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Karol L. Grove Licensed Professional Surveyor Certified Floodplain Manager

You are about to go from…

SURVEYOR

to

SUPERHERO!!!

Get ready to think outside of the box….

Get ready to think about flood zones andflood insurance in a whole new light…..

Think about everything you think youknow about Flood Zones & ElevationCertificates...

Now forget it all for the next few hours!!

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WHY?

SITE PLAN

40, 0 SQ, FT,RESERVE Flru)

0 M SJONS0HOME

G-5

IPARGEL0-3

WES,T 1/ COOMER:s .c 4, TJN. RJr:1HANDYT01M\15r!IP,LIVINGSTON cou· TY,MICIGAN

------------N8'9'"4J'5' "'E ........ - - - - - - - - - - - - - - - - - - - - - - - -1

_- H O _g I - - . , _ , - - -

, \ 8,!,-::-:t-:-_----

O-_-r -..:=-3::0.=;U--;;-; - -- - - .._.. 6n,g,agi"45''5 W

lJ.. = 15 37'3i'"R = 2 0;00'L !!!!1 62, 2'cti°= .S8 2.':27'19E

162.55''

1 = - -- - -

------- ·-

• Hr J i 1 1"R = 2.30.00'L == 62.72 1

C = SBZ"'27'1'9'"E62.5 11

,·,8lI

EMff-WEST1/4 LINE SECTION4

LEG:ENDD = SET 1/2.. STEa RiEROD 'lllH

CAF'1 JK'S 35999:

• .:::;; FOUND CORN R IMlrRl<iER

N

' \

'IIIrI

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SITE PLAN

40, 0 SQ, FT,RESERVE Flru)

0 M SJONS0HOME

G-5

IPARGEL0-3

WES,T 1/ COOMER:s .c 4, TJN. RJr:1HANDYT01M\15r!IP,LIVINGSTON cou· TY,MICIGAN

------------N8'9'"4J'5' "'E ........ - - - - - - - - - - - - - - - - - - - - - - - -1

_- H O _g I - - . , _ , - - -

, \ 8,!,-::-:t-:-_----

O-_-r -..:=-3::0.=;U--;;-; - -- - - .._.. 6n,g,agi"45''5 W

lJ.. = 15 37'3i'"R = 2 0;00'L !!!!1 62, 2'cti°= .S8 2.':27'19E

162.55''

1 = - -- - -

------- ·-

• Hr J i 1 1"R = 2.30.00'L == 62.72 1

C = SBZ"'27'1'9'"E62.5 11

,·,8lI

EMff-WEST1/4 LINE SECTION4

LEG:ENDD = SET 1/2.. STEa RiEROD 'lllH

CAF'1 JK'S 35999:

• .:::;; FOUND CORN R IMlrRl<iER

N

' \

'IIIrI

Elevation Certificate

• No longer the Animal it used to be…

• When are they needed???

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FLOOD MAPS…USA

NEW FLOOD MAPS……61 COUNTIES

72 COUNTIES…WISCONSIN

Counties without updated maps

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NEW FLOOD MAPS……61 COUNTIES

New Flood Maps

How accurate are they?

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What YOU will need to know:

SURVEYORS / FLOOD ZONES

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Field Procedures….what YOU will need to know:

FLOOD ZONES - PART 1

FLOOD ZONES - PART 2 (continued)

FLOOD ZONES - PART 2 (continued)

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2013 Downtown Grand Rapids

2013 Downtown Grand Rapids

FLOOD MAPS…COLUMBUS AREA

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• •

What is a Flood Zone?

100 year or 1%

Zone AE, A1-A30,A AO, AH, V, VE

Base Flood Zone

• 100 year flood zone

• 1% flood zone

• Special flood zone hazard area

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Most Common Types of Flood Zones

• Zone AE, A1-A30 (Studied Area)

• Zone A (Non-Studied Area)

• Zone AO & AH (Elevation Not Determined)

• Zone V (BFE Unknown) or VE (BFE Known)

• Zone X shaded or Zone B (100 yr to 500 yr)

• Zone X un-shaded or Zone C (greater than 500 yr)

Floodway:

• Area of moving water

• High hazard area

• Needed to carry flood waters

• “Highway for the water”

New Maps / Flood Zones / Floodways

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Let me tell you a FLOODWAY story...

