flood profile interpretation and the eloma … · flood profile interpretation and the eloma...

FLOOD PROFILE INTERPRETATIONAND THE eLOMA PROCESS

© 2009 National Flood Determination Association

2© 2009 National Flood Determination Association

The NFDA “Flood Profile Interpretation and the eLOMA Process” training and “Flood Insurance Study (FIS) Assessment” (collectively, the “Training and Assessment”) have been instituted by the NFDA solely for the purpose of furthering the objectives of the NFDA’s eLOMA program. The Training and Assessment were produced by NFDA using current public information and contain secondary representations of FEMA forms, maps, profiles, and tables (collectively, the “FEMA Materials”). As a result of FEMA periodically updating and revising the FEMA Materials, the basis for the Training and Assessment may become outdated. Therefore, the most current and primary sources for the FEMA Materials should be consulted to assure use of the most recently updated version of the FEMA Materials and for the official instructions for proper use thereof. The NFDA does not guarantee or represent that successful completion of the Training and Assessment will provide continued access to FEMA’s eLOMA tool nor that the Training and Assessment is useful for any particular purpose outside of what is stated herein. In no event shall the NFDA be liable for the use of the Training and Assessment or any portion thereof and the applicant shall hold the NFDA harmless and defend them against any claim, including attorney’s fees, made against them because of the Training and Assessment and the use of the FEMA Materials.

DisclaimerBy accessing, utilizing , or completing this training or assessment, you agree to the following:

INTRODUCTION

• The technical requirements of the eLOMA process warrant a standardized review and preparation in order to ensure proper submittal of eLOMA applications.

• This tutorial and accompanying assessment are designed to acquaint the Certified Professional with some of the technical aspects of submitting eLOMA applications.


WHAT YOU WILL LEARN

• What is required for an eLOMA.• How to read an Elevation Certificate (EC).• How to use a Flood Insurance Study (FIS) to

determine Base Flood Elevation (BFE).• Helpful tips for eLOMA applications.


IMPORTANT FACTS TO REMEMBER

• Using FEMA’s Mapping Information Platform (MIP), check that there are currently no effective LOMCs or pending LOMC applications that affect the eLOMA subject.

• What you input into the eLOMA application is what will be published on the final document.

• All initial applications will be audited.• Each subsequent application may be subject

to immediate audit.


WHAT DO YOU NEED FOR AN eLOMA?

• Recorded plat map or deed.• The effective FIRM indicating subject location.• Elevation Certificate.• Documentation of BFE.


PLAT MAP / DEED

• The purpose of the deed or plat map is to identify the property and show that it is legally / officially recorded.

• Each must have recordation stamp.• Deed must include legal description.

– In this situation, the deed must be accompanied by a map of the property (tax map, plat map, or survey).


PLAT RECORDATION STAMP



Cabinet & Slide



Or Plat Book & Page



Date filed



And Community Official


DEED RECORDATION STAMP

13



Document Number



Or Book & Page



Date filed



And Community Official


EFFECTIVE FIRM• Is the subject for removal in a floodway?

Note: No part of the subject (whether it is the structure or the entire parcel) can be in the floodway.– If the floodways are not shown on the FIRM, you will

need to consult the Flood Boundary and Floodway Maps which can be obtained with the FIS.

• Verify that there is no LOMC pending for, or currently affecting this property.

• For a copy of the effective FIRM, visit FEMA’s Map Service Center.


EFFECTIVE FIRM

Parcel and

Structure must

be scaled

on FIRM


EFFECTIVE FIRM

And each map

must include the

North Arrow

and Scale


ELEVATION CERTIFICATE

• Sections A – D must be complete to support an eLOMA application.

• Here is what you will need from the Elevation Certificate (EC):– Latitude / Longitude

• Needs to be independently verified (Google Earth, Precision Mapping, TopoZone, etc).

– Base Flood Elevation (BFE)• Needs to be independently verified using the Flood

Insurance Study (FIS).



