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QUICK GUIDE QUICK GUIDE - Florida Floodplain Managers

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QUICK GUIDE QUICK GUIDE - Florida Floodplain Managers Powered By Docstoc
					                                                                                        2009
FLOODPLAIN MANAGEMENT IN FLORIDA




 QUICK
 GUIDE
Florida Division of Emergency Management                   HE STAT
                                                      FT              E
Bureau of Recovery and Mitigation                 O




                                                                       O
                                              L
                                       EAT SEA




                                                                           FF
2555 Shumard Oak Boulevard




                                                                               LORIDA
Tallahassee, FL 32309




                                        GR
                                              IN                           T
                                                      GO              US
                                                           D W E TR
Table of Contents
1........ About this Guide                                          37...... Completing the Elevation Certificate
2........ Useful Resources                                          38...... Is Your Building Site Higher than the BFE?
3........ Why Do We Regulate the Floodplain?                        39...... The Lowest Floor
4........ Selected Definitions                                      40...... The V Zone Certificate
11 ...... Flood Zones                                               41...... How to Elevate Your Floodplain Structure
12...... Community Responsibilities                                 42...... Compaction of Floodplain Fill
13...... Understanding the Riverine Floodplain                      43...... Elevating an Existing Structure
14...... Understanding the Floodway                                 44...... Enclosures Below the Lowest Floor
15...... Looking for Floodplain Information?                        45...... Crawlspace Details
16...... Online Flood Map Tools                                     46...... Typical Elevation Methods for Coastal Construction
17...... The Flood Insurance Rate Map (Riverine)                    47...... Coastal Structures Must Resist Wind and Water Forces
18...... The Countywide Flood Insurance Rate Map                    48...... Enclosures Below V Zone Structures
19...... Use the Riverine Flood Profile to Determine BFEs           49...... Utility Service / Fuel Tanks
20...... Approximate Zone A                                         50...... Low Cost Flood Protection for Older Homes
21...... Understanding the Coastal Floodplain                       51...... Utility Service Inside Enclosures
22...... Use the Transect Map to Determine Coastal BFEs             52...... Septic Tanks (Onsite Sewage Treatment and Disposal)
24...... The Flood Insurance Rate Map (Coastal Zones)               53...... Small Berms and Floodwalls Can Protect Pre-FIRM Structures
25...... Coastal Barriers Resource (CBRS) Areas                     54...... Acquisition/Demolition and Relocation
26...... Flood Map Revisions Issued by FEMA                         55...... Manufactured Homes Deserve Special Attention
27...... What is Meant by Pre-FIRM and Post-FIRM?                   56...... Recreational Vehicles
28...... Nature Doesn’t Read Maps!                                  57...... Accessory Structures
29...... Safe Uses of the Floodplain                                58...... Planning to Improve Your Floodplain Structure
30...... Some Activities Requiring Floodplain Development Permits   59...... What About After Damage?
31...... Some Key Steps in Floodplain Development Permit Review     60...... Residential Substantial Damage Estimator
32...... Carefully Complete the Permit Application                  61...... Paying for Post-Flood Compliance - ICC
33...... Think Carefully Before You Seek a Variance                 62...... Repetitive Loss Eligibility under ICC
34...... Floodplain Fill Can Make Things Worse                      64...... Flood Insurance: Property Owner’s Best Protection
35...... The Floodway “No-Rise/No Impact ” Certification            65...... Freeboard: Go Above the BFE
36...... What is an Elevation Certificate and How is it Used?       66...... Want to Learn More

                                                                                                                 Florida Quick Guide
About this Guide


This Quick Guide will help you understand why and how communities in the State of Florida manage
development in floodplains to protect people and property. Floodprone communities adopt codes and
ordinances that detail the rules and requirements. In case of conflict, those codes and ordinances, not the
                               guidance provided in this publication, must be followed. If you have questions
                               talk with a local planning or permit official.

                              This Quick Guide was developed jointly by the Florida Division of Emergency
                              Management and the Federal Emergency Management Agency (FEMA).
                                       Project development and publication was funded through FEMA.

                                         Questions, comments and requests for additional copies should be
                                         directed to the Florida Division of Emergency Management (FDEM)
                                          at (850) 413-9969. FDEM is the state coordinating agency for the
                                           National Flood Insurance Program (NFIP).

                                            For more detail on all aspects of floodplain management, please
                                            refer to the National Flood Insurance Program, Floodplain
                                             Management Requirements: A Study Guide and Desk
                                              Reference for Local Officials (FEMA 480).



1                                                                                             Florida Quick Guide
Useful Resources

Common Acronyms                                              Internet Links

BFE – Base Flood Elevation                                   Get A Plan!
                                                             Florida Division of Emergency Management
CBRS – Coastal Barrier Resources System                      www.floridadisaster.org
CLOMA – Conditional Letter of Map Amendment
CLOMR – Conditional Letter of Map Revision                   Florida Floodplain Managers Association
                                                             www.ffma.net
CLOMR-F – Conditional Letter of Map Revision based on Fill
CRS – Community Rating System                                Family Disaster Planning
EC – Elevation Certificate                                   http://www.redcross.org/
                                                             http://www.floridadisaster.org/family/
FDEM – Florida Division of Emergency Management              http://www.fema.gov/areyouready/
FEMA – Federal Emergency Management Agency
FFMA – Florida Floodplain Managers Association               Repairing Your Flooded Home, ARC and FEMA
                                                             http://www.fema.gov/library/viewRecord.do?id=1418
FHBM – Flood Hazard Boundary Map
FIRM – Flood Insurance Rate Map                              NFIP Floodplain Management Requirements
FIS – Flood Insurance Study                                  A Study Guide and Desk Reference for Local Officials
ICC – Increased Cost of Compliance                           http://www.floods.org/Certification/FEMA_480.asp
LOMA – Letter of Map Amendment                               NFIP Publications
LOMC – Letter of Map Change                                  http://www.fema.gov/business/nfip/libfacts.shtm
LOMR – Letter of Map Revision
                                                             FEMA Elevation Certificate
LOMR-F – Letter of Map Revision based on Fill                http://www.fema.gov/business/nfip/forms.shtm
NFIP – National Flood Insurance Program
RSDE – Residential Substantial Damage Estimator              Information on ICC
                                                             http://www.fema.gov/plan/prevent/floodplain/ICC.shtm
SFHA – Special Flood Hazard Area
2                                                                                                     Florida Quick Guide
Why Do We Regulate the Floodplain?

To protect people and property – Floodplain management is about reducing vulnerability to flood risk to our
built environment. If we know low lying land will flood from time to time, we should make reasonable decisions
to help protect our families, homes, and businesses.

To reduce future flood losses in Florida – Floodplain development regulations are simply a “good neighbor”
policy designed to protect our citizens from future flood losses. Regulating floodplain development helps keep
flooding conditions from getting worse as development continues.

To make sure that federal flood insurance is available – Your community must join the NFIP before its
residents can purchase flood insurance. If not, your community can be ineligible for some types of federal
assistance. In addition, your residents may be unable to secure a mortgage.

To save tax dollars – Every time you hear about a flood disaster, think about what it means to the town’s
budget. If we build smart, we’ll have fewer problems the next time the water rises. Remember, federal disaster
assistance is not available for all floods. Even when the President declares a disaster, your community still has
to pay a portion of repair and clean-up costs and could also incur some evacuation expenses.

To avoid liability and lawsuits – If we know an area is mapped as a floodplain and likely to flood and we
know people could be in danger and buildings could be damaged, doesn’t it make sense to take reasonable
protective steps as we develop and build?


3                                                                                              Florida Quick Guide
Selected Definitions

Area of Shallow Flooding – A designated AO, AH, AR/AO, AR/AH, or VO zone on a community’s Flood
Insurance Rate Map (FIRM) with a one percent or greater annual chance of flooding to an average depth of 1
to 3 feet where a clearly defined channel does not exist, where the path of flooding is unpredictable, and where
velocity flow may be evident. Such flooding is characterized by ponding or sheet flow.
Area of Special Flood-Related Erosion Hazard – The land within a community which is most likely to be
subject to severe flood-related erosion losses. The area may be designated as Zone E on the Flood Hazard
Boundary Map (FHBM). After a detailed evaluation of the special flood-related erosion hazard area in
preparation for publication of the FIRM, Zone E may be further refined.
Base Flood – A term used in the FEMA National Flood Insurance Program (NFIP) to indicate the minimum
size flood to be used by a community as a basis for its floodplain management regulations; presently required
by regulation to be that flood which has a one percent annual chance of being equaled or exceeded in any
given year. Also known as a 100-Year Flood or One-Percent Annual Chance Flood.
Base Flood Elevation (BFE) – (1) The height in relation to mean sea level (MSL) expected to be reached by
the waters of the Base Flood at specific points in the floodplain areas. (2) The elevation for which there is a
one percent chance in any given year that flood levels will equal or exceed it. (3) The elevation shown on the
Flood Insurance Rate Map (FIRM) for Zones AE, AH, A1-A30, AR, AR/A, AR/AE, AR/A1-A30, AR/AH and AR/
AO that indicates the water surface elevation resulting from a flood that has a one percent or greater chance of
being equaled or exceeded in any given year. The BFE is generally based on statistical analysis of stream flow
records for the watershed and rainfall and runoff characteristics in the general region of the watershed, and
application of hydraulic backwater models.

4                                                                                            Florida Quick Guide
Selected Definitions (continued)

Breakaway Wall – A wall that is not part of the structural support of the building and is intended through
its design and construction to collapse under specific lateral loading forces, without causing damage to the
elevated portion of the building or supporting foundation system.
Coastal Barrier Resources System (CBRS) – The Coastal Barrier Resources Act (CBRA) of 1982 and
later amendments, removed the Federal government from financial involvement associated with building and
development in undeveloped portions of designated coastal barriers (including the Great Lakes). These areas
were mapped and designated as Coastal Barrier Resources System units or "otherwise protected areas". They
are colloquially called COBRA areas. COBRA banned the sale of NFIP flood insurance for structures built or
substantially improved on or after a specified date. For the initial COBRA designation, this date is October 1,
1983. For all subsequent designations, this date is the date the COBRA area was identified. COBRA areas
and their identification dates are shown on Flood Insurance Rate Maps (FIRMs). Communities may permit
development in these areas even though no Federal assistance is available, provided that the development
meets NFIP and the community's floodplain management requirements.
Coastal Construction Control Line Program (CCCL) – An essential element of Florida's coastal
management program. Adoption of a CCCL establishes an area of jurisdiction in which special siting and
design criteria are applied for construction and related activities, therefore providing protection for Florida's
beaches and dunes while assuring reasonable use of private property.

Coastal High Hazard Area – An area of special flood hazard extending from offshore to the inland limit of a
primary frontal dune along an open coast and any other area subject to high velocity wave action from storms
or seismic sources.
5                                                                                                 Florida Quick Guide
Selected Definitions (continued)

Development – Any man-made change to improved or unimproved real estate, including but not limited to
buildings or other structures, mining, dredging, filling, grading, paving, excavation or drilling operations or
storage of equipment or materials.
Flood – (a) A general and temporary condition of partial or complete inundation of normally dry land areas
from: (1) The overflow of inland or tidal waters; (2) The unusual and rapid accumulation or runoff of surface
waters from any source; (3) Mudslides (i.e., mudflows) which are proximately caused by flooding as defined in
paragraph (a)(2) of this definition and are akin to a river of liquid and flowing mud on the surfaces of normally
dry land areas, as when earth is carried by a current of water and deposited along the path of the current.
(b) The collapse or subsidence of land along the shore of a lake or other body of water as a result of erosion
or undermining caused by waves or currents of water exceeding anticipated cyclical levels or suddenly
caused by an unusually high water level in a natural body of water, accompanied by a severe storm, or by an
unanticipated force of nature, such as flash flood or an abnormal tidal surge, or by some similarly unusual and
unforeseeable event which results in flooding as defined in paragraph (a)(1) of this definition.
Flood Insurance Rate Map (FIRM) – The official map of a community on which FEMA has delineated both the
special hazard areas and the risk premium zones applicable to the community. The FIRMs are the basis for the
establishment of premium rates for flood coverage offered through the NFIP.

