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               Here, before you, is a map of a journey on which you are about to embark.
                              May it prove to be satisfying and rewarding.
                                                                                                                                             The Authors



Orientation:
         A. Introduction ..............................................................................................................O-3
         B. Course Objectives ............................................................................................................................O-6
         C. Course Overview........................................................................................................O-7
               Summary of Units ..............................................................................................O-7
               Summary of Appendices ....................................................................................O-9
         D. Course Presentation ................................................................................................O-10
               Course Materials ..............................................................................................O-10
                    Textbook ..................................................................................................O-10
                    Video Segments........................................................................................O-11
                    Engineer’s Scale ......................................................................................O-11
                    Floodplain Information and Data ..........................................................O-11
                    State-Specific Information ......................................................................O-11
                    Learning Checks ......................................................................................O-11
                    Supplementary Reading Materials..........................................................O-11
         E. Course Completion ................................................................................................O-12
               Course-Related Assistance ................................................................................O-12
         F. Final Examination ..................................................................................................O-12

Unit 1       Floods and Floodplain Management—What Do They Mean
             to Your Community?
         A. Introduction................................................................................................................1-3
         B. Floods and Floodplains ..............................................................................................1-4
                Types of Floods .................................................................................................. 1-4
                     Riverine Flooding...................................................................................... 1-4
                     Surface Water Runoff .............................................................................. 1-7
                     Urban Drainage.......................................................................................... 1-8
                     Dam and Levee Failure.............................................................................. 1-8
                     Coastal Flooding and Erosion .................................................................. 1-8
                Floodplains ........................................................................................................ 1-10
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                            Development and Floodplains ................................................................1-10
                            Natural Resources of Floodplains ............................................................1-12
         C. Floodplain Management ..........................................................................................1-14
                The Evolution of Floodplain Management .................................................... 1-15
                The Concept of Floodplain Management ...................................................... 1-16
                    Floodplain Management.......................................................................... 1-16
                    Strategies and Tools ................................................................................ 1-16
         Unit Learning Exercise ..................................................................................................1-21
         Answers to Unit Learning Exercise ..............................................................................1-22

Unit 2      The National Flood Insurance Program and Community
            Responsibilities for Participation
         A. The National Flood Insurance Program (NFIP)......................................................2-3
               How the NFIP Works ..........................................................................................2-4
               Roles and Responsibilities ..................................................................................2-5
                    The Community Role..................................................................................2-5
                    The State Role ............................................................................................2-6
                    The Federal Role ........................................................................................2-6
               Contacts ................................................................................................................2-8
         B. Community Responsibilities ....................................................................................2-10
               How Do Communities Become Eligible To Participate? ................................2-10
               What Are a Community’s Responsibilities While Participating in the
                National Flood Insurance Program? ..............................................................2-13
         C. Current Status of the NFIP ......................................................................................2-15
         Unit Learning Exercise ..................................................................................................2-17
         Answers to Unit Learning Exercise ..............................................................................2-18

Unit 3      Your Roles and Responsibilities in Carrying Out
            Floodplain Management in Your Community
         A. Roles and Responsibilities of the Local Administrator ............................................3-3
                Understand the Regulations .............................................................................. 3-3
                Review Permit Applications................................................................................ 3-3
                Determine Compliance/Noncompliance ........................................................ 3-4
                Coordinate Permit Review with Other Community Officials .......................... 3-4
                Conduct Inspections .......................................................................................... 3-4
                Take Enforcement Actions ................................................................................ 3-4
                Interacting with Appeals and Variance Procedures.......................................... 3-4


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                    Keep Records ...................................................................................................... 3-4
                    Collect Fees ........................................................................................................ 3-5
                    Investigate Complaints ...................................................................................... 3-5
                    Maintain and Update Administrative Forms .................................................... 3-5