History…..FLOOD MAPS

1968 National Flood Insurance Act

1970 Wisconsin (1st FIRM)

1973 Flood Disaster Protection Act

1986 FEMA Community Probation Procedures

1994 National Flood Insurance Reform Act

2004 Flood Insurance Reform Act

2005 Katrina

2006 Beginning of New Flood Maps

2012 Biggert Waters Act (2014 Affordability Act)

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Elevation Certificate

• No longer the Animal it used to be…

• When are they needed???

LETTER OF MAP AMENDMENT

LOMA

???????

1. Electronic LOMA / eLOMA2. On-Line LOMC3. “Out as Shown” LOMA4. LOMR-F5. CLOMA & CLOMR-F

LOMA Types

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eLOMA vs. On-Line LOMC• Single or Multiple

Structures (w/BFE)• Single or Multiple

Parcels (w/BFE)• Zone A-Stillwater

(w/BFE)• Zone A with BFE

known• Out As Shown• Floodway

• Condominium Unit (multi-owners)

• Zone A - BFE Unknown

• Fill LOMR-F

LETTER OF MAP AMENDMENT (LOMA)

ELEVATION CERTIFICATE

PLAN B

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People are losing their homes due to the high cost of flood premiums!

YIKES!

History….FLOOD MAPS

FIRMs Are Not “Set In Stone”

Processes Available To Correct Or Change A Federal Insurance Rate Map (FIRM):

Letter of Map Amendment (LOMA)

Letter of Map Revision based on fill (LOMR-F)

Physical Map Revision

Shooting the Structure

Checking the LAG

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Would this house qualify for aLOMA application?

Establishing the BFE AE, A1-A30 Zone

Not the FIRM

FLOOD INSURANCE STUDY (FIS)

THE FLOOD

INSURANCE STUDY(FIS)

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- _e

j

j _

inal O >Y .L..:-C- l .Li-'-""

w VU. s"'-''-"'

1

j

b

Establishing the BFE

Establishing the BFE

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00QCC> 760I-LULULL.

zzCI- 750c'1:>LU.....LU

740

-- - - -"'.. - ~--- - . -CJ

- ---

Structure is located 0_02 miles do nstream of Cross-SecUon "G with a BFE = 753 -7'

,_r -L 1 II

I - 1-'-_,..- ,-.:: - ·- -- ,_ -,_ - -

,_ - ....,,_ _,_- -- _,_ - ,-- - ,-- -- - II"'-....·-- 'I I

Cross-Seer on P'-nI don"t t th-s is

75 3 _5• map a d data sheet list it as)

Teach able mo ent?

- ,.....I ....I

...iI I I Ii I I I.... ....I I.... . . . . J .... I-U

1.5 1.6 1.7 1.8 1.9 2.4

STREA

.0 2.1 2.2 2.3

OIST A CE IN MILES ABOVE MOUTH OF FOND DU LACRIVER

Establishing the BFE

The Flood Insurance Study Profile Sheet

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The Flood Insurance Study Profile Sheet

8 0-- wLL

0a!!

w0:::0z

870 w_J

a..Cl00 <(_J

d TO

,T R

800

I790 -©

>u ...>t-

r,

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Establishing a Base Flood Elevation

THE FLOOD INSURANCE STUDY (FIS)

•Only on the Studied Areas (AE, A1-A30, V Zones)

•3 important places in the FISThe Stillwater ChartFloodway Data ChartProfile Sheets

Establishing a Base Flood Elevation

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LETTER OF MAP AMENDMENT

LOMA

???????

Main Components (when filing)1. Deed

2. Subdivision Plat Map or Tax Map

3. FIRMette

4. Elevation Form or MT-EZ

5. Base Flood Elevation

6. Community Acknowledgement Form (Special)

Completing a LOMA

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• Must be a “copy” of the original

• Must have the recordation stamp from the

Register of Deeds

• Must be a legible stamp

• May not be needed, if in Platted Subdivision

THE DEED

Recorded Subdivision Map

Document No.

Liber & Page Info.

Tax MapParcelLocation

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A FIRMette • Must have the property or structure plotted on it.• Must have a Surveyor certify the location plotted.

I Karol L. Grove hereby certify the location of 2314 Lakeview Trail to be located as shown here below.

FIS Stillwater Chart

FIS Profile

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Floodway Data Table

Elevation

Form

COMMUNITY ACKNOWLEDGEMENT FORMS

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What if the structure is too low???

Establishing the BFEZone A

Non-Studied Area?

Where do we go?

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