Flood Insurance Study (FIS) – A compilation and presentation of flood risk data for specific watercourses,
lakes, and coastal flood hazard areas within a community. When a flood study is completed for a community,
the information and maps are assembled into an FIS. The FIS report contains detailed flood elevation data in
flood profiles and data tables.
6                                                                                               Florida Quick Guide
Selected Definitions (continued)

Floodway (Regulatory Floodway) – The channel of a river or other watercourse and the adjacent land areas
that must be reserved in order to discharge the base flood without cumulatively increasing the water surface
elevation more than a designated height.
Freeboard – Freeboard means a factor of safety usually expressed in feet above a flood level for purposes of
floodplain management. “Freeboard” tends to compensate for the many unknown factors that could contribute
to flood heights greater than the height calculated for a selected size flood and floodway conditions, such
as wave action, blockage of bridge or culvert openings, and the hydrological effect of urbanization of the
watershed.
Levee – A man-made structure, usually an earthen embankment, designed and constructed in accordance
with sound engineering practices to contain, control, or divert the flow of water so as to provide protection from
temporary flooding.
Levee System – A flood protection system which consists of a levee, or levees, and associated structures,
such as closures and drainage devices, which are constructed and operated in accordance with sound
engineering practices.
Lowest Floor – The lowest floor of the lowest enclosed area (including basement). An unfinished or flood
resistant enclosure, usable solely for parking of vehicles, building access or storage in an area other than a
basement area is not considered a building’s lowest floor; provided that such enclosure is not built so as to
render the structure in violation of the applicable non-elevation design requirements.


7                                                                                               Florida Quick Guide
Selected Definitions (continued)

Mean Sea Level – For purposes of the National Flood Insurance Program, the National Geodetic Vertical
Datum (NGVD) of 1929, North American Vertical Datum of 1988 (NAVD 88) or other datum, to which base
flood elevations shown on a community’s FIRM are referenced.
National Geodetic Vertical Datum (NGVD) – The vertical control datum established for vertical control
surveying in the United States of America based upon the General Adjustment of 1929.
North American Vertical Datum of 1988 (NAVD 88) – The vertical control datum established for vertical
control surveying in the United States of America based upon the General Adjustment of the North American
Datum of 1988.
Primary Frontal Dune – A continuous or nearly continuous mound or ridge of sand with relatively steep
seaward and landward slopes immediately landward and adjacent to the beach and subject to erosion and
overtopping from high tides and waves during major coastal storms. The inland limit of the primary frontal
dune occurs at that point where there is a distinct change from a relatively steep slope to a relatively mild
slope.
Special Flood Hazard Area (SFHA) – Area of special flood hazard is the land in the flood plain within
a community subject to a one-percent or greater chance of flooding in any given year. The area may be
designated as Zone A on the FHBM. After detailed rate making has been completed in preparation for
publication of the flood insurance rate map, Zone A usually is refined into Zones A, AO, AH, A1–30, AE, A99,
AR, AR/A1–30, AR/AE, AR/AO, AR/AH, AR/A, VO, or V1–30, VE, or V. For purposes of these regulations, the
term “special flood hazard area” is synonymous in meaning with the phrase “area of special flood hazard”.

8                                                                                              Florida Quick Guide
Selected Definitions (continued)

Substantial Damage – Damage of any origin sustained by a structure whereby the cost of restoring the
structure to its “before damaged” condition would equal or exceed 50 percent of the market value of the
structure before the damage occurred. All structures that are determined to be substantially damaged are
automatically considered to be substantial improvements, regardless of the actual repair work performed. If
the cost necessary to fully repair the structure to its “before damaged” condition is equal to or greater than 50
percent of the structure’s market value before damages, the structure must be elevated (or floodproofed if it is
non-residential) to or above the Base Flood Elevation (BFE), and meet other applicable NFIP requirements.

Substantial Improvement – Any reconstruction, rehabilitation, addition, or other improvement of a structure,
the cost of which equals or exceeds 50 percent of the market value of the structure before the “start of
construction” of the improvement. This term includes structures which have incurred “substantial damage,”
regardless of the actual repair work performed. The term does not, however, include either:

1. Any project for improvement of a structure to correct existing violations of state or local health, sanitary, or
   safety code specifications which have been identified by the local code enforcement official and which are
   the minimum necessary to assure safe living conditions, or

2. Any alterations of a “historic structure,” provided that the alteration will not preclude the structure’s
   continued designation as a “historic structure.”

Floodplain management requirements for new construction apply to substantial improvements. NFIP Increased
Cost of Compliance (ICC) coverage applies only when a structure is substantially damaged due to flooding.

9                                                                                                 Florida Quick Guide
Selected Definitions (continued)

Variance – A grant of relief by a community from the terms of a floodplain management regulation. Because a
variance can create an increased risk to life and property, variances from flood elevation or other requirements
in the flood ordinance should be rare. Insurance premium rates are required by statute to be based on actuarial
risk and will not be modified by the granting of a variance. Specific criteria for granting a variance is described
in the supplemental information.
FEMA may review a community’s findings justifying the granting of variances, and if that review indicates a
pattern inconsistent with the objectives of sound floodplain management, FEMA may take appropriate action
including probation and suspending the community from the NFIP.
Definitions are taken from 44 Code of Federal Regulations, NFIP Policy Index and other Federal and State
regulatory documents. For additional definitions, see those resources.




10                                                                                             Florida Quick Guide
Flood Zones


Flood zones are geographic areas that the Federal Emergency Management Agency (FEMA) has defined
according to varying levels of flood risk. These zones are depicted on a community’s Flood Hazard Boundary
Map (FHBM) or FIRM and Digital FIRMs (DFIRMs) if the DFIRM is available. Each zone reflects the severity or
type of flooding in the area.

High Risk Areas: All A and V Zones – The area that located within the one-percent annual chance floodplain
(100-year floodplain) identified as a Special Flood Hazard Areas on Flood Insurance Rate Maps. Flood
insurance is available to all property owners and renters. Lenders require mandatory purchase of flood
insurance.

Moderate to Low Risk Areas: Zones B (moderate), C and X (low) – Areas located outside the one-percent
annual chance floodplain (100-year floodplain). Includes areas protected from flood by certified levees. Area
is higher than base flood elevation. Lower-cost flood insurance is available to all property owners and renters.
Mandatory flood insurance purchase requirements do not apply.

Undetermined Risk Areas: Zone D – Unstudied areas of undetermined but possible flood hazards. Base flood
elevations not available. Flood insurance is available to all property owners and renters. Mandatory flood
insurance purchase requirements do not apply.

NFIP Flood Insurance is not available to residents of communities that do not participate in the NFIP. It is also
not available for structures built or substantially improved in COBRA areas after their designation date, even
though the structure may be in a participating community.
11                                                                                              Florida Quick Guide
Community Responsibilities



To participate in the NFIP, your community agrees to adopt and enforce a flood damage prevention ordinance.
Responsibilities required by ordinances include, but may not be limited to:

n	 Require Elevation Certificates to document compliance (see Pages 36 and 37).

n	 Require new and substantially improved residential structures and manufactured homes to be elevated
   to or above the BFE.

n	 Conduct field inspections and cite any violations to the community’s Flood Damage Prevention
   Ordinance.

n	 Require non-residential structures to be elevated or
   floodproofed. (Floodproofing not allowed in V-Zones)
                                                                     How FloodSmart
n	 Assure that building sites are reasonably safe from                 are YOU?
   flooding.

n	 Carefully Consider requests for variance.

n	 Advise FEMA when updates to flood maps are needed.

12                                                                                        Florida Quick Guide
Understanding the Riverine Floodplain

                                                                                    Terms and
                      Special Flood Hazard Area
                                                                                    Definitions
                 One-Percent Annual Chance Floodplain
                           (100-Year Floodplain)                              The Special Flood Hazard
                                Floodway                                    Area (SFHA) is the portion
                                                                            of the floodplain subject to
                                                                            inundation by the base flood
              Floodway             Stream          Floodway                 and/or flood related erosion
                Fringe             Channel           Fringe                 hazards. SFHAs are shown on
                                                                            FHBMs or FIRMs as Zones A,
                                                                            AO, AH, A1–30, AE, A99, AR,
                                                                            AR/A1–30, AR/AE, AR/AO, AR/
                                                                            AH, AR/A, VO, or V1–30, VE,
                                                                            or V.
                                                                            See Page 14 to learn more
                                                                            about the floodway and Page 21
                                                                            to learn more about the coastal
                                                                            floodplain.


For floodplains with Base Flood Elevations, check the Flood Insurance Study (FIS) to find the Flood Profile
which shows water surface elevations for the different frequency floods (see Page 19).

13                                                                                        Florida Quick Guide
Understanding the Floodway

                                                                                                           Terms and

                             Special Flood Hazard Area                                                     Definitions
                  Floodway                                            Floodway                      The Floodway is the channel
                                          FLOODWAY                                                of a river or other water course
                    Fringe                                              Fringe
                                                                                                  and the adjacent land areas that
                                              Stream                                 Simulated
                                                                                                  must be reserved in order to pass
                                              Channel                              Encroachment
                    Simulated                                                                     the base flood discharge without
                  Encroachment                                                                    cumulatively increasing flood
                                                                                                  levels by a designated height.
                                 C                                D
             A                                       Surcharge*
                                                                                  B               Computer models of the
                                                                                                  floodplain are used to simulate
                                                                      Flood elevation before      “encroachment” or fill in the
 Area of floodplain that could be                                     encroachment                floodway fringe in order to predict
 used for development by raising
 ground
                                                                                                  where and how much the Base
                                 Line A   B = Flood elevation before encroachment                 Flood Elevation (BFE) would
                               Line C     D = Flood elevation after encroachment                  increase if the floodplain is
*Surcharge not to exceed 1.0 ft (NFIP requirement)                       Simulated Encroachment   allowed to be filled.


 Before a local permit can be issued for proposed development in the floodway, a “No Rise/No Impact” certification
 must be submitted (see Page 35). You may need a Professional Engineer licensed in Florida, to make sure your
 proposed project won't increase flood levels.
14                                                                                                               Florida Quick Guide
Looking for Floodplain Information?

                                                    View digital flood maps or order paper copies of the flood maps at the FEMA
       NATIONAL FLOOD INSURANCE PROGRAM
                                                    Map Service Center at http://www.msc.fema.gov/. You may also order
                                                    maps by calling 1-800-358-9616.
       FIRM
       FLOOD INSURANCE RATE MAP

       BREVARD COUNTY,
                                                    FEMA publishes Flood Insurance Rate Maps (FIRMs) and Flood Insurance
       FLORIDA AND
       INCORPORATED AREAS
                                                    Studies for communities in Florida.

       PANEL 464 OF 727
                                                    All FIRMs show Special Flood Hazard Areas (SFHAs). The flood hazard may
       CONTAINS
                                                    be determined by approximate or detailed methods. The Floodway may be
       COMMUNITY

       INDIAN HARBOUR BEACH
                              NUMBER PANEL SUFFIX

                               125116    0464   E
                                                    modeled as part of the analysis.
       CITY OF
       MELBOURNE, CITY OF      1290125   0464   E
       UNINCORPORATED AREAS   125092     0464   E

                                                    Flood hazard studies may be prepared by local governments, state and
       PANEL LOCATION
                                                    federal agencies, special districts, or by engineering companies working for
                                                    private property owners and developers.
                              MAP NUMBER:
                              12009C0464 E
                         EFFECTIVE DATE:            To revise the FIRM, studies may be submitted as a Letter of Map Revision
                               APRIL 3, 1989        (LOMR). FEMA will review the data and revise the FIRMS as appropriate.

      Federal Emergency Management Agency
                                                    Not all waterways have designated floodplains - but all waterways can flood,
                                                    even though a flood hazard study may not have been prepared.

 Flood Maps and Flood Insurance Studies should be available for viewing at your local planning or permit office.
15                                                                                                                        Florida Quick Guide
Online Flood Map Tools

You can view FIRMs and print clips from FIRMs called FIRMettes by using FEMA’s online tools at the FEMA
Flood Map Store at: http://www.msc.fema.gov/.
                                                         From the Map Store you can:
     KENSI




                                 78
                                    4

             B O U L E VA R D                                                            ZONE C                  RY   	 Locate a FIRM by state, county and




                                                                                                             O
                                                                                                                         community and FIRM panel.




                                                                                                           G
                                                                                                         AD
                                                                                                         E
                       RM167




                                                                                                         R
                                                                                                             O
                                                                                                     G
                                                                                                          R
                                                                                                                      	 Zoom in or out to view a specific area of a FIRM.