         B. Responsibilities of Florida Officials .......................................................................... 3-5
               Review Applications ............................................................................................ 3-6
               Provide Base Flood Data .................................................................................... 3-6
               Review Plans and Specifications ........................................................................ 3-6
               Ensure that All Other Permits Are Obtained .................................................. 3-6
               Notify of Watercourse Alterations...................................................................... 3-7
               Issue or Deny Permits ........................................................................................ 3-7
               Inspect Development.......................................................................................... 3-7
               Record Keeping....................................................................................................3-8
               Remedy Violations .............................................................................................. 3-8
         Unit Learning Exercise .................................................................................................. 3-9

Unit 4      Information and Data Provided Through the National
            Flood Insurance Program
         A. Introduction................................................................................................................4-3
         B. Flood Insurance Study Reports and Maps ................................................................4-3
                Flood Hazard Boundary Map ............................................................................4-3
                Flood Insurance Study Report ............................................................................4-5
                Flood Insurance Rate Map ..................................................................................4-6
                Flood Boundary and Floodway Map ..................................................................4-8
                FIRM New Format................................................................................................4-8
                Countywide FIRM ..............................................................................................4-10
                Digital FIRM ......................................................................................................4-11
                     Digital Flood Insurance Rate Map ..........................................................4-11
                     Digital Flood Insurance Rate Map-Digital Line Graph ..........................4-11
                     Q3 Flood Data ..........................................................................................4-14
                     Map Modernization ..................................................................................4-15
         C. Detailed Studies ........................................................................................................4-16
               Riverine Studies..................................................................................................4-16
                     Cross Sections ............................................................................................4-17
                     Elevation Reference Marks ......................................................................4-18
                     Hydrology ..................................................................................................4-19
                     Hydraulics ..................................................................................................4-19

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                         Profile ........................................................................................................4-20
                         Floodplain Map ........................................................................................4-20
                         Floodway Analysis ......................................................................................4-23
                    Coastal Flood Studies ........................................................................................4-25
                         Hydrology ..................................................................................................4-26
                         Waves ..........................................................................................................4-26
                         Hydraulic Analysis ....................................................................................4-27
                         Coastal High Hazard Area ........................................................................4-28
                         Coastal Floodplain Map ............................................................................4-29
                    Shallow Flooding Studies ..................................................................................4-29
         D. Approximate Studies ................................................................................................4-30
               Requirements for Developing BFE Data ..........................................................4-32
         Unit Learning Exercise ..................................................................................................4-35
         Answers to Unit Learning Exercise ..............................................................................4-38

Unit 5      Understanding and Using NFIP Data
         A. Introduction................................................................................................................5-5
         B. Flood Insurance Study Report.................................................................................. 5-6
                Report Contents ..................................................................................................5-6
                Understanding Report Data................................................................................5-7
                Relating Report Data to Maps and Profiles......................................................5-10
                Learning Check #1 ............................................................................................5-12
         C. Reading and Using Flood Profiles ..........................................................................5-13
               Riverine Studies..................................................................................................5-13
               Profile Features ..................................................................................................5-13
               Locating Development Sites..............................................................................5-15
               Determining Flood Elevations ..........................................................................5-15
               Coastal Studies....................................................................................................5-16
               Learning Check #2 ............................................................................................5-18
         D. Relating Flood Insurance Study Data to Maps ......................................................5-19
         E. Reading and Using Flood Maps ..............................................................................5-19
               Which Maps to Use ............................................................................................5-20
               General Map Features........................................................................................5-20
                    Map Index..................................................................................................5-20
                    Flood Hazard Boundary Maps (FHBM)..................................................5-22
                    Flood Insurance Rate Map (FIRM)—Old Format..................................5-25

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                         Flood Boundary and Floodway Map (FBFM) ........................................5-28
                         Flood Insurance Rate Map (FIRM)—New Format ................................5-32
                         Countywide FIRMS....................................................................................5-37
                    Flood Boundaries and Flood Risk Areas ..........................................................5-38
                    Flood Insurance Zones ......................................................................................5-41
                    Development Sites and Flood Maps ................................................................5-41
                    Determining Stream Distance ..........................................................................5-45
                    Flood Elevations from Map Data ......................................................................5-46
                    Additional Flood Elevation Data from the Flood Insurance Study................5-48
                    Additional BFEs from Map Data ......................................................................5-48
                    Learning Check #3 ............................................................................................5-50
                    Special Map Features ........................................................................................5-52
                    Learning Check #4 ............................................................................................5-55
         Unit Learning Exercise ..................................................................................................5-56
         Answers to Learning Checks and Unit Learning Exercise..........................................5-60

