JULY 21, 2010

1. NATIONAL FLOOD INSURANCE PROGRAMHARRISONCOUNTY, KENTUCKY PUBLIC MEETING FOR THE PRELIMINARYDIGITAL FLOOD INSURANCE RATE MAPS JULY 21, 2010

2. Welcome & Introduction • FEMA – Region IV • Laura Algeo, PE – Mitigation Division • Nathan Shields – RMC IV • Kentucky Division of Water • Carey Johnson – KY Map Modernization Program Manager • John Lewis, PE – KY Map Modernization Engineer • Chris Hart, CFM – State NFIP Coordinator • Russell Neal – NFIP Specialist • AMEC Earth and Environmental (Mapping Contractor) • Stephen Noe, CFM – Senior Program Manager • Alicia Williams – GIS Specialist, Project Manager • Keld Madsen – GIS Specialist, Project Manager • Dionne Fields, CFM – NFIP Specialist

3. NFIP & Map Modernization Mapping Project Overview Determining Your Flood Risk Letters of Map Change Map Adoption Period Public Comment & Appeals Process Breakout for Questions Meeting Agenda

4. What is the NFIP? The NFIP is a Federal program enabling property owners in participating communities to purchase insurance protection against losses from flooding. Participation in the NFIP is voluntarybased on an agreement between local communities and the federal government that states if a community will adopt and enforce a floodplain management ordinance to reduce future flood risks to new construction, the federal government will make flood insurance available within the community.

5. Publish maps - identify risk Educate the public on their own risk Provide federally-backed flood insurance coverage Encourage development away from flood prone areas Accomplishing NFIP Goals

6. Community Status Flood Insurance Policies, by community • Harrison County – 20 • Cynthiana – 118 • Berry – 0 (Non-Participating) Current Effective Map Date • Harrison County – 11/4/1981 • Cynthiana – 10/15/1981 • Berry – 2/20/1976 (only FHBM, no FIRM)

7. Flood Maps support the National Flood Insurance Program 5-Year Congressionally mandated program to modernize FEMA’s inventory of flood maps Every community in KY has been identified and mapped New digital format improves accuracy, and makes maps easier to use and readily available. Harrison County selected in 2008 for DFIRM production Flood hazard information will be available in GIS format Map Modernization

8. Scoping Basemap Preparation New Approximate Studies Redelineation DFIRM and FIS Production Entering this Phase Project Tasks

9. Scoping Meeting June 17, 2008 Map Production July 2008 to November 2009 Preliminary Map Distribution December 18, 2009 Preliminary DFIRM Community Coordination Meeting February 24, 2010 Will get a 30-day Protest period. Background

10. Harrison Countywide Study Information More than 264 miles of new approximate A zones countywide. City of Cynthiana area

11. Determining Your Flood Risk • Nearly everyone is at risk of flooding • High Risk – identified Zone A, Special Flood Hazard Areas on flood maps Detailed Studies – Zone AE Floodways, 1% annual chance (100-year) and 0.2% annual chance (500-year) flood zones identified Base Flood Elevations (BFEs) provided • Elevation of the 1% annual chance flood Detailed engineering (hydrology and hydraulics) conducted Approximate Studies – Zone A 1% annual chance (100-year) flood zone identified No floodways or BFEs provided Lesser detailed engineering (hydrology and hydraulics) conducted than in detailed studies. • Low Risk – Unshaded Zone X areas on maps

12. Required to purchase flood insurance for federally-backed mortgages If their community participates in the NFIP, you will be required to obtain a permit from the community and possibly the State before you can develop a property or substantially improve or repair your home Please visit with the State NFIP Coordinator for more information High Risk Areas

13. If you have an existing policy rated under a Zone B, C or X rate and the Base Flood Elevation changes so your structure is now located within Zone A, the insured would continue to be rated under the Zone B, C and X rates as long as the coverage remains continuous If you are newly identified in a High Risk area, purchase flood insurance now. Grandfathering Rule

14. Due to scale limitations on FIRM panels and changes in flooding conditions, FEMA has devised an administrative mechanism to revise flood maps that doesn’t require wholesale changes to the panels Letter of Map Amendment (LOMA) Letter of Map Revision Based on Fill (LOMR-F) Letter of Map Revision (LOMR) Conditional Letter of Map Revision (CLOMR) Letters of Map Change

15. LOMCs LOMA Existing Structure Because of scale limitations, some areas may be in the floodplain. LOMR-F Existing Structure

16. Communities sent copies of Preliminary Map, and/or sent location to view on the Web (December 18, 2009) FEMA and partners hold a meeting with the community and public – PDCC Meeting (February 24, 2010) 30-day Protest period opens LFD approximate date is 7/6/2010 Map effective date is scheduled for 1/6/2011 What’s Next?

17. Public Protest Period • 30-day public Protest period • Community submits appeals & protests to FEMA • FEMA resolves all appeals & protests, if received • Protests based on non-technical errors or oversights, cosmetic changes • Upon resolution of appeals and protests, Letter of Final Determination issued to communities indicating date their new map will go into effect

18. Carey Johnson Kentucky Division of Water 200 Fair Oaks Lane Frankfort, KY 40601 502-564-3410 x 4928 carey.johnson@ky.gov Submit Appeals & Protests To:

19. Chris Hart, CFM Kentucky Division of Water 200 Fair Oaks Lane Frankfort, KY 40601 502-564-3410 x. 4906 chris.hart@ky.gov Map Adoption & Ordinance Questions Russell Neal Kentucky Division of Water 200 Fair Oaks Lane Frankfort, KY 40601 502-564-3410 x. 4904 russell.neal@ky.gov

20. Individual Questions Maps NFIP Map Adoption Break Out Session