                                                                                                                      	 Create a FIRMette showing a specific area




                                                                                        OAK
                                                                                               ZONE C
                                                                                                                         of the FIRM, the FIRM Title Block, north arrow




                                                                                         WOO
                                                  OAK
                                                                                                                         and FIRM approximate scale.




                                                                                          D
                                                                           ZONE B
                                                        ZONE C
                                                                                                R




                                                                                               D
                                                  WOO                                               IV




                                                                                                     E
                                                                                                                      	 Print the FIRMette.
                                                    D

                                                                                         ZONE C




                                                                          MI
                                                                             CK
                                                        DR


                                                         V




                                                                                MA
                                              ZONE B         E
                                                                                                                      	 Save the FIRMette as an Adobe PDF or an
                                                         I




                                                                                   NS
                                                                                                                         image file.
                                                                                               MI
                                                                                                  LL
                                                                 ZONE B
                                                                                                                      	 Click on What is a FIRMette? on the Flood
                                79




       S     RACE                                                                                            RO
                                  0




                                                                                                                         Map Store web page for detailed instructions
                                         AD
                                        RO




                                                                                               ZONE A
                                                                                                                         on how to make a FIRMette file.
                                RIVER




 From the Flood Map Store you can also purchase a CD-ROM containing the FIRMs and related information for
 your community.
16                                                                                                                                                     Florida Quick Guide
The Flood Insurance Rate Map (Riverine)


                                                                                                                                                                                     1   Base Flood Elevation (BFE)




                                                                                        BR




                                                                                                      CT
                                                                                                                                                                                         Water surface elevation, rounded to nearest foot,




                                                                                     ER




                                                                                                      AY
                                                                                   AT
                                                                                    W




                                                                                                    AW
                                                                                  ET                                                           BONE
                                                                                                                                                       SET B
                                                                                                                                                                                         of the base flood at specific locations (cross-




                                                                                                 AR
                                                                              E                                                                              RANC
                                        ZONE                                SW                                                                                    H




                                                                                                C
                                                                                                                                                                            LN
                                          X
                                                                                                                                           CA
                                                                                                                                             TT
                                                                                                                                                                                         sections).
                                                                                                                                               A IL
                                                                                                                                                      CR

                                                                                                                                                                                     2   Elevation Reference Marks (RM) Points
                                                          Cunni
                                                                         ngham                                                                                                           for which ground elevation data have been



                                                                                                   RM
                                                                                                      9
                                                                                                     8
                                                                                 Cree




                                                                                                  5-2
                                                                                            k
                                                                                                                                                                                         established and recorded on the FIRM or in the
                                                                                                                                                                                         Flood Insurance Study. (Reference for illustrative
                                                                                                                                                                                         purposes only).
                                     F




                   ST DR.
            KCRE
     H AW


                                                                                                           ZONE
                                                                                                            AE                                                                       3   The Floodway is the "cross-hatched” area. The
                                                                                                                                                                                         floodway is the area where most conveyance and
                                                     WHITE WING
                                                      DOVE PL
                                           DR E




      CRANE
        CT

                                                                                                                                                                                         high velocity flows occur.
                                                 E




                                                                                                                                       A
                                        PERREGRIN




                                                                          ZONE
                                                                            X                                                                               ZONE X




                                                                                                                                                                                 G
                            FALCON
                                                                                                                                                                                     4   Zone X (shaded) shows low risk areas subject
                                                                                                           CREEK BEND RD




                              CT
                                                           HAWKCREST D




             RINE DR
                     E
                                                                                                                                                                                         to the 0.2% annual chance flood (500-year flood)
       PERREG                                                                                                                                                   WA
                                                                                                                                                                                         (formerly Zone B).

                                                                                                                                                                        Y
                                                                                                                                                  E   ST HOLLOW
                                                                                                                           POND VIEW       F   OR
                                                                                        9
                                                              RE




                                                                                                                              CT
                            ZONE
                              X                                                                                                                                                      5   Zone X (unshaded) is all other areas considered
                                                                                                                                                                                         low risk (formerly Zone C)
                                                                                   10
L ROOST
   CT
                            WEB FO
                                   OT
                                        PL
                                                                                                                           Big Lige
                                                                                                                           Branch                                                    6   Zone A, AE, A1-A30, AO and AH are subject
                                                                                                                                                                                         to flooding by the base or 1% annual chance
                                                      ZONE
                                                       AE
                                                                                   11
                                                                                                                                                                DY
                                                                                                                                                                   DR
                                                                                                                                                                                         flood, (100-year flood) and are considered to be
                                                                                                                                                                                         high-risk areas.
                                                                                                                                                            N
                                                                                                                                                       GA
                                                                                                                                           N. BUR
                                                                             12




17                                                                                                                                                                                                                       Florida Quick Guide
The Countywide Flood Insurance Rate Map


Many newer FIRMs combine counties                                                     ORANGE COUNTY
                                                                                                           520
                                                                                                                 ZONE X
                                                                                  UNINCORPORATED AREAS
and incorporated municipalities.                              ZONE A        532
                                                                                     ZONE X




                                            TAY
                                                LO
Zone X (unshaded) is all other areas                                                                                      ZONE AE




                                               RC




                                                                       AD
                                        1




                                                                     RO
                                                REE
considered low risk (formerly Zone C)




                                                                  VA
                                                     KR




                                                                 NO
                                                     OA
                                                      D
Zone X (shaded) shows low risk
                                        2
areas subject to the 0.2% annual
chance flood (500-year flood)
(formerly Zone B)                                                                    ZONE X

                                                                      ZONE A

Zones A and AE are subject to           3
                                                                                       ZONE AE

flooding by the base or 1% annual                         ZONE




                                                                 18
chance flood (100-year flood) and are                       X
                                                                                     ZONE X
considered to be high-risk areas.
                                                     ZONE A
Some countywide maps show other                                                               ZONE X

flood zones.



18                                                                                                       Florida Quick Guide
Use the Riverine Flood Profile to Determine BFEs


                                            5 0 0- YEAR FLOOD                                                            Flood profiles can be used




                                                                              Road
                                            1 0 0- YEAR FLOOD
                                                                                                                         to determine the BFE at
                                             5 0- YEAR FLOOD
                                                                                                                         a specific site. Profiles
                                             1 0- YEAR FLOOD
                                                                                                                         also show estimated water
                                              STREAM BED
                                                                                                                         surface elevations for floods
                                 A
                                             CROSS SECTION
                                               LOCATION
                                                                       1                                                 other than the 100-year
                                                                                                                         flood.

                                      2                                                                              1   On the Flood Insurance
ELEVATION IN FEET (NGVD)




                           120                                                                                           Rate Map, locate your site
                                                                                                                         by measuring the distance
                                                                                                                         along the centerline of the
                                                                                                                         stream channel from a cross
                           110                                                                                           section, for example, E or
                                                                                                                          F .


                                                                                                                     2   Scale that distance on the
                           100                                         1
                                                                                                                         Flood Profile and read up to
                                                                                                                         the profile of interest, then
                                                                  E            F
                                                                                                                         across to determine the
                                     4000       5000       6000       7000     8000      9000     10000      11000       elevation. (Answer: 123
                                                                  STREAM DISTANCE IN FEET ABOVE CONFLUENCE
                                                                                                                         feet)

19                                                                                                                                 Florida Quick Guide
Approximate Zone A


Topographic maps                                                                                               Approximate A zones are drawn
                                     ZONE C
can be used to




                                                                HAW
                                                                                                               based on existing information,




                                                                       ST.
                                                        SWORD                     ST
estimate the Base                                                                                              not engineering studies. FEMA
Flood Elevation            ZONE A
                                                                                                               checked with the U. S. Army




                                                                                       ST.
                                                                 MAY
(BFE).                                   EA                              PECAN                  ST.
                                                                                                               Corps of Engineers, the




                                        L
                                              F




                                                                                       VIRGIL
                                                                                                               U. S. Geological Survey, the




                                                                                                      ST.
                                                                       HANCOCK                  DR
                                                                                                               State, local offices, and historic




                                                  ST.
                                                                                                               records. When existing informa-
                                                                                                               tion was lacking, an approximate




                                                                       RI
                                                                             ER




                                                                          V
                                                                                                               delineation was performed.




                                                                                                      NORRIS
                                                                        ZONE A




                    ZONE
                      A                                                                                        If you need help in determining the
                                                                                                               BFE, check with your community
                                                                                                               permit office. FEMA publication
 150
       RM 219 X              OUTER       B E LT           ROAD
                                                                                                               Managing Floodplain Development
                                                                                                               in Approximate Zone A Areas (FEMA
                                                                                                               265) is useful for engineers.



20                                                                                                                              Florida Quick Guide
Understanding the Coastal Floodplain                                                                  Terms and
                                                                                                      Definitions
                                                                                                The Coastal High Hazard Area
              V Zone                         COASTAL AE ZONE                                 (V Zone) is the area of the special
        Wave Height > 3 ft                        Wave Height < 3 ft                         flood hazard that extends from
                                                                                             off-shore to the inland limit of a
                                                                                             primary frontal dune along an
     BFE Including            Properly Elevated
                                                                                             open coast and any other area
     Wave Effects             Building                                                       subject to high velocity wave
                                                                                             action from storms or seismic
                                                                                             sources. The area is designated
100-Year Stillwater
Elevation
                                                                                             on the FIRM as Zone V, VE, or
Datum
                                                                                             V1-30.
(e.g. NGVD, NAVD)
                                  Non-elevated Building                                      The term Coastal AE Zone means
                                  Constructed Before Community entered the NFIP
                                                                                             the portion of the SFHA landward
                                                                                             of the V Zone or landward of a
                                                                                             shoreline that is not riverine, but
                                                                                             is associated with astronomical
                                                                                             tides, storm surges, seiches,
                                                                                             or tsunamis. Coastal AE Zones
                                                                                             may be subject to wave effects,
     Shoreline Sand Beach    Buildings    Overland       Vegetated       Limit of 100-Year
                                                                                             velocity flows, erosion, scour, or
                                         Wind Fetch        Region      Flooding and Waves
                                                                                             combinations of these forces and
                                                                                             may be treated as V Zones.

21                                                                                                          Florida Quick Guide
                                                                                                                                                                                                                                                                           35

                                                                                                                                                                                                                                                                      CAPE KENNEDY
                                                                                                                                                                                        34        33                                                                  AIR FORCE STATION


                                                                                                                                                                                                                                         39 38
                                          BFEs
Use the Transect Map to Determine Coastal41
                                                                                                                                                                                                                                                                           40
                              36
                                       42
                                                                                                                                                                                             37    43
                                                                                                                                                                                                                                    46
The FEMA Flood Insurance Study (FIS) contains a Transect Map with the locations of transects included in
                            44     48   47
                                                   45


the study.                   53
                               58
                                  52
                                       51
                                           50

                                                                                                                                                                                                                                   55                      49

EXAMPLE: Verify the BFE for a site approximately 500 feet south
                          COCOA
                                       ISLAND 56      54
                                                                                                                                                                                                        57   MERRITT
                                                                                                                                                                                                                                                                                                                      2      Refer to the Transect Table to
of Ocean Dunes Drive.
                                    64      62 61 60
                                                     59                                                                                                                                                                                                                                                                      confirm the location as applicable
                                   65    63
                                                                                                                                                                                                                  69    67                    Cocoa Beach                                                                    (in this case, Transect #95).
                                                                                                                                                                                                                       68     66
         1
                                       3                     6
                                                                                                                                                                                                             74                                                                                                           TABLE 4 - TRANSECT LOCATIONS STILLWATER
                                                                                                                                                                                                             the 71
                                                                                                                                                                                                       From 73 72Transect Map, identify
                                       8
                                                 7



                                                                                                                                                                                                                                                                                                                            STARTING ELEVATIONS AND INITIAL WAVE
     2

                                                                                                                                                                                                                         70
              4
                                                                      12




                                                                                                                                                                                             1
         5                                            13                    18
                       9
                                                             19
             10              11                       14




                                                                                                                                                                                                       transects in the vicinity of interest.                                                                                         CREST ELEVATIONS
                                                                                                                                                                                                                  77
                                            15
                                                            20


                       16
                                 17                                                                   27

                                                                                                                                                                                                            76 75
                                                                                     28
                  22             21              Merritt

                                                                                                                                                                                                                             80 79                              78
                                                                                     29
                                                                       SP