Unit 6      Managing Floodplain Development: Procedures,
            Standards, and Requirements
         A. Introduction................................................................................................................6-7
         B. Floodplain Management Ordinance........................................................................ 6-7
         C. NFIP Floodplain Management Standards and Requirements ................................6-9
               What is the Purpose of the NFIP’s Management Standards? ........................ 6-9
               Relationship of Floodplain Maps to the NFIP ................................................6-11
               Key Definitions of Floodplain Management ....................................................6-12
                    Base Flood..................................................................................................6-12
                    Basement....................................................................................................6-12
                    Development ............................................................................................6-12
                    Elevated Building ......................................................................................6-13
                    Lowest Floor ..............................................................................................6-13
                    New Construction ....................................................................................6-14
                    Structure ....................................................................................................6-14
                    Substantial Improvement..........................................................................6-15
               Learning Check # 1 ..........................................................................................6-16
               NFIP Requirements............................................................................................6-18
                    Section 60.3(a) of 44 CFR—Floodprone Areas Not Identified ............6-18
                          Require Permits ..............................................................................6-20
                          Review Permits ................................................................................6-20

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                 Ensure All Other Necessary Permits..............................................6-21
                 Review Subdivision and Other Developments ..............................6-21
                 Water and Sewer Systems................................................................6-21
           Section 60.3(b) of 44 CFR—A Zones Identified without
           Base Flood Elevations................................................................................6-22
                 Flood Data for Large-Scale Developments ....................................6-22
                 Use of Available Flood Data ..........................................................6-22
                 Elevation or Floodproofing ............................................................6-24
                 Watercourse Alterations..................................................................6-24
                 Maintain Carrying Capacity............................................................6-24
                 Anchoring and Placement of Manufactured Homes ..................6-25
           Section 60.3(c) of 44 CFR—Base Flood Elevations Defined ................6-25
                 Elevation of Residential Structures................................................6-25
                 Accessory Structures ......................................................................6-29
                 Elevation and Floodproofing of Non-Residential Structures ......6-29
                 Professional Certification of Non-Residential Floodproofing ....6-30
                 Enclosures below Lowest Floor ......................................................6-33
                 Elevation and Anchoring of Manufactured Homes ....................6-34
                 Structures in AO (Shallow Flooding) Zones ................................6-35
                 Development Protected by Flood Control Projects (Zone A99) 6-35
                 Regulating Encroachments-No Floodways Identified ................ 6-35
                 Increases Beyond One Foot ..........................................................6-36
                 Drainage Around Structures ..........................................................6-37
                 Recreational Vehicles ......................................................................6-37
           Section 60.3(d) of 44 CFR—BFE and Floodway Defined ......................6-37
                 Adopt Floodway ..............................................................................6-37
                 No Impact Requirements ..............................................................6-38
                 Encroachments in the Regulatory Floodway ................................6-39
           Section 60.3(e) of 44 CFR—Coastal High Hazard Areas ......................6-39
                 Maintain Elevation of Lowest Horizontal Member ......................6-40
                 Locate Structures Landward of Mean High Tide ........................6-40
                 Elevation on Piles or Columns ......................................................6-40
                 Free of Obstruction or Breakaway Walls ......................................6-42
                 No Fill ..............................................................................................6-45
                 No Alteration of Sand Dunes and Mangrove Stands....................6-45
                 Manufactured Homes ....................................................................6-45
                 Recreational Vehicles ......................................................................6-45
           Learning Check #2....................................................................................6-46


