Navigate Up
Sign In
User Login

IndividualStory

Engaging Stakeholders to Help Communicate Impacts of BW-12
Edie Lohmann, Insurance Specialist, FEMA Region IX

In past issues, we have provided updates on the Biggert-Waters Flood Insurance Reform Act of 2012 (BW-12) as well as on FEMA’s R9map.org. In November, FEMA Region IX presented four BW-12 briefings to floodplain administrators and other stakeholders in Southern California (Santa Ana, San Diego) and in Arizona (Phoenix, Tucson). The purpose was to update attendees about the latest changes to the flood insurance program implemented by FEMA due to BW-12, specifically related to Sections 100205 and 100207 (“205” and “207”). A copy of the presentation can be found here. Additional BW-12 briefings are planned for early 2014 and have been approved for one hour of CE credit for CFMs in attendance.   

During each session, there was a discussion about engaging stakeholders to help communicate the impacts of BW-12.  Included in that discussion were example actions that different stakeholders can be prepared to offer to help property owners affected by 205 reduce their risk...and reduce their rate. Actions highlighted for two important stakeholders included:
With the implementation of Section 205, more questions are being raised about Elevation Certificates.  To refresh your knowledge, watch the NFIP Trainer’s series of short videos called EC Made EZ. And to refresh yourself about BW-12’s Section 205 and 207, watch the FEMA short series starting with the Overview.
  • Insurance Professionals – for their affected clients:
    • Offer advice on how and where to get an Elevation Certificate (EC) completed.
    • Calculate full-risk premiums using the EC (where needed) to help clients know what the annual full risk premium will be.
    • Suggest ways clients can reduce their risk such as add proper venting for enclosures, change to breakaway walls in Zone V, or elevate above the Base Flood Elevation (BFE); and that clients can learn from local community officials what grants may be available to help with those actions.
    • Provide quotes for deductibles high than the standard deductible to show the discounts available (their lender may need to approve higher amounts)
  • Real Estate Professional – for their clients selling or buying pre-FIRM properties in affected high-risk areas or Zone D areas:
    • If buying, learn what the full-risk premium is before applying for a loan as the cost could stop the deal.
    • If selling, know in advance what the full-risk premium is and be prepared to inform interested buyers before they apply for a loan so the cost does not stop the deal.
    • For purchase or sale of any building (pre- or post-FIRM), determine if the area is being remapped and if so, if the flood risk is changing for that property (e.g., increase in BFE; newly mapped into Zone AE; mapped out of Zone AE into Zone X). The premium could change significantly – higher or lower – after the revised map takes effect.
Local floodplain administrators and other community officials are encouraged to reach out to these and other stakeholders to help educate property owners about BW-12 and arm them with the right information. And remember that FEMA continues to add new resources to its Biggert-Waters page, so visit that site on a regular basis to see what has been added. In addition, stakeholders are encouraged to visit the NFIP Training website to register for insurance-related webinars. If you have insurance-related questions, you can email them to FEMA Region IX’s Insurance Specialist, Edie Lohmann, at edith.lohmann@fema.dhs.gov.

 

     

       

       
       

       Coastal Beat Story Archive

       
      collapse Year : 2012 ‎(7)
      <a href='http://www.r9map.org/Pages/EbulletinStory.aspx?storyID=8'>Risk Map Local</a>
      <a href='http://www.r9map.org/Pages/EbulletinStory.aspx?storyID=6'>FEMA Leverages LiDAR</a>
      <a href='http://www.r9map.org/Pages/EbulletinStory.aspx?storyID=14'>FEMA’s CCAMP Studies and Our Coast, Our Future</a>
      <a href='http://www.r9map.org/Pages/EbulletinStory.aspx?storyID=18'>Region IX to Conduct First Flood Risk Review Meeting for CCAMP</a>
      collapse Year : 2013 ‎(19)
      <a href='http://www.r9map.org/Pages/EbulletinStory.aspx?storyID=27'>FEMA Partners with Oceanweather and Scripps Institution of Oceanography to Bring Modeling Expertise to CCAMP OPC Study</a>
      <a href='http://www.r9map.org/Pages/EbulletinStory.aspx?storyID=29'>FEMA Region IX Holds Meetings for the California Coastal Analysis and Mapping Project / Open Pacific Coast Study</a>
      <a href='http://www.r9map.org/Pages/EbulletinStory.aspx?storyID=33'>Primary Frontal Dune Coastal High Hazard Area Mapping Requirements</a>
      <a href='http://www.r9map.org/Pages/EbulletinStory.aspx?storyID=47'>FEMA Holds South Bay Workshop to Kick-off Detailed Analysis in the South Bay Counties</a>
      <a href='http://www.r9map.org/Pages/EbulletinStory.aspx?storyID=50'>Translating Coastal Flood Hazard Modeling Results into Floodplain Mapping</a>
      <a href='http://www.r9map.org/Pages/EbulletinStory.aspx?storyID=60'>Terrain Modeling in FEMA’s California Coastal Flood Studies</a>
      <a href='http://www.r9map.org/Pages/EbulletinStory.aspx?storyID=62'>Join FEMA’s Community Rating System Program Using California’s Statewide Floodplain Management Activities</a>
      <a href='http://www.r9map.org/Pages/EbulletinStory.aspx?storyID=54'>Coastal Flood Processes Along the California Coast</a>
      <a href='http://www.r9map.org/Pages/EbulletinStory.aspx?storyID=56'>FEMA’s Annual Risk Awareness Survey: Findings from Previous Surveys and the Focus for the 2013 Survey</a>
      collapse Year : 2014 ‎(9)
      <a href='http://www.r9map.org/Pages/EbulletinStory.aspx?storyID=64'>E386 Residential Coastal Construction</a>
      <a href='http://www.r9map.org/Pages/EbulletinStory.aspx?storyID=68'>Engaging Stakeholders to Help Communicate Impacts of BW-12</a>
      <a href='http://www.r9map.org/Pages/EbulletinStory.aspx?storyID=70'></a>
      <a href='http://www.r9map.org/Pages/EbulletinStory.aspx?storyID=74'>California Coastal Storm History Part Two – Ventura County</a>
      <a href='http://www.r9map.org/Pages/EbulletinStory.aspx?storyID=76'>Redelineation: What does it mean for me?</a>
      collapse Year : 2015 ‎(2)
      <a href='http://www.r9map.org/Pages/EbulletinStory.aspx?storyID=78'>FEMA increases community access to draft floodplain mapping data </a>
      collapse Year : 2016 ‎(6)
      <a href='http://www.r9map.org/Pages/EbulletinStory.aspx?storyID=85'></a>
      1 - 40Next
       