                                                                                                                                                                                                                  82 81
                            23
                                                                         AC
                                                                            E




                                 24                                                                                       32




                                                                                                                                                                                                                                                                                                                          Elevation (Feet NGVD)
                                 25
                                                                Brevard County
                                  26
                                             30
                                                                                                                                                                                                                        85 84                          83
                                                                                                                                                                                                                  87 86
                                       31                              Island
                                                                                          CE
                                                                                           NT
                                                                                             ER




                                                                                                                                                                                                                                                                                                                          Transect      Location     Stillwater   Wave Crest
                                                                                                                                         35

                                      34          33
                                                                                                                                    CAPE KENNEDY
                                                                                                                                    AIR FORCE STATION
                                                                                                                                                                                                                     89     88
                                                                                                      39 38                              40
                                                       36
                                                                                                    41

                                                                                                                                                                                                                                                            90
                                                                                           42

                                            37        43
                                                                                                 46                                                                                                                          94     92
                                                                                                                                                                                                                                                                                                                            95     From the Atlantic    10.0         15.0
                                            44                                                                                 45
                                                       48                            47
                                             53
                                                 58
                                                      52
                                                                                     51
                                                                                                50
                                                                                                                                                                                                                                   93     91
                                                                                                                                                                                                                                                                     95
                                                                                                                                                                                                                                                                                                                                   coastline, approx-
                                                                      MERRITT                   55                       49
                                                           57
                                                                      ISLAND 56                                     54
                                 COCOA
                                                                 64         62       61         60
                                                                                                                                                                                                                                         96
                                                                                                                                                                                                                                   97
                                                                                                                   59
                                                            65         63



                                                                                                                                                                                                                                                                                                                                   imately 700 feet
                                                                           69    67                        Cocoa Beach
                                                                                68         66
                                                                      74
                                                                                      72       71                   70
                                                                                                                                                                                                                                               99                     98
                                                                                                                                                                                                                                        100
                                                                                                                                                                                                                                                                                                                                   south of Ocean
                                                                           73
                                                                                           77
                                                                           76 75
                                                                                          80 79                               78

                                                                                                                                                                                                                                                                 101
                                                                                                                                                                                                                                         103 102
                                                                           82 81



                                                                                                                                                                                                                                                                                                                                   Dunes Drive,
                                                                                 85 84                               83
                                                                           87 86
                                                                              89     88

                                                                                                                                                                                                                                                                      104
                                                                                                                                                                                                                                                                                                                                   extending west.
                                                                                                 92                       90
                                                                                          94
                                                                                                93       91
                                                                                                                                   95                                                                                                                105
                                                                                                                                                                                                                                                                            107
                                                                                                      96

                                                                                                                                                                                                                                               106
                                                                                                97

                                                                                                              99                    98
                                                                                                     100




                                                                                                                                                                                                                                                                                                                            96     From the Indian        3.0         4.0
                                                                                                                               101
                                                                                                         103 102
                                                                                                                                    104

                                                                                                            106
                                                                                                                   105
                                                                                                                                          107                                                                MELBOURNE                                     108
                                                                      MELBOURNE
                                                                                                                                                                                                                                                 109                            110
                                                                                                                                                                                                                                                                                                                                   River east bank,
                                                                                                                         108
                                                                                                                                                OSCEOLA CO.
                                                                                                                                                              BREVARD CO.




                                                                                                               109                            110

                                                                                                                              111
                                                                                                                    112
                                                                                                                                                    113
                                                                                                Palm Bay
                                                                                                                           115

                                                                                                                                                                                                                                                                111
                                                                                                                                                                                                                                                                                                                                   across Merritt
                                                                                                                                    114

                                                                                                                                                                                                                                                      112
                                                                                                                                                          116
                                                                                                                                         117
                                                                                                                                   118
                                                                                                                                                                119
                                                                                                                                              120
                                                                                                                                                                                                                                                                                      113
                                                                                                                                                                                                                                                                                                                                   Island Point
                                                                                                                                        121                       122
                                                                                                                                                123
                                                                                                                                                                      125                                                          Palm Bay
                                                                                                                                                                                                                                                             115
                                                                                                                                          124

                                                                                                                                                          126               128




                                                                                                                                                                                                                                                                                                                                   betweenEleuthra
                                                                                                                                                    127

                                                                                                                                                      130
                                                                                                                                                              129                 131
                                                                                                                                                                                                                                                                      114
                                                                                                                                                                                                                                                                                            116
                                                                                                                                                                 132
                                                                                                                                                          133                     134




                                                                                                                                                                                                                                                                     118
                                                                                                                                                                                                                                                                           117
                                                                                                                                                                                                                                                                                                                                   Street andBahama
                                                                                                                                                                                                                                                                                                  119
                                                                                                                                                                                                                                                                                120                                                Drive, extending east.
                                                                                                                                                                                                                                                                          121                      122
                                                                                                                                                                                                                                                                                  123
                                                                                                                                                                                                                                                                            124                         125

22                                                                                                                                                                                                                                                                                          126           128                                       Florida Quick Guide
                                                                                                                                                                                                                                                                                      127

                                                                                                                                                                                                                                                                                              129               131
Use the Transect Map to Determine Coastal BFEs (Continued)
                                                                                                                                                                               Find the Stillwater Elevation summary table
 3 Refer to the applicable Flood Insurance Rate Map (FIRM)                                                                                                                 4
     panel to verify the location.                                                                                                                                             in the FIS to determine the range of the BFE.


                                                                                                        APPROXIMATE SCALE IN FEET                                                     FLOODING SOURCE         FLOOD INSURANCE                  STILLWATER ELEVATION        ZONE   BASE FLOOD
                                                                                                                                                                                         AND TRANSIT           RATE MAP PANEL                      (FEET NGVD)                    ELEVATION 1,2
                                                                                               500                          0                           500

ZONE X                                                ZONE VE                                                                                                                                                                          10-YR     50-YR   100-YR   500-YR          (FEET NGVD)
                                                        (EL. 18)                                           NATIONAL FLOOD INSURANCE PROGRAM
                                                                                                                                                                                     INDIAN RIVER
                                                      ZONE VE
                                                         (EL. 13)
                                                                                                           FIRM
                                                                                                                                                                                            93                    461, 442             1.6        2.7     3.3      4.5     AE         3-4
                                          OCEAN                                                                                                                                             94                    442                  1.7        2.9     3.5      4.6     AE         3-5
                                          DUNES
                                                                                                           FLOOD INSURANCE RATE MAP

                        RM 103
                                              DRIVE
                                                                                                           BREVARD COUNTY,                                                           ATLANTIC OCEAN
                                                                                                           FLORIDA AND
                                                                                                           INCORPORATED AREAS                                                               95                    464                  4.6        6.8    10.0     10.3     VE      12 - 15
                         E
                     DRIV
         PINE TRE
                 E                                     ZONE AE                                                                                                                                                                                                             AE      10 - 12
                                                           (EL. 11)                                        PANEL 464 OF 727
                                                                                                                                                                                     INDIAN RIVER

                                                                                                           CONTAINS                                                                         96                    463                  1.6        2.6     3.0      4.2     AE         3-4
                                                                                                           COMMUNITY              NUMBER PANEL SUFFIX
                                                                                                                                                                                            97                    444                  1.6        2.6     3.1      4.1     AE         3-4
                                                                                                           INDIAN HARBOUR BEACH    125116    0464   E


             City of
                                                                                                           CITY OF
                                                                                                           MELBOURNE, CITY OF      1290125   0464   E                                ATLANTIC OCEAN
                                                                                                           UNINCORPORATED AREAS   125092     0464   E



         Indian Harbour                                                                                    PANEL LOCATION
                                                                                                                                                                                            98                    464                  4.5        6.7     9.93    10.1     VE
                                                                                                                                                                                                                                                                           AE
                                                                                                                                                                                                                                                                                   12 - 15
                                                                                                                                                                                                                                                                                   10 - 12
             Beach                                                                                                                                                                   INDIAN RIVER
             125116                                                                                                               MAP NUMBER:
                                                                      ATLA

                                                                                                                                  12009C0464 E                                              99                    527                  2.4        3.5     4.0      5.3     AE         4-5
                                                                                                                                                                                           100                    526                  2.4        3.5     4.0      5.3     AE         4-5
                                                                                                                                EFFECTIVE DATE:
                                                                                                                                   APRIL 3, 1989                                     ATLANTIC OCEAN

                                                                                                                                                                                           101                    527                  4.5        6.7     9.93    10.1     VE      12 - 15
                                                                           N


                 PALM   SPRINGS   BOULEVARD

                                                                                                          Federal Emergency Management Agency                                                                                                                              AE      10 - 12
                                                                        TIC




                                                                                                                                                                               1
                                                                                                                                                                                 Rounded to the nearest foot and may include effects
                                                                                                                                                                                of wave action.
                                                                               This is an official copy of a portion of the above referenced flood map. It was extracted       2
                                                                                                                                                                                 Due to map scale limitations, base flood elevations
                                                                               using F-MIT Version 1.0. This map does not reflect changes or amendments which                   shown on map may represent average elevations
                                                                               may have been made subsequent to the date on the title block. Further information                for the zones depicted.
                                                                               about National Flood Insurance Program flood hazard maps is available at                        3
                                                                                                                                                                                 Includes the effects of wave setup.
                                                                               www.fema.gov/mit/tsd.




NOTE: The Summary Table also lists 10, 50 and 500-year elevations used for regulatory purposes. Notice
that the BFEs on the FIRM correspond to those in the Summary Table. However, in Special Flood Hazard
Areas/floodplains where BFEs have been determined, always consult the FIS.
23                                                                                                                                                                                                                                                       Florida Quick Guide
The Flood Insurance Rate Map (Coastal Zones)


                                                                     COASTAL FLOOD HAZARD ZONES
             ZONE A11
                 (EL. 13)                                            Zone A, Zones A1-A30, and Zone AE
                                                                     are subject to flooding by 1% annual
                              ZONE A11                               chance flood (100-year flood), and
                                (EL. 12)
              ZONE B                                                 waves less than 3 feet.

                                                                     Zone B (or shaded Zone X) is subject
                                                                     to flooding by the 0.2% annual chance
                                                                     flood (500-year flood).
                                ZONE A11
                                   (EL. 13)
                                                      ZONE C         Zone C (or unshaded Zone X) is all
                                                                     other areas.
                                                        ZONE A11     Zone V, Zones V1-V30, and Zone VE
        ZONE V14                                          (EL. 12)
                                                                     are where waves are expected to be 3
                                            DR
          (EL. 16)                             IV
                                                 E                   feet or higher.
                                     ZONE V14                        Base Flood Elevation (BFE) Water
                                           (EL. 14)
                                                                     surface elevation in feet above mean
                                                                     sea level of the base (1% annual
                                                                     chance)flood at specific locations.

24                                                                                        Florida Quick Guide
Coastal Barriers Resource (CBRS) Areas
                                  TARPON BAY                                                                LEGEND
                                                 ZONE VE
          ZONE AE                                  EL.9                            SPECIAL FLOOD HAZARD AREAS SUBJECT TO
            EL.9                                                                   INUNDATION BY THE 1% ANNUAL CHANCE FLOOD
                                                           ZONE AE                 The 1% annual chance flood (100-year-flood), also known as the base
                                                             EL.9                  flood, is the flood that has a 1% chance of being equaled or exceeded
                                                                                   in any given year. The Special Flood Hazard Area is the area subject
                    OTHERWISE PROTECTED AREA                                       to flooding by the 1% annual chance flood. Areas of Special Flood
                      ESTABLISHED 11-16-1991                                       Hazard include Zones A, AE, AH, AO, AR, A99, V, and VE. The Base
                                                            TARPON BAY             Flood Elevation is the water-surface elevation of the 1% annual chance
                        (SEE CBRS LEGEND)                                          flood.
                                                               ROAD
                                                                                   ZONE AE         Base Flood Elevations determined.
     ZONE AE                                                                       ZONE X          Areas determined to be outside the 0.2% annual
                                                                                                   chance floodplain.
       EL.8                                                                        ZONE VE         Coastal Flood Zone with velocity hazard (wave
                                       AG 9344                                                     action; base flood elevations determined.
                                                             ZONE AE
                                                                                   OTHER FLOOD AREAS
                                                               EL.8
                                                                         ZONE X
                                                           PALM RIDGE
                                       TARPON BAY ROAD                             COASTAL BARRIER RESOURCES SYSTEM (CBRS) AREAS
                                                              ROAD
                                                                                   OTHERWISE PROTECT AREAS (OPAs)

                                                                                   CBRS areas and OPAs are normally located within or adjacent to
                                                            WAX MYRTLE             Special Flood Hazard Areas.
       ZONE AE               AG 1745                           WAY
         EL.7                                                                      Floodplain boundary
                                                                                   Floodway boundary
                                                                                   Zone D Boundary
                                                    ZONE    ZONE AE                CBRS and OPA boundary
                                                                             513
                             TAMARIND ROAD            X       EL.8                 Base Flood Elevation value where uniform within zone; elevation in
                                                                                   feet*




In undeveloped Coastal Barrier Resource System Areas (CBRS), NFIP insurance is not available for new and
substantially improved structures built after October 1, 1983 or subsequently, the date the CBRS area and OPAs were
designated.