• Here is what you will need from the Elevation Certificate (EC):– Vertical Datum

• Elevations entered for structure / property must reference the same vertical datum as used on effective FIRM.

• Use Vertcon (http://www.ngs.noaa.gov/cgi-bin/VERTCON/vert_con.prl) if conversion is necessary .

– Lowest Adjacent Grade (LAG)– Signature and Seal of licensed surveyor, licensed

engineer, or architect.



Section A5 indicates

Latitude / Longitude


eLOMA application requires

a decimal format


Section B9 indicates the Base Flood Elevation (BFE)


Section C1 must indicate Finished Construction.


Section C2 indicates Vertical Datum


Section C2-F indicates

the Lowest Adjacent

Grade (LAG) next to

building


Section C2-H indicates

the lowest elevation of

deck or stairs


In situations where

these differ, always go

with the lowest

elevation


Section D

indicates

Licensed

Professional

information

and signature


Section D also includes the Seal


• The most recent version of the Elevation Certificate (EC) reflects two separate LAG measurements. Make sure to use the lower of the two in your calculations, and on the eLOMA application.

• It should be noted that FEMA does not require the use of a specific version of the EC when applying for a LOMA. Previous versions of the certificate are acceptable as long as they contain the required information.


VERIFYING THE BFE

• What you will need to know:– Determine the flood source by name.– Verify the BFE with the appropriate flood source

profile / stillwater elevation table.– Determine the 500-year elevation to identify the

Resultant Zone.


RESULTANT ZONE

• If the subject elevation is below BFE…– Select the zone that the subject is shown in on the

effective FIRM.

• If the subject elevation is above BFE…– The resultant zone should be Zone X/C if the LAG or

Lowest Lot Elevation (LLE) is above BFE and above the 500-Year elevation, or if there is no 500-Year elevation listed in the FIS report.

– The resultant zone should be Zone X (shaded)/B only when the LAG or LLE is above BFE but below the 500-Year elevation.


HOW TO READ AN FIS

• Now we will practice how to determine the information necessary for the eLOMA process.

• Please refer to the Flood Insurance Study (FIS) for Flood County, USA for the following examples.– This FIS is available on the NFDA website and

FEMA’s Map Service Center site.

• The object of removal (Subject) in all examples is the structure.


SUBJECT ONE

• Elmer Flood just purchased a house at 1301 Alley Dr in Floodville, USA, 12345. His new house is 625 feet upstream from Martling Way bridge, adjacent to Rocky River.

• First, we will locate the parcel boundary and subject with respect to the nearby flood source and the floodway.


38

Identify the

flood source

(Rocky River)


39

Locate the boundary

of the property

475 Feet


40

Locate the

subject

475 Feet


41

Determine if the

subject is in the

floodway

475 Feet


42

625 Feet

Determine the distance

along the stream

centerline from the

profile feature

to the upstream edge

of the subject

475 Feet


SUBJECT ONE

• Now, we will need to locate the applicable information on Flood Profile 02P for Rocky River :– Base Flood Elevation (BFE)– 500 Year (.2%) Elevation– Resultant Zone

• This will depend on the Lowest Adjacent Grade (LAG) in relation to the BFE and the 500 Year Elevation.


44

Take some time to locate the Elevation In Feet,

Stream Distance in Feet, and both the 500 and

100 Year Flood lines


45

Identify the profile feature


46

Property is located 625 feet

upstream of Martling Way


47

Intersect 100 Year flood profile

at this location


48

Project the line to find

Base Flood Elevation (BFE)

at this location


49

BFE = 10.8


50


500 Year Flood (.2%)

elevation at this location


51

500 Year = 11.7


SUBJECT TWO

• Mr. Rogers just moved into his new house at 2323 Long Circle in Floodville, USA, 12345. His new house is 325 feet downstream from Martling Way Bridge, adjacent to Rocky River.

• Again, we will first locate the structure and parcel with respect to the nearby flood source and the floodway.