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         D. Florida Floodplain Management Standards and Requirements ..........................6-49
                Department of Community Affairs (DCA) ......................................................6-49
                     Florida Coastal Management Program....................................................6-49
                           Regulatory: Procedures, Standards, and Requirements..............6-49
                     DCA, Division of Housing and Community Development ....................6-51
                           Building Codes ................................................................................6-51
                Department of Environmental Protection (DEP) ..........................................6-52
                     DEP, Beaches and Coastal Systems ..........................................................6-52
                     DEP, Mining, Sediment Control, and Dam Safety ..................................6-53
                     DEP, Solid Waste Management ................................................................6-56
                     DEP, Water Management..........................................................................6-56
                Department of Health (DOH)..........................................................................6-57
                     DOH, Onsite Wastewater Systems ............................................................6-57
                Department of Highway Safety and Motor Vehicles, Bureau of Mobile
                Home and RV Construction ............................................................................6-58
                     Manufactured Buildings Program............................................................6-58
                Department of State, Division of Historical Resources ..................................6-63
                     Preservation of Historic Resources ..........................................................6-63
                Learning Check #3 ............................................................................................6-64
         Answers to Learning Checks..........................................................................................6-66

Unit 7      Managing Floodplain Development: Additional
            Planning Considerations
         A. Introduction................................................................................................................7-5
         B. More Restrictive Local Regulations ..........................................................................7-6
               Freeboard ............................................................................................................ 7-6
                     More Restrictive Floodplain Encroachment and Floodway Standards .. 7-9
               Critical and Vulnerable Facilities ......................................................................7-10
               Better Designed and Constructed Foundations ..............................................7-11
               Prohibiting Development or Structures in the Floodplain ............................7-12
               Setbacks ..............................................................................................................7-13
               Dry Land Access ................................................................................................7-14
               Stormwater Management ..................................................................................7-14
         C. Location of Services and Utilities............................................................................7-15
               Learning Check # 1 ..........................................................................................7-16
         D. Management of Flood Hazards of Special Concern ..............................................7-17
         E. Environmental Protection Measures ......................................................................7-17

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                    Wetland Protection ............................................................................................7-23
                    Rare and Endangered Species ..........................................................................7-24
                    On-Site Sewage Disposal....................................................................................7-24
                    Facilities Siting....................................................................................................7-24
                    Non-Point Source Pollution Control ................................................................7-24
                    Point Source Pollution Control ........................................................................7-25
                    Special Designations ..........................................................................................7-25
                    Learning Check # 2 ..........................................................................................7-28
         Answers to Learning Checks..........................................................................................7-29

Unit 8      Administering Your Floodplain Management Ordinance
         A. Introduction................................................................................................................8-5
         B. Who Is Involved in Administering the Ordinance ..................................................8-6
              Floodplain Management Administrator ............................................................8-6
              Board of Adjustment............................................................................................8-6
              Planning Committee, Commission or Agency ..................................................8-7
              Legal Counsel ......................................................................................................8-7
              Citizens..................................................................................................................8-7
              State and Federal Agencies ................................................................................8-8
         C. Development Permit Review Process ........................................................................8-8
               When Is a Development Permit Required?........................................................8-8
               Beginning of the Development Permit Review Process ....................................8-9
               Steps in the Development Permit Application Process ..................................8-10
               Step One: Review Application for Completeness ..........................................8-16
               Learning Check # 1 ..........................................................................................8-24
               Step Two: Review the Application Package for Compliance
                  with the Technical Requirements of the Ordinance ................................8-25
               Step Three: Approve or Deny the Permit Application ..................................8-28
               Learning Check # 2 ..........................................................................................8-32
               Step Four: Inspect the Site/Work....................................................................8-34
                    Inspection One..........................................................................................8-34
                    Inspection Two ..........................................................................................8-35
                    Inspection Three ......................................................................................8-36
                    Future Inspections ....................................................................................8-36
               Learning Check # 3 ..........................................................................................8-38
         D. Record Keeping ........................................................................................................8-39
         Answers to the Learning Checks ..................................................................................8-41

