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1

Welcome to

FEMA Mapping Changes Understanding flood map revisions and their impact

Here’s our

AGENDA

Section 1- EVOLUTION of flood maps

Section 2 - PROCESS of flood mapping

Section 3- RESOURCES for finding flood maps

Section 4 - IMPACTS of mapping changes

Section 5 - IMPLEMENTATION issues

Section 6- QUESTIONS about flood maps

Section 7 – OVERVIEW of resources

FEMA Mapping Changes 3

FEMA Mapping Changes course page

http://www.h2opartnersusa.com/agent/mappingchanges.html

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EVOLUTION OF FLOOD MAPS

Section 1

4

FEMA Mapping Changes

Evolution

5

FHBM FIRM DFIRM

How do we get to

where we are going?

Flood Hazard Boundary Map Flood Insurance Rate Map Digital Flood Insurance Rate Map

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Flood Hazard Boundary Map

(FHBM)

Flood Insurance Rate Map

(FIRM)

Digital Flood Insurance Rate

Map (DFIRM)

FEMA Mapping

Evolution


7

FEMA Mapping

Evolution

FEMA Map Modernization

FEMA Risk MAP


4

PROCESS OF FLOOD MAPPING

Section 2

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Process

Project Scoping or Discovery

• Initial Involvement

Data/Map Development

• Stakeholder Outreach

Preliminary Release • Stakeholder, Media & Public Outreach

Adoption • Stakeholder, Media & Public Outreach

Processing the Process


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RESOURCES FOR LOCATING

FLOOD MAPS

Section 3

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Resources

Don’t hesitate to

be resourceful!


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Flood Zone Designations – SFHAs & Non-SFHAs

Special Flood Hazard Areas

(SFHA)

• High Risk Zones

• AE (replaces A1-A30)

• A, AH, AO, A99, AR

• VE (replaces V1-V30)

• V, VO

Non-Special Flood Hazard

Areas (Non-SFHA)

Moderate to Low Risk

• Zones B, C, X

• Zone D (undetermined)

Resources

13 FEMA Mapping Changes

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Flood Zone Designations

Resources

100-Year Floodplain

“…1-percent chance of

being flooded in any

given year (base flood).”

At least 26% chance of

flooding over a 30 year

mortgage


Courtesy of Ohio DNR

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Flood Insurance Rate Map (FIRM)

Resources

SFHAs appear as dark shading on

a Flood Insurance Rate Map (FIRM).


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Digital Flood Insurance Rate Map

Resources

SFHAs appear as aqua dotted area on the

Digital Flood Insurance Rate Map (DFIRM)


../floodpicx.ppt#11. No Slide Title

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Finding FEMA Map Changes

Resources For Finding Map Changes

Flood Maps https://msc.fema.gov/portal/

Map Changes https://www.fema.gov/status-map-change-requests

Product Subscriptions https://msc.fema.gov/portal/subscription

Community Status* Click Here

*Community Status Book

https://www.fema.gov/national-flood-insurance-program/national-flood-insurance-program-community-status-book

Resources



Visit the Map Service Center

https://msc.fema.gov/portal/




https://www.fema.gov/status-map-change-requests









https://msc.fema.gov/portal/subscription




























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FEMA Mapping Changes FEMA Mapping Changes FEMA Mapping Changes 19

National Flood

Hazard Layer

FEMA Mapping Changes FEMA Mapping Changes FEMA Mapping Changes 20

https://www.fema.gov/national-flood-hazard-layer-nfhl



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FIRMette


Visit the Map Service Center


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14

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Locating Historic Flood Maps

Resources


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Resources


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Resources


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Resources








































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www.fema.gov/status-map-change-requests

Resources

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Preliminary FEMA Map Products

Resources

http://www.fema.gov/status-map-change-requests







https://hazards.fema.gov/femaportal/prelimdownload/

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Notice to Congress – Monthly Update

Resources

https://www.fema.gov/media-library/assets/documents/157028

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Resources
















































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Resources

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https://msc.fema.gov/portal/subscriptionHome

Resources



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Resources

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Resources



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Resources


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Community Status Book

Resources







































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Community Status Book

Resources

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Resources Community Status Book


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Pre-FIRM Built before initial FIRM

or

On or before 12/31/1974

Post-FIRM On or After the initial FIRM

or

After 12/31/1974 . . .

whichever is LATER

Defining Pre-FIRM and Post-FIRM


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Resources Community Status Book


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IMPACTS OF MAPPING CHANGES

Section 4

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Every flood has a big impact…on someone

Impacts


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Properties mapped into Special Flood Hazard Areas

Mandatory Purchase of Flood Insurance Required?