       Other Stories

       
      expand 
      expand Arizona
      Educating Maricopa County on the Power of Water,
      Discovery Process, Thursday, February 23, 2012
      expand California
      Discovery Process, Thursday, March 1, 2012
      NFIP Substantial Improvement and Substantial Damage Course, Wednesday, August 29, 2012
      Santa Barbara County and Incorporated Areas Countywide Flood Insurance Rate Map,
      FEMA RELEASES PRELIMINARY FLOOD MAPS FOR SOLANO COUNTY , Thursday, January 31, 2013
      Join FEMA’s Community Rating System Program Using California’s Statewide Floodplain Management Activities,
      expand Coastal Studies
      Discovery Process, Tuesday, January 10, 2012
      Betty the Prepared Dog, Saturday, April 28, 2012
      expand Hawaii
      Tsunami: Learning from Experience in Hawaii,
      Public Outreach Meeting for FEMA Flood Insurance Rate Map, Wednesday, August 8, 2012
      expand Nevada
      Clark County Flood Facts,
      expand Region Wide
      Be Prepared for a Flooding Event in your Community Today!,
      Watershed University , Friday, June 1, 2012
      Know Your Line: Be Flood Aware, Thursday, May 2, 2013
      1 - 30 Next
      • The Summary of Map Actions (SOMA) Report: SOMAs Deciphered

        Many community officials and floodplain managers are called upon to review a Summary of Map Actions (SOMA) report, but how familiar are you with this document, and the process of developing it? Did you know that the ability to revise or amend effective Flood Insurance Rate Map (FIRM) panels is always available? Revisions and amendments to flood hazard information may be accomplished through FEMA’s Letter of Map Change (LOMC) process, without having to re-publish the FIRM. When a Flood Insurance Study (FIS) update or restudy requires a revised FIRM panel to be re-published, the existing LOMCs that applied to the old effective FIRM panels are superseded by the newly effective FIRM panels, and LOMCs that have remained valid are revalidated. As part of a map revision, FEMA publishes a Preliminary and Final SOMA report. The SOMA records a complete list of all previously issued LOMCs, and their valid or superseded status, for each community affected by revised FIRM panels. The SOMA assists community officials in maintaining the most up-to-date information on their community’s FIRMs. (Read more…)

        More...
      • Flood Insurance Rate Maps and Flood Insurance Studies: From Preliminary to Effective

        ​FEMA flood hazard maps inform communities about the local flood risk. Flood hazard mapping is an important part of the National Flood Insurance Program (NFIP), as FEMA regulatory products provide the basis for regulating development and determining flood insurance requirements under the NFIP regulations. FEMA maintains and updates regulatory flood hazard data through Flood Insurance Rate Maps (FIRMs) and Flood Insurance Study (FIS) reports.

         
        Following the data acquisition and data development phases of the flood insurance study process, FEMA distributes one set of the preliminary FIRM panels, the preliminary FIS Report, and the preliminary Summary of Map Actions (SOMA) to community CEOs. FEMA also posts PDF versions of the preliminary FIRM panels and FIS Report, as well as the DFIRM database containing the GIS shapefiles, to the Map Service Center (MSC), where they are available for public download. (The preliminary FIRM panels and the preliminary DFIRM database are archived on the MSC when the panels, FIS report, and database become effective.) The steps that follow, referred to as the post-preliminary process, include the public comment and appeal period, community and public meetings, the Letter of Final Determination, and community adoption/compliance requirements. 
         
        From July 2015 through November 2015, FEMA distributed preliminary data to ten coastal counties as part of the Open Pacific Coast Study and three counties as part of the San Francisco Bay Area Coastal Study. For more information about what goes into a flood map, go to this infographic on FEMA’s website. (Read more…)

        More...
      View RSS feed



      Powered by BakerAECOM