25                                                                                                                   Florida Quick Guide
Flood Map Revisions Issued by FEMA



1    Letter of Map Amendment (LOMA) is an official change to an effective
     FIRM that may be issued when a property owner provides additional technical                        Important
     information such as ground elevation relative to the BFE, SFHA and the building.                Information
     Lenders may waive the flood insurance requirement if the LOMA documents a
     structure on ground is above the mapped floodplain.                                      Check FEMA's Flood
                                                                                              Hazard Mapping website

2    Letter of Map Revision (LOMR) is an official change to an effective FIRM                 for more information about
     that may be issued to change flood insurance risk zones, floodplain and boundary         map revisions concerning
     delineations, BFEs, and/or other map features. Lenders may waive the flood insurance     homeowners, engineers, and
                                                                                              surveyors.
     requirement if the approved map revision shows structures to be outside of the SFHA.
                                                                                              To learn the Status of Map

3    Letter of Map Revision Based on Fill (LOMR-F) is an official change to an                Change Requests, call
     effective FIRM that is issued to document FEMA's determination that a structure or       FEMA's Map Service Center
     parcel of land has been elevated by fill above BFE, and therefore is no longer in the    at 1-800-358-9616.
     SFHA. Lenders may waive the flood insurance requirement if the LOMR-F shows a            Information:
     structure on fill is above the BFE and outside of the SFHA.                              http://www.fema.gov/hazard/
                                                                                              map/lomc

4    Physical Map Revision (LOMR-PMR) may be issued for major physical floodplain
     changes that require engineering analyses, such as bridges, culverts, channel changes,   Forms:
                                                                                              http://www.fema.gov/
     flood control measures, and large fills that change the BFE or Floodway. PMRs are
                                                                                              business/nfip/forms
     also issued when a new study updates or improves the FIRM.



                        Requests for map revisions must be endorsed by your community.
26                                                                                                  Florida Quick Guide
What is Meant by Pre-FIRM and Post-FIRM?

                                                                                   Post-FIRM
                                                                           (Newer buildings are elevated)

                          Pre-FIRM
                      (Older buildings are
                      usually not elevated)
                                                                                   FIRST FLOOR AND
                                                                                    LOWEST FLOOR
                                                           BFE
                        FIRST FLOOR AND
                         LOWEST FLOOR




 A building is Pre-FIRM if the "start of construction" commenced before December 31, 1974 or before the effective date
 of the community's initial FIRM, whichever is later. A building is Post-FIRM if the "start of construction" commenced on
 or after December 31, 1974 or the effective date of the initial FIRM, whichever is later.

27                                                                                                     Florida Quick Guide
Nature Doesn’t Read Maps!

                                                                                               Important
                                                                                             Information
                                                                                       Many people don’t
                                                                                       understand just how
                                                                                       risky the floodplain
                                         500-Year                                      can be. There is a
                                         Elevation                                     26% chance that a
                                                      100-Year                         home in the SFHA will
                                                      Elevation                        flood during a 30-year
                                                                                       mortgage period. The
                                                                    10-Year            chance that a major
                                                                   Elevation           fire will occur during
                                                                                       the same period is
                                                                                       only 6%!




 CAUTION! Nature doesn’t read maps! Major storms and flash floods can cause flooding that rises higher than
 the BFE. Consider Safety - protect homes and businesses by building higher. See Page 65 to see how this will
 save money on flood insurance.

28                                                                                         Florida Quick Guide
Safe Uses of the Floodplain

                                     All land subdivided into lots, some lots
                                     partially in the floodplain with setbacks
                                      to keep homesites on high ground.
                                              R ECOM M ENDED




                                                                             Floodplain land put into public/common
                                                                            open space, net density remains, lot sizes
All land subdivided into lots, some
                                                                             reduced and setbacks modified to keep
  homesites and lots partially or
                                                                                   homesites on high ground.
      entirely in the floodplain.
                                                                                       RECOM M ENDE D
     N O T R E C O MME N D E D

 Let the floodplain do its job - if possible, keep it natural open space. Other low damage uses include: recreational
 areas with no buildings, athletic fields, hiker-biker trails, parking areas with gravel or pervious surfaces, tree farms,
 nurseries and gardens, pasture and croplands, reforestation, and created wetlands.
29                                                                                                     Florida Quick Guide
Some Activities Requiring Floodplain Development Permits

    New construction
                                                                                        ance
    Additions to existing structures                                         d   Insur
                                                                           an
    Substantially improved structures




                                                                      ps
                                                                   Ma
    Placing manufactured (mobile) homes
    Subdivision development, including infrastructure
    Temporary buildings and accessory structures




                                                                                                          Tec
                                                                        Partnership




                                                                                                             h
    Agricultural buildings




                                                                                                          nical Assista
    Parking or storage of recreational vehicles                             Reduce Risks
                                                                        Mitigate Flood Damage
    Temporary or permanent materials storage, including
     gas/liquid storage and sand/gravel




                                                             Reg




                                                                                                                       nc
    Roads, bridges, and culverts




                                                                                                         e
                                                                 ula
                                                                    De




                                                                    t
    Fill, grading, excavation, mining, and dredging




                                                                 e
                                                                      v el
                                                                          opment
    Stream alteration or relocation
    Construction or related activities related to CCCL

               YOU NEED PERMITS FOR                    ALL   OF THESE ACTIVITIES
30                                                                                             Florida Quick Guide
Some Key Steps in Floodplain Development Permit Review
The Permit Reviewer has to check many things. Key Questions are:

    Is the site in an identified floodplain?
    Is the site in the mapped floodway?                              Rev
                                                                          iew
                                                                                    Che
	 Have all water management district, state and federal                                   ckli
     permits been obtained?                                                                     s t
                                                                        Floodp
                                                                                lain
    Is the site "reasonably safe from flooding"?                      Floodw
                                                                               ay
    Does the site plan show the Base Flood Elevation?                 BFE
    Does the site plan show existing ground contours?                New C
                                                                              onstru
                                                                     CBRA              ction
    Is substantial improvement being proposed?                              /OPA
                                                                     Elevat
    Is an addition proposed?                                               ed
                                                                    Elevat
    Will new structures and utilities be properly elevated                ion Ce
                                                                   Issue           rtificat
     and anchored?                                                       Permi              e
                                                                                 t
    Will the manufactured home be properly elevated and
     anchored?
    Do the plans show an appropriate and safe foundation?
    Has the owner submitted an Elevation Certificate?
31                                                                                      Florida Quick Guide
Carefully Complete the Permit Application


FLOODPLAIN DEVELOPMENT PERMIT (Excerpts)
                       781                           WATKINS DR
 New House Number___________Street __________________________________________________________________ Apt. _______________
                      DAVID & SALLY BROWN
 Owner Name __________________________________________________________________________________________________________
                     15G            AE
 Flood Map Panel___________ Zone___________ Lot # ________________________________________________________________________
                      SUB J/49 PT of Lot 8 BLK D DESC As comm NE Cor of Lot 9 Run th W 145 Ft
 Legal Description: ______________________________________________________________________________________________________
  To POB
 _____________________________________________________________________________________________________________________
                       $68,500
 Est Cost of Project:__________________
                     Buildings                                          X                            X
 TYPE OF DEVELOPMENT:_______________EXCAVATION: _______________FILL: _______________GRADING:________________________
                                            Two-Family Home, Two Detached Garages
            Buildings or other structures: __________________________________________________________________________________
                              Res
 RES or COMMERCIAL: _________________




                                                                                                                                                                                        WATKINS DRI
 LOCATION IN FLOODPLAIN:                                                                                                              ZONE X
                                                                                                                                                                              J


               x
            a:_____       Inside regulatory floodway limits.              c: _____  Inside floodplain-no regulatory floodway establishd.
               X
                                                                                                                      BLVD
            b:_____       Outside floodway limits.                        d: _____  Outside floodplain limits.
                                                                                                                                                                   1
 DEVELOPMENT STANDARDS DATA:                                                                        LIMIT OF
                                                                                                                                                                 33

                                                  86 MSL (NGVD).
            1. If a or c above is checked, attached engineering certification and supporting da     AILED SATUDY
                                                                                                       RM66
                                                                                                                                                               x
            2. Required lowest floor elevation ___________                                             x
                                                                                                             C                                            J
                                                                                                                                                               RM53
                                                                                                                                                                                  32
                                                                                                                                                                                    9
 ______________________________________________________________________________________________________________________
                                                                                                                                                                                                        4
                                                                                                                                   ZONE X                                                             32
 Approved for Compliance:                                                                                          D DR
                                                                                                                                                              ZONE X                                        x
                                                                                                                                                                                                            RM52
                                                                                                                                                                                                              4
                                                                                                                   ZONE X
                                                                                                                                                                                                            32
                                                                                                                                       332
                                                                                                                                         Tributary 6 to
                                                                                                                   NE AE                 Hanging Moss                  ZONE AE




                                                                                                                               5
                                                                                                                                             Creek




                                                                                                                            33
                                                                                                                                       LIVINGSTON LN                                    I




                                                                                                                                                                       Road
                                                                                                                                      328



 Good information will lead to better construction and less exposure to future flood damage.
32                                                                                                                                                            Florida Quick Guide
Think Carefully Before You Seek a Variance
                                                         Very specific conditions must be satisfied to justify a
                                                         variance:

                                                         	 If in a floodway, the project causes no increase in
                                                            flood level.
                     LOWEST                                 Shall not cause additional threats to public safety or
     BFE                                                     extraordinary public expense.
                    HORIZONTAL
                     MEMBER
                                                         	 Historic structures must meet specific historic
                                                            structure designation requirements.
                                                            Variances may be considered for accessory (see Page
                                                             57) and agricultural structures.
               Example of V Zone Structure               Review the variance provisions of your community flood
                                                         damage prevention ordinance for specific guidance.
              Post-FIRM building,
                 not elevated                            A variance that allows construction below the BFE does
                                                         not waive your lender's flood insurance requirement. Flood
           Insurance $4,000 +/year
                                                         insurance will be very expensive - perhaps more than
                                                         $4,000 per year (see Page 65).

 Review carefully before issuing a variance to build below the BFE. Not only will the property be more likely to get
 damaged, but insurance will be very costly. If your community has a pattern of granting variances inconsistent with
 the local ordinance, FEMA can impose sanctions - costing even more!

33                                                                                                  Florida Quick Guide
Floodplain Fill Can Make Things Worse

                       Floodplains are supposed to store floodwater. If storage space is filled with dirt and
                       other fill, future flooding may increase. Floodplain fill can alter other valuable floodplain
                       functions, including wildlife habitat and wetlands.




                                                                               Natural Floodplain




                                      fill

                                                                               Obstructed With Fill



 Make sure your floodplain fill project won’t harm your neighbors. Floodway fill may be allowed ONLY if an engineering
 evaluation demonstrates that “no rise/no impact” in flood level will occur (see Page 35).