52


53

Identify the

flood source

(Rocky River)


54

Locate the boundary

of the property

300 feet


55

Locate the subject

300 feet


56


along the stream

centerline from the

profile feature to the

upstream edge

of the subject

325 feet

300 feet


57


from FIRM is 11 feet

325 feet

300 feet


SUBJECT TWO



58


59

Again, take some time to locate the Elevation In Feet,

Stream Distance in Feet, and both the 500 and

100 Year Flood lines.


60



61


downstream of Martling Way


62


at this location


63



at this location


64

BFE = 10.6


65





66

500 Year = 11.6


SUBJECT THREE

• Mr. Smith just moved into his new house at 2075 Dairy Road in Floodville, USA, 12345. His property is adjacent to Silver Lakes.

• Again, we will first locate the structure and parcel with respect to the nearby flood source.


68

Locate the boundary

of the property


69

Locate the subject


70


from FIRM is 10 feet


71

The flood source is

Silver Lakes


SUBJECT THREE

• Now, we will locate the applicable information on the Summary of Stillwater Elevations table:– Base Flood Elevation (BFE)– 500 Year (.2%) Elevation– Resultant Zone


72


73

Locate the Flooding Source

as identified on the FIRM.


74

Identify the BFE


75

Identify the 500 Year (.2%) elevation


SUBJECT FOUR

• Ms. Waldo lives at 2638 Mundon Way in Floodville, USA, 12345. Her house is 435 feet upstream of Glebe Way, adjacent to Rocky River.

• We will now locate the structure and parcel with respect to the nearby flood source and the floodway.

76


77

Flooding source is

Rocky River


78

Locate the boundary of

the property

810 feet


79

810 feet

Locate the subject


80

810 feet


along the stream

centerline from the

profile feature to the

upstream edge

of the subject

435 feet


81

810 feet

435 feet

Nearest BFEs

on FIRM


SUBJECT FOUR



82


83



84


upstream of Glebe Way


85


at this location


86



at this location


87

BFE = 10.5


88





89

500 Year = 11.5


ZONE AH SUBJECT

• Mr. Bremer lives at 2161 Royal Oaks Dr in Floodville, USA, 12345. His house is 220 feet from Bass Circle, adjacent to Retention Pond No 1.

• We will now locate the structure and parcel with respect to the nearby flood source.


91

Locate the boundary of

the property

220 feet


92

220 feet

Locate the subject


93

220 feet

Flooding Source is

Retention Pond No. 1


94

220 feet

ZONE AH

Elevation 10 feet


ZONE AH SUBJECT

• Because this subject lies in an AH zone, the BFE can be taken straight from the FIRM.

• If you wish to verify it, the BFE will be found on the Summary of Stillwater Elevations table in the FIS. This is a useful exercise in order to verify the resultant zone. You will note on the table that there is no 500-Year elevation.


96

Locate the Flooding Source

as identified on the FIRM.


97

Identify the BFE


98

Identify the 500 Year (.2%) elevation


DON’T FORGET

• Verify, via the MIP, that no current LOMC or pending application affects your eLOMA subject.– If the FIRM affecting your subject has been revised

by a LOMR, you cannot use eLOMA.

• What you input into the eLOMA application is what will be published on the final document.

• All initial applications will be audited.• Each subsequent application may be subject

to immediate audit.99© 2009 National Flood Determination Association

DON’T FORGET

• You cannot use eLOMA if your request involves Dual Communities, or if your Subject lies in an area that has been annexed by a community other than the one reflected on the current FIRM.

• The object of the eLOMA request, whether it is the structure or the entire parcel, cannot lie within the mapped Floodway.


DON’T FORGET

• If the subject for removal is the entire parcel, the Lowest Lot Elevation (LLE) must be at or above BFE.

• If the subject for removal is the structure, the Lowest Adjacent Grade (LAG) must be at or above BFE.

• Always verify the BFE shown on the Elevation Certificate using the community’s Flood Insurance Study (FIS).


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