Impacts

Enter SFHA


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Properties mapped out of Special Flood Hazard Areas

Eligible for Low-Cost Preferred Risk Policy?

Impacts

Exit SFHA


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Mapped “In”

Flood risk increased

More structures in

floodplain

Mandatory purchase of

flood insurance

Mapped “Out”

Flood risk reduced

Risk not eliminated

Low-cost preferred risk

coverage available

Keep coverage

Lower cost

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Impacts

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What is a Preferred Risk Policy (PRP)?

Lower-Cost Flood

Policy

B, C, X, AR & A99

Zones

Building/Contents

Combinations

Loss eligibility

Impacts

Premium Comparisons*

$200,000 Bldg $80,000 Contents

Pre-FIRM AE Zone $3,867

Post-FIRM +1 AE Zone $1,108

Standard X Zone $2,091

Preferred Risk Policy $425

Single family, primary residence, one floor, no basement, minimum deductibles

(4/1/18 rates)


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Click here to access complete handout

Conversion to PRP following map change

Use Cancellation Reason 24* to cancel and rewrite

Standard-rated policy will be canceled and rewritten as PRP

Premium from canceled policy applied to PRP with difference refunded

Refund: Full premium refund

No gap in coverage

No 30-day waiting period applies to PRP

PRP issued using standard-rated policy’s effective date

PRP coverage limits must equal standard-rated policy or next higher limit available under PRP

*Cancellation Reason 24 is used to cancel and rewrite a standard-rated policy to

a PRP within the same company as a result of a map revision, LOMA or LOMR.

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https://www.fema.gov/media-library-data/1449089824427-0a5b5d6b1016adbcb365b6a78d67e433/ConvertingPRPForAgents.pdf

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Conversion to PRP following map change

Cancellation Reason 24 can be used under the following conditions:

Cancel/rewrite must be received during the policy term or within 6 months of the policy expiration date

No claim has been paid or is pending on the standard-rated policy terms being canceled

The property meets all other PRP eligibility requirements


If the property is not eligible for a PRP, a standard

rated policy with the new flood zone designation can

still be endorsed.

The endorsement effective date is the date of the

map change.

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SFHA to non-SFHA

• “Your risk is reduced, not removed.”

• “People in moderate-and low-risk

areas file more than 20% of all NFIP

flood insurance claims and receive one

third of flood disaster assistance.”

• “You may be eligible for a lower-cost

PRP, which includes contents.”

• “Stay financially protected and get

money back once the map is effective.”

• “There will be no gaps in coverage and

no additional money up front.”

Map Messaging

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IMPLEMENTATION ISSUES

Section 5

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Insurance Agent Implementation Issues

Importance of identifying properties affected by map

change

Significance of understanding rating options available

Rating options that may apply:

• Grandfather rating rules

• Newly Mapped Procedure

Implementation


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Rating Options Following a Map Revision Implementation

4/01/2015

NEWLY MAPPED PROCEDURE

RULES

GRANDFATHER RATING

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Grandfathering

Implementation

Allows premium benefits after

• Changes in map zones

• Changes to compliance

standards

May provide legitimate reason

for zone discrepancies on

policy declarations page


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Grandfathering

Implementation

Allows a property owner to:

“Lock” in a previous Flood Zone

“Lock” in a previous Base Flood Elevation


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Grandfathering – Continuous Coverage

Implementation

For policy in effect prior to map

change date, maintain prior

zone and BFE

Coverage must be continuous


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Grandfathering – Built in Compliance

Implementation

If building was constructed in

compliance with a specific

FIRM, use that map’s zone and

BFE

Continuous coverage not

required

Submit proof to carrier


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Rating Options Following a Map Revision Implementation

4/01/2015

NEWLY MAPPED PROCEDURE

RULES

GRANDFATHER RATING

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• Effective April 2015

• Newly Mapped procedure

• Properties in B, C, X, D, AR

and A99 on the old map to an

SFHA on new map

• Must meet specific loss

eligibility requirements

Implementation Newly Mapped Procedure

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Newly Mapped procedure

Newly Mapped procedure applies to:

• Properties newly mapped into an

SFHA from B, C, X, D, AR and A99

zones

• Policies previously issued under the

PRP Eligibility Extension

• Properties newly mapped into SFHA

may be eligible to receive a

“preferred risk premium” for the first

year after map revision*

Effective April 1, 2015 68

*Preferred Risk Policy premium before:

• Reserve Fund Assessment

• Federal Policy Fee

• After first year, policies begin transition to full-risk rates

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Newly Mapped procedure

Newly Mapped into SFHA on or after

April 1, 2015

• Eligible for Newly Mapped procedure:

• If coverage effective within 12 months

of map revision

• Not eligible for Newly Mapped

procedure:

• If coverage not effective within 12

months of map change

• Post-FIRM buildings may qualify for

built-in-compliance grandfathering

• Pre-FIRM buildings may qualify for

Pre-FIRM subsidized rates

NOTE: All Properties must meet Preferred Risk Policy loss

requirements to be eligible for Newly Mapped Procedure

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Within 12 months of map revision

Newly Mapped into SFHA

• “The area your building is in has been newly

identified as a high-risk area for flooding.”

• “Most lenders require flood insurance in

these areas.”

• “Even without a mortgage, you should still

purchase flood insurance. You are more

likely to experience a flood than a fire.”

• “Purchase and have a PRP in effect before

the new maps become effective to

maximize your savings and reduce your

financial risk now.”

• “The NFIP offers options to help you save

on flood insurance. Let’s explore all your

options.”

Map Messaging

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Case Study Facts Bill and Jill Rivers are purchasing a home in

unincorporated Palm Beach County, FL. It will be their

primary residence. Their lender tells them they need to

purchase flood insurance since their new home is in flood

zone AE.

About the home The current owner has never had flood

insurance because the house had always been

in zone X. But an October 5, 2017 map

revision for Palm Beach County mapped the

building into zone AE.

What are the rating options? The house was built in 1995 – so is it Pre-FIRM or Post-FIRM? Is it now eligible

for the Newly Mapped procedure?

Palm Beach County, FL Rating Options

Case Study


Florida Community Status List

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https://www.fema.gov/national-flood-insurance-program-community-status-book














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Case Study – Rating Options – Palm Beach County, FL

Eligible for Newly Mapped

procedure?

Map revision effective 10/5/17

Policy must be effective prior

to 10/5/18

Implementation

Rating

Approach

Eligibility

(Y/N)

Current Year Premium*

Newly Mapped**

Yes $450

Grandfather Rating – X

Yes

$1,176

Pre-FIRM Subsidized

No N/A

Full-Risk Rating

Yes $695

* $200,000 building coverage, +1 BFE, Single family, one floor, no basement, minimum

deductible (4/1/18 rates – CRS 5)


** Newly Mapped includes $80,000

personal property coverage

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Case Study Facts Tom and Tammy Torrent are in the process of refinancing

their home in Breckenridge, MN when their lender tells

them they will be required to purchase flood insurance.

About the home They have never had flood insurance before

but they are now finding out that

Breckenridge’s map was revised effective

May 18, 2015 and their home has been

mapped into zone AE.



Breckenridge, MN Rating Options

Case Study

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Minnesota Community Status List

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Case Study – Rating Options – Breckenridge, MN


procedure?


Policy must be effective prior

to 5/18/16

Implementation

Rating

Approach

Eligibility

(Y/N)


Newly Mapped**

No N/A ($492)


Yes

$1,577

Pre-FIRM Subsidized

No N/A

Full-Risk Rating

Yes $2,126

* $200,000 building coverage, -3 BFE, Single family, two floors, basement, minimum

deductible (4/1/18 rates)

















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Case Study Facts Sam and Sara Swell have lived in their primary residence

in Brentwood, CA for years. But their lender recently

conducted a flood zone audit of all its loans and found that

the Swell’s loan will now require flood insurance.

About the home That’s because Brentwood’s map was revised

in 2017 and the Swell’s home was mapped

from zone X on the prior map to zone AE.

But the lender’s flood zone vendor never

notified the bank and so the Swells were not

informed of how it affected them until now.



Brentwood, CA Rating Options

Case Study


California Community Status List

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Case Study – Rating Options – Brentwood, CA


procedure?