34                                                                                                   Florida Quick Guide
The Floodway “No-Rise/No Impact ” Certification
                                                                                                        rida
                                                                                                 n, Flo
                                                                                      , An ytow
                                                                              g, Inc.
                                                                       eerin
                                                                 Engin
                                                           XYZ
	Floodways can be dangerous because water may                   ber 1
                                                                       2, 20
                                                                               07
                                                            Octo                       ager
     flow very fast.                                                            Man
                                                                      dplain eet
                                                             Mr. Floo       Str
                                                                     Main          a
                                                             1000 wn, Florid                  treet
	Development is not allowed unless “no rise, no impact”      Anyt
                                                                    o                 son S
                                                                               Jack rida
                                                                       1200 wn, Flo                                       d
     in flood levels is certified.                                                                                alifie
                                                               Re:            o                            ly qu
                                                                        Anyt                          a du censed
                                                                                                 I am eer li
                                                                                           hat                           to
                                                                                   rtify t         Engin        . It is        ata
	An engineer must evaluate the hydraulic impact of                         to ce essional of Florida chnical d
                                                                    his is Prof                    e           te              e
                                                                  T
                                                                         s ed             e  Stat ttached              ( Nam
     proposed development.                                         licen ctice in th t the a                   osed Base
                                                                          a                 a           prop
                                                                    to pr r certify th t that the pact the and
                                                                           e                c           im                s
                                                                     furth rts the fa will not elevation eam)
                                                                             o               t)          y                tr
	A “no rise, no impact” certification is recommended                 supp elopmen floodwa me of S Study
                                                                              v                ,           a
                                                                       of De Elevation ths on (N nsurance te of
     and must be signed, sealed, and dated by a                               d                id
                                                                        Floo odway w he Flood dated (D
                                                                                                             I               a
                                                                                o                t          ),
     Professional Engineer licensed in Florida.                          the fl lished in mmunity
                                                                                  b              o
                                                                          as pu me of C
                                                                                   a
                                                                           for (N e FIS).
                                                                                   tiv
	Check with your community for guidance before                             Effec

     you decide to work in a floodway.




         The engineering analysis must be based on technical data obtained from FEMA.
                       Reduce flood risk - don’t build in the Floodway!
35                                                                                                               Florida Quick Guide
What is an Elevation Certificate and How is it Used?



    The Elevation Certificate (EC) is a FEMA form. Download a copy
     from http://www.fema.gov/business/nfip/forms.shtm.

    The EC must be completed and sealed by a registered surveyor or
     licensed Professional Engineer when the floodplain has BFEs.

    A community official may complete the EC for sites in
     approximate flood zones.

    The EC can be used to show that sites are located on natural
     ground above Base Flood Elevation (see Page 38).

    The EC is used to verify that buildings are elevated properly
     (see Page 39).

    Insurance agents use the EC to rate/write flood insurance
     policies.

 By itself, the EC cannot be used to waive the requirements to
 get flood insurance. See Page 26 for information about Letters of
 Map Amendment (LOMA).
36                                                                     Florida Quick Guide
Completing the Elevation Certificate
                                                     ELEVATION CERTIFICATE (partial)
                                                                    SECTION C - BUILDING ELEVATION

C1. Building elevations are based on:        Construction Drawings*                Building Under Construction*          Finished Construction
    *A new Elevation Certificate will be required when construction of the building is complete.

C2. Elevations - Zones A1-30, AE, AH, A (with BFE), VE, V1-V30, V (with BFE), AR, AR/A, AR/AE, AR/A1-A30, AR/AH, AR/AO. Complete Items C2.a-g

                                                                                                       NAVD 88
    below according to the building diagram specified on Item A7.
    Benchmark Utilized     N/A                                                            Vertical
    Conversion/Comments
                                                                                                                                                                         attached
     a)   Top of bottom floor (including basement, crawlspace, or enclosure floor)              86.0
                                                                                         __________ ____ X        feet      meters (Puerto Rico only)                    garage
     b)   Top of the next higher floor                                                          N/A
                                                                                         __________ ____          feet      meters (Puerto Rico only)
     c)   Bottom of the lowest horizontal structural member (V Zones only)                      N/A
                                                                                         __________ ____          feet      meters (Puerto Rico only)
     d)   Attached garage (top of slab)                                                         82. 5
                                                                                         __________ ____ X        feet      meters (Puerto Rico only)
     e)   Lowest elevation of machinery                                                         86. 0
                                                                                         __________ ____ X        feet      meters (Puerto Rico only)
          (Describe type of equipment in Comments)
     f)   Lowest adjacent (finished) grade (LAG)                                                82. 5
                                                                                         __________ ____ X        feet      meters (Puerto Rico only)
                                                                                                                                                                          electrical box
     g)   Highest adjacent (finished) grade (HAG)                                               86. 0
                                                                                         __________ ____ X        feet      meters (Puerto Rico only)
                                                                                                                                                                          wired from
                                                                                                                                                                          ceiling
                                                                                                                               (a)                                                  BFE
In this example, the BFE is 85.                                                                           (g)                                              (e)
The slab-on-grade house was elevated
on fill 1’ above the BFE, and the                                                                                                                       flood opening
                                                                                                                                                                                    (d)
attached garage is 2.5’ below BFE.
                                                                                                                                             water heater

*Fill not allowed in V-Zones                                                                                      compacted fill*
                                                                                                                                             elevated on a              (f)
                                                                                                                                             platform

 You must have a registered surveyor, licensed Professional Engineer or registered architect, authorized by the state to
 certify such information, complete the Elevation Certificate and seal it. The Elevation Certificate includes diagrams for
 eight building types. Several points must be surveyed.

37                                                                                                                                                                Florida Quick Guide
Is Your Building Site Higher than the BFE?



                                                           TION
                                                      ELEVA CATE
                                                          IFI
              Sealed Signature                        CERT      DE
                                                                 A
                                                            ST GR
                                                       LOWE ENT TO
                                                        ADJAC HIGHER                             LO
                                                            ING                            Natural MA
                                                       BUILD N BFE                                 g
                                                                                          your bu round at
                                                           THA                                   ilding s
                                lowest                                                     above t        ite is
                                                                                        manda      he BFE..
                                natural
                                                                                               tory pu      .
                                ground
                                                                                       require         rchase
                                next to                                                        me
                                building                                                insuran nt of ood
                                                                                               ce does
                                                                                                        not
            BFE                                                                               apply.




 If your land is shown on the maps as “in” the floodplain but your building site is higher than the BFE, get a registered
 surveyor, registered architect or licensed Professional Engineer to complete a FEMA Elevation Certificate (EC). Submit
 the EC with an application to FEMA and a LOMA may be issued (See Page 26). This is the ONLY way to remove the
 requirement to purchase flood insurance. Keep the certificate with your deed, it will help future buyers.

38                                                                                                    Florida Quick Guide
The Lowest Floor
              Terms and
              Definitions
        Lowest Floor - the lowest floor of the lowest enclosed area (including
      basement). An unfinished or flood resistant enclosure, usable solely for
      parking of vehicles, building access or storage in an area other than a
      basement area is not considered a building’s lowest floor; provided that                  TION
      such enclosure is not built so as to render the structure in violation of the      E LEVA CATE
                                                                                             TIFI
      applicable non-elevation design requirements.                                      CER      ant
                                                                                                 pli
                                                                                            Com loor at
                                                                                                   F
                                                                                               est      FE
                                                                                           Low     ve B
                                                                                            or abo




      compacted fill*

                                                                                      *Fill not allowed in V-Zones


 If the lowest floor of a structure is at or above the BFE, a completed Elevation Certificate can be used to get
 lower cost flood insurance (see Page 65).

39                                                                                              Florida Quick Guide
The V Zone Certificate


                         Florida V Zone Building Design and Performance Certificate (Partial)

                                                         Section 2: Elevation Information

                         1. Elevation of the Bottom of the Lowest Horizonal Structural Member.............._______feet.                   17
                                                                                                                                          16
                         2. Base Flood Elevation......................................................................................._______feet.
                         3. Elevation of Lowest Adjacent Grade (LAG)......................................................_______feet.     6
                                                   X
                         4. Foundation type: Piling___/ Pier___/ Column___
                                                              Driven wood piles, NO
                            Foundation Description: ____________________________________________________
                                                 obstructions EXCEPT open stairs
                            ________________________________________________________________________
                         5. Approximate depth of scour/erosion used for foundation design ....................._______feet.                 3
                         6. Embedment depth of pilings or foundation below LAG ...................................._______feet.            16




                               A licensed Professional Engineer or registered architect must review
                               and/or prepare your building design, as well as complete the V Zone
                               certification for any new construction, substantial improvement, or
                               the repair of a substantially damaged structure.
                               RESOURCES: Coastal Construction Manual (FEMA 55CD), June 2000;
                               Homebuilders Guide to Coastal Construction (FEMA 499), March 2005;
                               Recommended Residential Construction for the Gulf Coast (FEMA 550), 2006.

40                                                                                                                     Florida Quick Guide
How to Elevate Your Floodplain Structure

            Elevate on Foundation Walls                                                Elevate on Fill
                                                                                                                 service
service equipment                                                                                        equipment such
such as utilities                          enclosed area used                                                as utilities
and electrical                             only for parking,                                              and electrical
circuits above                             access or limited                                                    circuits
flood level                                storage



flood
openings on
each wall                                                 lowest floor
allow water
to flow in and
drain out

                                                                           1'
                                                                       2' min.
                                                                                               compacted fill*
                                                      BFE
*Fill not allowed in V-Zones
                                                                             recommend to at least 10’-15’ beyond house

 CAUTION! Enclosures (including crawlspaces) must meet special design requirements (see Page 44).
 NOTE: When the walking surface of the lowest floor is at the minimum elevation, under floor utilities are not allowed.
 When developing in the V Zone, structures must meet different requirements (see Page 46).
 The State of Florida recommends a 3' horizontal to 1' vertical fill ratio.

41                                                                                                   Florida Quick Guide
Compaction of Floodplain Fill

Earthen fill used to raise the ground above the flood elevation must be placed properly so that it does not
erode or slump when water rises. For safety and to meet floodplain requirements, floodplain fill should:

 Be good clean soil, free of large rocks, construction debris, and woody material (stumps, roots)

	Have grade side slopes determined by
     engineering analysis.

  Be
	 machine compacted to 95 percent of
     the maximum density (determined by                BFE
     a design professional)

	Have slopes protected against erosion
     (vegetation for “low” velocities, durable                           1'
     materials for “high” velocities determined                     2' min.
                                                                                           compacted fill*
     by a design professional)
                                                                                    *Fill not allowed in V-Zones
 Your community may ask for certification of the elevation, compaction, slope and slope protection materials.
 Your engineer or design professional can find more information in FEMA's technical guidance for Letters
 of Map Revision based on Fill (FEMA Form MT-1) and in NFIP Technical Bulletin #10. The State of Florida
 recommends a 3' horizontal extent to 1' vertical rise fill ratio.
42                                                                                            Florida Quick Guide
Elevating an Existing Structure


                                                                                    THE FOUNDATION WALLS ARE
                                                                                      EXTENDED AS THE HOUSE
                                                                                     IS RAISED, AND PERMANENT
         AFTER OPENINGS ARE                                                         OPENINGS FOR FLOODWATER
       MADE IN THE FOUNDATION
                                                                                            ARE CREATED
       WALLS, STEEL I-BEAMS ARE
                                          NEW
        INSTALLED BELOW THE
                                          PERMANENT OPENINGS FOR FLOODWATERS                NEWLY EXTENDED
            FLOOR JOISTS
                                                                                            FOUNDATION WALL




                                                                                                                     DEPENDING ON FINAL
 EXISTING                                                      I-BEAM OPENINGS FILLED                                HEIGHT OF EXTENDED
 FLOOR                                                         WITH CONCRETE BLOCK                                   FOUNDATION, AREA
                                             EXISTING FLOOR
 JOISTS                                                                                                              UNDER HOUSE MAY
                                                                                                                     ONLY BE USED FOR
ORIGINAL                                   TEMPORARY STEEL                                          FLOOD LEVEL      PARKING, STORAGE OR
GROUND                                     SUPPORT BEAMS                                                             ACCESS
SURFACE
                                                                   THE FINISHED PROJECT

TEMPORARY
STEEL LIFTING
BEAM                                EXISTING FOUNDATION WALL

JACK                        OPENINGS CUT FOR I-BEAMS




 This is one way to elevate an existing building to comply with floodplain regulations. See Above the Flood: Elevating
 Your Floodprone House (FEMA 347) for additional information.

