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National Flood Insurance Program Participation and Compliance

National Flood Insurance Program Participation and Compliance. Sue Baker, State Coordinator National Flood Insurance Program State Planning Office. How the NFIP Works. Quid Pro Quo: mutual agreement between the Feds and your community

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National Flood Insurance Program Participation and Compliance

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  1. National Flood Insurance ProgramParticipationandCompliance Sue Baker, State Coordinator National Flood Insurance Program State Planning Office

  2. How the NFIP Works • Quid Pro Quo: mutual agreement between the Feds and your community • Community agrees regulate development in mapped floodplains • In return, federally backed flood insurance is made available • 3 basic parts: Mapping – Insurance - Regulations

  3. Mapping • FEMA has developed and mapped flood hazard data for your community • Flood maps are used as the basis for regulating flood prone development • Insurance agents use them to rate policies • Lenders/federal agencies use them to determine when insurance is mandatory as a loan condition or financial assistance

  4. Insurance • Every building in a participating community is eligible for flood insurance – even buildings outside the mapped floodplain • Premiums are based on construction date • Pre-FIRM vs. Post-FIRM structures • What happens on the regulatory side determines what happens to flood insurance rates over the life of the structure

  5. Regulations • NFIP underwrites flood insurance in communities that adopt and enforce compliant flood regulations • Regulations insure buildings and other development will be protected from flood levels shown on the FIRM • Over time exposure to hazard should be reduced as Pre-FIRM replaced w/ Post-FIRM and substantially improved structures

  6. Joining the NFIP Adopted a Resolution to: • Assist the Administrator in the delineation of the floodplain • Provide information concerning uses and occupancy of the floodplain • Maintain records of floodplain actions

  7. Joining the NFIP (cont) • Cooperation with agencies/firms that seek to study, survey, map and identify SFHA • Notify Administrator of boundary changes • Adopted regulations that meet or exceed the minimum NFIP criteria

  8. The Community Role • Issue or deny flood hazard development/building permits • Inspecting development to assure compliance • Maintain records of floodplain development • Assist in preparation/revision of flood maps • Educate residents: hazard – map data – flood insurance and proper construction

  9. State Role “We’re from the Government, We’re here to help you” • Each Governor selects a State Coordinating Agency: State Planning Office • Roles/activities vary from state to state • Ensure communities have legal authority to adopt and enforce FP regulations • Establish minimum state requirements

  10. State Role (cont) • Provide technical assistance • Collaborate with other agencies on issues that affect the NFIP

  11. Federal Role • 10 Regional Offices: Region I – New England • Assist us – the state coordinating agency • Assess community compliance • Technical Assistance • Help review new flood data and maps • Approve community regulations • Information and training in insurance purchase requirements

  12. Failure to Enforce • New buildings/substantial improvements will still be flood prone • Flood insurance may be expensive • Run the risk of FEMA imposed sanctions

  13. Lions and Tigers and SanctionsOh My! • Reclassification under CRS • Probation: Written notice of deficiencies • 90 days to correct deficiencies or remedy violations • $50 premium on policies sold or renewed • No remediation can mean suspension

  14. Suspension • No flood insurance available No new policies – no renewals • No federal grants or loans Acquisition or construction of buildings HUD – EPA – SBA • No federal disaster assistance on insurable buildings

  15. Mitigation Grant Money • Must have a compliant county mitigation plan • Communities must be part of the plan • Community must belong to the NFIP and be compliant • 1991 ordinance or newer • Ideally more recent adoption • Ordinance changes often based on comments from local officials

  16. How can we help? • Entry into the NFIP • Compliance/updated regulations • Interpretation of regulations • Flood mapping and flood insurance Q • FEMA mitigation publications • Call/e-mail/walk-in if you think we can help

  17. Maine Floodplain Management Program State Planning Office Sue Baker, Coordinator 287-8063 Brigitte Ndikum-Nyada, Planner 287-8932 Diana True, P & R Associate, 287-8052 Joe Young, Mapping Coordinator 287-8051

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