maps released 2011- Outreach May 2011 - 40 protests &1 appeal submitted June 2013? - Map adoption

  15. Osceola County’s Changes: Over 10,000 properties affected Flood zones changed Base flood elevations determined & revised

  16. New Maps = New Challenges Building regulations New floodway’s Mandatory flood insurance Flood elevation changes Flood Damage Prevention Ordinance and Building Code Real Estate

  17. For Sale in a Floodplain?: What flood zone is this? LOW RISK www.osceola.org/go/floodplain Call # (407) 742-0200

  18. “I am closing on my house today and I was told the house in the floodplain; can you help me, asap? “ Do not wait till closing to find out the property is in a floodplain and insurance will be required.

  19. Message: Stay informed & keep clients informed. Never use an inadequate data base More information the better Find out flood info pre-closing date Osceola floods, the risk is real

  20. Buenaventura Lakes Area

  21. Pleasant Hill Road

  22. Boggy Creek Area

  23. Canoe Creek Road

  24. Sherwood Forest Area

  25. Flooding in 2011:

  26. Before the 2011 Rain Event:

  27. After the 2011 Rain Event:

  28. FEMA RATES Osceola Community Rating • Reduces flood insurance premiums by 15% • Flood policy direct savings $350,000 annually • Good news!

  29. How to get covered. Calling an insurance agent or Calling FEMA to obtain a policy. # 1-888-379-9531

  30. Resources Osceola County Floodplain Coordinator: Jennifer Nicholson , CFM 407-742-8653 City of Kissimmee Floodplain Coordinator: Larry Clough, P.E. , CFM 407-518-2385 City of St. Cloud Floodplain Coordinator: Kevin Felblinger, P.E., CFM 407-957-7283 For more information on the Floodplain Program, please visit: www.osceola.org www.FEMA.gov www.floodsmart.gov

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