43                                                                                                                Florida Quick Guide
Enclosures Below the Lowest Floor



                Important
             Information
     NOTE:
        TOTAL NET OPENING AREA IS
                                                                                                           interior ground
         AT LEAST 1 SQ. IN. PER SQ. FT.                           lowest
                                                                  floor                                         level at or
                                                                                                              above outside
        A 1,200 SQ. FT BUILDING                                                                                     grade
         NEEDS AT LEAST NET 1,200 SQ.
         INCHES OF OPENINGS




         CRAWLSPACE
          BUILDING
                                   at least two flood openings                                            no more than 12”
                                   on different sides                                                     above ground




 Solid perimeter walls can enclose floodprone areas. A crawlspace is a good way to elevate just a couple of feet. In all
 cases the following are required: flood openings, utilities elevated at or above the BFE, flood resistant materials and
 limitations on use of enclosures below the lowest floor. Check with the local permit office for details and restrictions.
44                                                                                                    Florida Quick Guide
Crawlspace Details


                                                               	The Lowest Floor Elevation must be
                                                                  at or above the BFE. The State of
                              lowest floor elevation
                                                                  Florida recommends 2 feet or more
     BFE                                                          above the BFE.
                     12”                            DUCT
                                                               	The bottom of flood openings must be
                                   concrete         NOTE:         no more than 1 foot above the grade.
                                filled block
      vertical and                             ALL DUCT WORK
  horizontal steel                             MUST BE ABOVE   	Total net area of flood openings is 1
rebar per building                                 THE BFE
             code                                                 square inch for every square foot of
                           flood opening                          enclosed area.

                     12”
                                                               	A 30’ x 40’ building needs 1,200 sq. in.
exterior grade
                                  interior grade                  of net opening.

                                                               	Standard ventilation units must be
                                                                  permanently disabled in the “open”
                                                                  position to allow water to flow in and
                                    footing depth                 out.
                                    per design



45                                                                                       Florida Quick Guide
Typical Elevation Methods for Coastal Construction


                Elevate on Pilings                                            Elevate on Columns


UTILITIES ON
PLATFORM                                                                                                  LOWEST
                                                      See details on                                      HORIZONTAL
                                                      Page 47                                             STRUCTURAL
                                                                                                          MEMBER



                                                          BFE




     Wood or Metal Pilings Driven to Proper Depth                          Reinforced Masonry or Concrete
                                                                             Columns on Spread Footers

 In V Zones, design requirements will be determined by an architect or engineer based on the site, including how
 the structure will be elevated and how deep the foundation elements will extend. A community will require a V Zone
 Building and Performance Certificate (see Page 40). See the Coastal Construction Manual (FEMA 55) for additional
 information on coastal construction.

46                                                                                                  Florida Quick Guide
Coastal Structures Must Resist Wind and Water Forces



                                                                     STRAP




                                                                                                   CLIP


 Coastal buildings may be exposed to both hurricane winds and floodwaters. Structural building components should
 be connected together to transfer forces in a continuous load path from the roof to the foundation. The details above
 are some examples of wind and water resistant construction. An architect or engineer may determine the types of
 connections required for the roof, building, and foundation.

47                                                                                                     Florida Quick Guide
Enclosures Below V Zone Structures

FLOOR JOISTS
                                                                                           Avoid building an enclosure
                                                                                           under a V Zone structure. If you
                                                                                           must enclose a small area, your
                                                                                           community will require:

                                                                          LOWEST              Walls to be designed to
                                                                          HORIZONTAL           collapse or "break away"
                                                                          STRUCTURAL           under storm and flood
                                                BREAKAWAY                 MEMBER               conditions
              BREAKAWAY                            WALL                                       Flood resistant materials
                 WALL
                                                                                              Utility wires and pipes not
                                                                                               go through or be attached to
                                                                                               breakaway walls
                                                                             VERTICAL
                                                                             FOUNDATION       Enclosed area be used
               Important                                                     MEMBER            only for parking, building
                                                                                               access or storage
            Information
                                                                                              There be no bathrooms,
     Do not modify an enclosure below an elevated V Zone building! Not only                    utility rooms or electric service
     is it a violation of your community's regulations, but flood insurance will be very       below BFE
     expensive. The floor of the enclosure will become the "bottom floor" or "lowest
     floor" for insurance and floodplain management purposes (see Page 39).

48                                                                                                          Florida Quick Guide
Utility Service / Fuel Tanks

All utilities, appliances, and equipment must be elevated to or above the BFE. Utilities include plumbing, electrical, gas
lines, fuel tanks, and heating, ventilating and air conditioning equipment.

      Heat Pump or
     A/C on Platform
                                            Fuel or                                 Important
                                         Propane Tank
                                         Anchored on                                Information
                                           Platform                       For floodplain management purposes, a gas or
                                                                BFE       a liquid storage tank that is principally above
                                                                          ground is considered a structure and must be
                                                                          elevated to or above the BFE.
                                                                          Fuel and propane tanks may cause explosion
                                                                          and pollution risks during floods. Even shallow
                                                                          water can create significant buoyant forces on
                                                                          tanks so extra care must be taken to ensure
                                                                          that all tanks are appropriately anchored.


 Fuel and propane tanks can pose serious threats to people, property, and the environment during flood conditions. Even
 shallow water can create a large buoyant force on tanks. Videos on “Fuel Tank Flood Hazards” and “How to Anchor Home
 Fuel Tanks” are available from FEMA Publications at 1-800-480-2520 and “How-To Guides” on anchoring fuel tanks and
 other flood damage reduction techniques are available at: http://www.fema.gov/library/viewRecord.do?id=3262

49                                                                                                       Florida Quick Guide
Low Cost Flood Protection for Older Homes




                                                                                                 Heating Oil
          LIVING AREA


                                            furnace
                                            and other         concrete
                                            utilities         slab
                                            relocated


                   BASEMENT

                                                                  legs of tank
                                                                  securely anchored in slab




 Move your water heater and furnace out of the basement, or build small elevated platforms for them. If the flood depth
 is less than two feet, build flood walls or anchor the tanks. Do not store valuables in a flood-prone basement. Use flood
 resistant materials when you repair.

50                                                                                                    Florida Quick Guide
Utility Service Inside Enclosures


                                                                                    attached garage

                                                                                                 electrical
                                                                                                 box wired
                                                                                                 from ceiling
                                                                                                        BFE



                                                                                 FLOOD OPENING



                                                                        water heater elevated
                                                                        on a platform
     BFE
                                                                       Appliances and equipment
                                                                       (including duct work) must be
                                                                       elevated above the BFE. Utilities
                                                                       (plumbing, electrical, gas lines,
                                                                       heating, ventilating and air
                                                              flood
                                                             opening   conditioning) must be elevated or
                                                                       designed and installed to prevent
                                                                       intrusition of flood waters into their
           WATER HEATER AND FURNACE ELEvATED ON A PLATFORM
                                                                       components.
51                                                                                         Florida Quick Guide
Septic Tanks (Onsite Sewage Treatment and Disposal)


Post-disaster assessments show that buried septic systems and mounded septic systems in V Zones
frequently are exposed and/or displaced. In addition to compromising their subsequent use, damage to these
systems can release their contents.
                                                                       Septic systems are many times
                                                                       destroyed if located near a shoreline.
            Plumbing Vent                                              Consequently, they should be located
                                                                       either outside areas subject to erosion
                                                                       during a base flood, or below the depth
                                                                       of expected erosion.
                    Septic Tank
                                                 Leachfield/Drainfield Elevated/mounded septic systems
                                                                       can require significant volumes of fill,
                                                                       which, if placed under or immediately
                                                                       adjacent to buildings, are likely to
                                                                       deflect velocity waters to nearby prop-
                                                                       erties during a storm event.
                                                                       Onsite sewage treatment and disposal
                            Groundwater
                                                                       systems are regulated by Florida
                                                                       Dept. of Health/Bureau of Onsite
                                                                       Sewage Program and County Health
                                                                       Departments.
52                                                                                          Florida Quick Guide
Small Berms and Floodwalls Can Protect Pre-FIRM Structures

In areas where flood waters are not expected to be deep, sometimes individual buildings can be protected
by earthen berms or concrete floodwalls. Permits are required for those protection measures, and extra
care must be taken if the site is in a floodway (see Pages 34 and 35). A berm or floodwall does not remove
building elevation requirements and cannot be used to protect a new and substantially improved structure, or
one that is repaired after substantial damage.
                                                                                   concrete floodwall




EARTHEN BERM




      SUMP PUMP FOR INTERNAL DRAINAGE                    SEWER BACKFLOW VALVE




 IMPORTANT! These protective measures WILL NOT reduce your flood insurance premiums!
53                                                                                        Florida Quick Guide
Acquisition/Demolition and Relocation




 After floods, some communities acquire and demolish homes that were severely damaged. The acquired land
 is dedicated to open space and can be used for recreation, help preserve wildlife habitat, wetlands or other
 approved open space uses. Homes may also be relocated to safer high ground.

54                                                                                           Florida Quick Guide
Manufactured Homes Deserve Special Attention

                                                                                 Experience shows that manufactured
                                                          elevated               homes are easily damaged. As
                                                          utility                little as one foot of water can cause
                                                          platform               substantial damage.

                                                                                 Dry stacked blocks are not acceptable.
                                                                                 They will NOT withstand a flood.
 secured to
 built-in frame
 anchors




                                                      ground                     concrete
                                                                                 filled
     BFE                                                                         block
                                                                                 #5 metal
                                    helical                                      dowels
                                   ground                                        3- #4
                                   anchors                                       reinforced
                                                                                 each way


                                                                                 concrete
 Manufactured homes must be anchored to resist flotation, collapse and lateral   footing                             8”
 movement by being tied down in accordance with your community's floodplain      below                              min
                                                                                 frost line
 ordinance.

55                                                                                                 Florida Quick Guide
Recreational Vehicles



In a Special Flood Hazard Area, a RV must:

	Remain on site for fewer than 180
     consecutive days, or

	Be fully licensed and ready for highway
     use; or

	Meet the permitting, elevation, and
     anchoring requirements for manufactured
     homes of the community’s Flood Damage
     Prevention Ordinance.                                                                       Important
                                                                                              Information
                                                                                       Camping near the water?
A recreational vehicle is ready for highway use if it is on its wheels or jacking      Ask the Campground or RV
system, is attached to the site only by quick-disconnect type utilities and security   Park operator about flood
devices, and has no permanently attached additions.                                    warnings and plans for safe
                                                                                       evacuations.


 RVs that do not meet these conditions must be installed and elevated like a manufactured home,
 including a permanent foundation and tie-down (See Page 55).
56                                                                                           Florida Quick Guide
Accessory Structures
                                                                                          Terms and
                                                                                          Definitions
 Cannot be modified for a                                                         Accessory
  different use in the future     elevated
                                                                                  (Appurtenant) Structure)
                                  utilities
                                                                                  means a structure
 Must be used only for parking                                                   that is located on
  or storage                                                                      the same parcel of
                                                                                  land as a principle
 Must have flood openings                                                        structure and whose
  (A-Zones)                                                                       use is incidental to the
                                                                                  use of the principal
 Must be built of flood                                                          structure. Accessory
                                BFE                                               structures should be no
  resistant materials                                                             more than a minimal
 Must have elevated utilities                                                    initial investment,
                                                                                  may not be used for
                                                                                  human habitation, and
 Must be anchored to resist                                                      must be designed to
  floating                                                                        minimize flood damage.
                                                                                  Examples include:
 Must not be inhabited                                                           detached garages,
                        anchors                                                   carports, storage sheds,
 Must have a documented                                                          pole barns, and hay
                                                           flood openings         sheds.
  floor elevation

 Even small buildings are considered “development” and permits or variances with noted conditions are
 required. CAUTION! Remember...Everything inside is likely to get wet when flooding occurs.

57                                                                                     Florida Quick Guide
Planning to Improve Your Floodplain Structure


                                                                                                  Important
                                                                                                  Information
                                 house
                                                                                    Floodplain buildings can be improved
                                                                                    or altered, but special rules may
                                 elevated on
                                                                                    apply! Check with your local permit
                                 crawlspace
                                                                                    office.
                                                                                    See Unit 8 of the FEMA National
                                                                                    Flood Insurance Program Floodplain
                                                                                    Management Requirements Study
                                                                                    Guide and Desk Reference for
                                                                                    Local Officials (FEMA 480) for a
      Before Improvements                        After Improvements                 detailed description of substantial
                                                                                    improvement and its application to
Building Market Value = $150,000           Cost of Improvements = $70,000
                                                                                    structure rehabilitations and additions.
                                                                                    The cost to correct previously cited
        Terms and                                                                   violations of state or local health,
        Definitions                                                                 sanitary, or safety codes that are the
                                                                                    minimum necessary to assure safe
 Substantial Improvement means any reconstruction, rehabilitation, addition, or     living conditions can be excluded.
 other improvement of a structure, the cost of which equals or exceeds 50% of       Alteration of a registered historic
 the market value of the structure before the start of the improvement. This term   structure is allowed, as long as it will
 includes structures which have incurred Substantial Damage, regardless of the      continue to meet the criteria for listing
 actual repair work performed (See Pages 9 and 60).                                 as a registered historic structure.