Policy must be effective prior to

3/21/18

Implementation

Rating

Approach

Eligibility

(Y/N)


Newly Mapped**

No N/A ($450)


No

N/A

Pre-FIRM Subsidized

Yes $2,408

Full-Risk Rating

Yes $1,820

* $200,000 building coverage, +0 BFE, Single family, one floor, no basement, minimum

deductible (4/1/18 rates)





Clear

Communication

of Risk

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Access on-line at:

www.fema.gov/cost-of-flood

http://www.fema.gov/cost-of-flood





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Clear

Communication

of Risk

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Access on-line at:



Clear

Communication

of Risk

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Access on-line at:












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Lender Community Issues

How do lenders know maps have changed?

• Portfolio reviews – required?

• Life of loan flood zone determinations

Process for requiring flood insurance

• Borrower notification – 45 day letter

• Force Placement

Implementation


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Lender Community Issues

What happens once the policy arrives?

• Lender verifies compliance issues

• Resolves flood zone discrepancies

What is a flood zone discrepancy?

• Lender determination and policy declaration have

different flood zones

• SFHA vs. Non-SFHA discrepancies

• Unless Grandfather Rating Rules or Newly Mapped

Procedure apply

Implementation


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Flood Zones on Declarations Pages

Current Flood Zone – flood zone of property on

current (revised) Flood Insurance Rate Map (FIRM)

Flood Risk/Rated Zone – flood zone from the

previous map used to rate policy

Lenders are not required to investigate or resolve

differences between Current Flood Zone and Flood

Risk/Rated Zone

Implementation


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Current Zone/Rated Zone

Implementation

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QUESTIONS ABOUT FLOOD MAPS

Section 6

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What happens when we all can’t agree?

Questions


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Letter of Determination Review

Letter of Determination Review (LODR)

• Lender and borrower must jointly request

• 45-day window to request

Questions


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Riverside Road

River

AE

AE

AE

LODR - Letter of Determination Review

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Riverside Road

River

AE

AE

AE

LODR - Letter of Determination Review

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Letter of Map Amendment

Questions




Letter of Map Amendment (LOMA)

• Single structure, single lot


https://hazards.fema.gov/femaportal/onlinelomc/signin




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LOMA - Letter of Map Amendment


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Letter of Map Revision

Questions






Letter of Map Revision (LOMR)

• Multiple structures/lots

• LOMR-F - based on fill


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LOMR - Letter of Map Revision

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LOMA “Out as Shown”

Questions









LOMAs, SOMAs, and so on…

• LOMA “Out as Shown”


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Riverside Road

AE

AE

AE

River

LOMA – “Out as Shown”

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Riverside Road

AE

AE

AE

River

LOMA – “Out as Shown”

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Summary of Map Actions

Questions









• LOMAs, SOMAs, and so on…

LOMA “Out as Shown”

SOMA – Summary of Map Actions


SOMA – Summary of Map Actions

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Contact FEMA Mapping Specialist

Questions




Letter of Map Amendment(LOMA)





LOMAs, SOMAs, and so on…

• LOMA “Out as Shown”

• SOMA – Summary of Map Actions

Contact FEMA Mapping Specialist at

877-336-2627


OVERVIEW OF RESOURCES

Section 7

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Overview of Resources

• NFIP Flood Manual

• Community Status Book

www.fema.gov

• FIRMettes for Documentation

• Current Effective Maps/Historic Maps/Preliminary Maps

• Revalidation Letters

• FEMA Map Information eXchange (FMIX) 1-877-336-2627

www.msc.fema.gov

•Official website of the National Flood Insurance Program

www.floodsmart.gov

• WYO Companies

• NFIP Direct Servicing Agent – www.nfipdirect.fema.gov

• Flood Insurance Advocate – Click here for more information

Other Resources


• All attendees will be receiving an

email with a link to a survey and

feedback form.

• Please take time to complete and

help us improve our training effort!

Evaluations


http://www.h2opartnersusa.com/agent/mappingchanges.html

http://www.nfipdirect.fema.gov/

https://www.fema.gov/national-flood-insurance-program-flood-insurance-advocate

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• Melanie Graham [email protected]

• Mike Moye

[email protected]

• Rich Slevin

[email protected]

• Rich Waalkes [email protected]

• Aaron Montanez/Will Lucas [email protected]

Contact Info

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Thank you for attending!

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mailto:[email protected]





welcome to fema mapping changes - h2o partners, … to fema mapping changes ... agenda section 1-...

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