58                                                                                                    Florida Quick Guide
What About After Damage?


                                                        tor or
                                                Co ntrac abor
                                                     ted L
                                                Dona aterials                                      Floodpla
                                                                                                            in
                                                 and M                                            Develop
                                                                                                          ment
                                                                                                    Permit
                                                  1. $
                                                  2. $                                                SUBST
                                                   3. $                                                    A
                                                                                                     IMPRO NTIAL
                                                   4. $                                                    VEMEN
                                                                                                                 T
                                                    5. $                                            ELEVA
                                                           $90,000
                                                                                                          TE
                                                                                                    ABOVE
                                                                                                           BFE



                                                     Cost of Repair = 60%
     Pre-Damage Building Market
          Value = $150,000                                                             Permit / Elevation Required



 A permit is required to repair substantial damage from any cause - fire, flood, wind, or even a truck running into a
 building. Check with your permit office to be sure. You will be asked to provide a detailed cost estimate for repairs. The
 value of donated labor and materials, estimated at current market value, is considered as a cost of the repair.

59                                                                                                      Florida Quick Guide
Residential Substantial Damage Estimator

Communities participating in the National Flood Insurance Program (NFIP) often have difficulty determining whether
buildings are substantially damaged. This difficulty is magnified after a major flood or other disaster where a large number
                                        of buildings have been damaged and there is a need to provide timely substantial
                                        damage determinations so that reconstruction can begin. Buildings located in
                                        a Special Flood Hazard Area (SFHA) that are determined to be substantially
                                        damaged/improved, must be brought into compliance with the minimum
                                        requirements of the community’s NFIP compliant floodplain management laws
                                        or ordinances. The regulations may require a residential building to be elevated,
                                        resulting in additional repair/reconstruction costs for the homeowner.
                                         FEMA has developed a computer program, called the Residential Substantial
                                         Damage Estimator (RSDE), to assist state and local officials in estimating building
                                         value and damage costs for both single family and manufactured homes. This
                                         computer application is based on regulatory requirements of the NFIP and is
                                         intended to be used in conjunction with an industry accepted residential cost
                                         estimating guide.
                                       The program consists of step-by-step directions, with accompanying illustrations
showing where data regarding the pre-disaster fair market value of a structure, the cost of repair and percentage of
damage to components of a structure can be entered. Based on the information entered, the program computes the
overall damage percentage.
A new version of the software called the Substantial Damage Estimator, which includes estimating tools for non-residential
and residential buildings is scheduled for release in June 2009.
 Call FEMA Publications at 1-800-480-2520 to order your free copy of the RSDE software.
60                                                                                                     Florida Quick Guide
Paying for Post-Flood Compliance - ICC
                 Increased Cost of Compliance, or ICC, coverage is part of most Standard Flood Insurance Policies.
                 Claims for ICC benefits are filed separately from your claim for contents or building loss. If eligible, you
                 can collect up to $30,000 to help cover the cost of bringing your home or business into compliance with
                 current flood damage prevention ordinances.
                 You are eligible to file for ICC if your property is in a SFHA and if your community Floodplain
                 Administrator determines one of the following:
     Elevate
                                     Your property is “substantially damaged” by flooding. This means that your
                                     community says the cost to repair your flooded building is 50 percent or more of its
                                     pre-disaster market value.
                                     Your property sustained “repetitive damage.” This term applies to homes or
                                     businesses that were damaged by flooding twice in the past 10 years, where the cost
                                     of repairing the flood damage, on average, equaled or exceeded 25 percent of the
                                     property market value at the time of each flood. Also, there must have been flood
     Relocate        Floodproof      insurance claim payments for each of the two flood losses, and the community’s flood
                                     damage prevention ordinance must have a repetitive loss provision.
                 ICC funding can be used to elevate or demolish homes, relocate them to higher ground, or floodproofing
                 of non-residential structures. Also, when participating in a community sponsored, FEMA funded mitigation
                 project, the policyholder may assign ICC benefits to the community to integrate into the project. The
                 community then becomes responsible for submitting all of the appropriate paperwork.
     Demolish

 Detailed information on ICC is available at http://www.fema.gov/plan/prevent/floodplain/ICC.shtm and in the FEMA
 publication Interim Guidance for State and Local Officials - Increased Cost of Compliance Coverage (FEMA 301).
61                                                                                                        Florida Quick Guide
Repetitive Loss Eligibility under ICC

Your Community’s Floodplain Management (FPM) Ordinance must be amended to make Repetitive Loss (Rep Loss)
insured structures eligible to receive ICC benefits up to $30,000. If a community has a “Repetitive Loss” definition in the
FPM ordinance, ICC benefits will be paid when a flood insured structure in the SFHA is paid flood damage claims two
times within a 10-year period, where the cost of repairing the flood damage, on the average, equals or exceeds 25 percent
of the structure’s pre-damaged fair market value at the time of each flood. Rep Loss is not eligible under ICC unless Rep
Loss is defined in the definitions section of the community’s Flood Damage Prevention Ordinance.
To make Rep Loss structures eligible for ICC benefits:
1. Add a new definition to the FPM ordinance as underlined below:
Repetitive Loss means flood-related damages sustained by a structure on two separate occasions during a 10-year
period for which the cost of repairs at the time of each such flood event, equals or exceeds 25 percent of the market value
of the structure before the damage occurred.
2. Modify this definition in the FPM ordinance by adding the following underlined text:
Substantial Damage means damage of any origin sustained by a structure whereby the cost of restoring the structure to
it’s before-damaged condition would equal or exceed 50 percent of the market value of the structure before the damage
occurred. The term includes buildings that are determined to be Repetitive Loss (see definition).
The term does not apply to:
  a.) any project for improvement of a building required to comply with existing health, sanitary, or safety code
      specifications which have been identified by the Code Enforcement Official and which are the minimum necessary
      to assure safe living conditions, or
  b.) any alteration of a “historic structure” provided that the alteration will not preclude the structure’s continued
      designation as a “historic structure”.

62                                                                                                     Florida Quick Guide
Repetitive Loss Eligibility Under ICC (continued)

3. Modify this definition in the Flood Damage Prevention Ordinance by adding the underlined text:
Substantial Improvement means any combination of reconstruction, alteration, or improvement to a building that equals
or exceeds 50 percent of the fair market value of the building before the damage occurred. For the purposes of this
definition, an improvement occurs when the first alteration of any wall, ceiling, floor, or other structural part of the building
commences, whether or not that alteration affects the external dimensions of the building. This term includes structures,
which have incurred “repetitive loss” or “substantial damage”, regardless of the actual repair work done.
The term does not apply to:
  a.) any project for improvement of a building required to comply with existing health, sanitary, or safety code
      specifications which have been identified by the Code Enforcement Official and which are solely necessary to
      assure safe living conditions, or
  b.) any alteration of a “historic structure” provided that the alteration will not preclude the structure’s continued
      designation as a “historic structure".

Substantially improved existing manufactured home parks or subdivisions is where the repair, reconstruction,
rehabilitation or improvement of the streets, utilities and pads equals or exceeds 50 percent of the value of the streets,
utilities and pads before the repair, reconstruction or improvement commenced.

SPECIAL NOTE: It is recommended that communities develop and adopt written substantial improvement policies and
procedures.




63                                                                                                          Florida Quick Guide
Flood Insurance: Property Owner’s Best Protection


Who needs flood insurance? Every homeowner, business owner, and renter in Florida communities that
participate in the National Flood Insurance Program (NFIP) may purchase a flood insurance policy —
regardless of the location of the building. Federal disaster grants may not cover all losses and repayment of a
                                                               disaster loan can cost many times more than what
   COMPARE TYPICAL YEARLY COSTS                                you’ll pay for a flood insurance policy.
                 $500 / year     Flood Insurance
                                                            Unfortunately, it’s often after a flood that many
                                                            people discover that their homeowner or business
                                                            property insurance policies do not cover flood
                                                            damages. Approximately 25% of all flood damages
                                                            occur in low risk zones, commonly described as
                                                            being “outside the mapped flood zone.”

              $3,600 /year                                  The Florida Division of Emergency Management
                    Disaster Loan                           urges YOU to protect your financial future by
                                                            getting a flood insurance policy. Learn more at
                                                            http://www.floodsmart.gov. To purchase a policy,
                                                            call your insurance agent. To get the name of an
     Call Your Insurance Agent to Learn More                agent in your community, call the NFIP’s toll free
                                                            number 1-888-356-6329.


64                                                                                           Florida Quick Guide
Freeboard: Go Above the BFE
                                                                                                           Important
Want to save some money and have peace of mind at the same time? Then add
Freeboard to build higher than the minimum elevation requirement! In Florida                             Information
new construction and substantially improved structures must be built to or above                  NOTE: Building own-
the BFE (2' above BFE recommended). Additional Freeboard will add safety and                      ers will save insurance
reduce flood insurance costs.                                                                     money if they elevate
                                                                                                  above BFE. But more
                   Annual Flood Insurance Premium* Example:                                       impressive is how the
 Flood Zone A-AE, Post-FIRM, One-Story Single-Family Residence, No Basement                       cost of insurance can
        Lowest floor elevation compared to the Base Flood Elevation (BFE)                         more than triple if the
                                                                                                  building is even only one
  Lowest                                                             Total     30-Yr. Mortgage    foot below BFE.
                Structure   Contents     Federal
   Floor                                              ICC Fee       Annual       Total Flood
                $150,000    $50,000     Policy Fee
 Elevation                                                         Premium     Insurance Cost     REMEMBER!
  3' above        $200        $112         $35           $6          $353          $10,590        A community may be
  2' above        $275        $112         $35           $6          $428          $12,840        able to grant a variance,
                                                                                                  but the owner will
  1' above        $450        $140         $35           $6          $631          $18,930
                                                                                                  probably still be required
     At BFE       $830        $284         $35           $6         $1155          $34,650        to buy flood insurance.
     1' below    $3280        $973         $35           $6         $4304         $129,120        Imagine trying to sell
                                                                                                  a house if the bank
*May 1, 2008 Rate Tables                                                                          requires insurance that
                                                                                                  costs over $4,300 a year!
Though other factors affect flood insurance rates, the most significant is the relationship of
the lowest floor elevation to the BFE. The lower the structure relative to BFE the higher the
cost of insurance. This is true in all types of A and V Zones and for all insurable structures.
65                                                                                                      Florida Quick Guide
Want to Learn More?


 For information and advice on permits, call your community’s building permit office or planning
     department.
    For advice on permitting and managing floodplains, contact the State NFIP Coordinator at 1-850-413-9660.
    For information about workshops, training and conferences, contact the State NFIP Coordinator at
     1-850-413-9660.
    To order FEMA flood maps, call FEMA’s Map Service Center at 1-800-358-9616 or order online at
     http://www.msc.fema.gov/.
    To learn more about flood maps and check the status of map change requests, click on “Flood Hazard
     Mapping” at http://www.fema.gov/plan/prevent/fhm/index.shtm.
    FEMA’s on-line publications can be found in the FEMA Virtual Library. Many are posted in the Portable
     Document Format (PDF). Go to http://www.fema.gov/library/ for more information. You can order
     printed copies of FEMA publications from FEMA Publications at 1-800-480-2520.
	To learn about flood risk and the importance of taking steps to financially protect homes and businesses
     from flood damage go to http://www.floodsmart.gov.
 To learn about flood insurance, call your insurance agent. Most insurance companies can write an
     NFIP policy for you. Call the National Flood Insurance Program’s toll free number, 1-888-356-6329, to
     get the name of an agent in your area who writes flood insurance.
 Find out about Elevation Certificate training for surveyors by searching for Elevation Certificate at
     http://www.fema.gov.

66                                                                                            Florida Quick Guide
     This Quick Guide may be downloaded from the
Florida Division of Emergency Management web site at:
              http://www.floridadisaster.org

                          or

the Florida Floodplain Managers Association website at:
                  http://www.ffma.net

				
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