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Unit 9      Administrative Issues Relating to NFIP Requirements
         A. Introduction................................................................................................................9-5
         B. Addressing Administrative Problems ........................................................................9-6
               Commonly Asked Questions ..............................................................................9-6
               Regulating Development in Unnumbered A Zones..........................................9-9
               Permitting Accessory Structures ......................................................................9-12
               Enclosures below Base Flood Elevation............................................................9-12
               Basements ..........................................................................................................9-13
               Elevation Certificates ........................................................................................9-13
               Determining the Lowest Floor from Building Diagrams ................................9-14
               Inspection of Floodplain Development............................................................9-15
               Learning Check #1 ............................................................................................9-16
         C. Substantial Damage and Improvement Regulations..............................................9-18
               Substantially Damaged or Improved Property ................................................9-18
               Calculating Market Value ..................................................................................9-19
               Calculating Costs of Improvement ..................................................................9-20
               Ways to Substantially Improve Structures ........................................................9-22
                     Rehabilitation of an Existing Structure ..................................................9-22
                     Construction of Additions ........................................................................9-23
                     Reconstruction of a Destroyed or Razed Structure ................................9-27
                     Repair to Substantially Improved Structure............................................9-27
               Substantial Improvement Requirements..........................................................9-27
               Pre-FIRM Structures ..........................................................................................9-29
               Post-FIRM Structures ........................................................................................9-30
               Historic Structures ............................................................................................9-30
               Code Violation Exemptions ..............................................................................9-32
               Increased Cost of Compliance Coverage ........................................................9-33
               Summary ............................................................................................................9-34
               Learning Check # 2 ..........................................................................................9-35
         D. Flood Insurance Map Changes................................................................................9-37
                Requesting Map Changes ..................................................................................9-40
                Effect of Map Revisions on Flood Insurance Rates ........................................9-40
                Learning Check #3 ............................................................................................9-42
         Answers to Learning Checks..........................................................................................9-43

Unit 10 Enforcement of the Ordinance
         A. Introduction..............................................................................................................10-3

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       B. Enforcement of Regulation Provisions ..................................................................10-3
             A Perspective on Enforcement ........................................................................ 10-4
             Methods of Enforcement ..................................................................................10-4
             Enforcement Ordinances ..................................................................................10-6
             NFIP Sanctions ..................................................................................................10-7
             Learning Check # 1 ........................................................................................10-10
       C. Variances..................................................................................................................10-11
              Unnecessary Hardship ....................................................................................10-11
              Fraud, Victimization, Public Safety ................................................................10-12
              Increased Risk-Increased Flood Insurance Rates ..........................................10-13
              NFIP Variance Criteria in Section 60.6 ..........................................................10-13
              Variance Guidance ..........................................................................................10-13
              Learning Check # 2 ........................................................................................10-17
       D. Legal Issues ............................................................................................................10-21
             Taking Issues and Liability ..............................................................................10-22
             Taking, Eminent Domain, Inverse Condemnation ......................................10-22
             Liability ............................................................................................................ 10-24
             Learning Check # 3 ........................................................................................10-28
       Answers to the Learning Checks ................................................................................10-29

Unit 11 Relationship Between Floodplain Management
        and Flood Insurance
       A. Introduction ..............................................................................................................11-3
       B. Relationship between Floodplain Management and Insurance ............................11-3
               Pre-FIRM Structures and Post-FIRM Construction ........................................11-3
               Elevation and Floodproofing Certificates ........................................................11-8
               Variances ............................................................................................................11-9
               Section 1316 ....................................................................................................11-10
       Unit Learning Exercise ................................................................................................11-11
       Answers to Unit Learning Exercise ............................................................................ 11-12

Unit 12 Obtaining Needed Assistance and Support
       A. Introduction ..............................................................................................................12-3
       B. Sources of Assistance ................................................................................................12-3
              Local....................................................................................................................12-3
              Outside................................................................................................................12-4


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        C. Sources of Support ....................................................................................................12-6
               Improving Local Support ..................................................................................12-6
               Utilizing Outside Support ................................................................................12-8
               Community Assistance Program (CAP) ..........................................................12-8
                     Community Assistance Contact (CAC)....................................................12-9
                     Community Assistance Visit (CAV) ..........................................................12-9
               NFIP Biennial Report ........................................................................................12-9
               The Community Rating System (CRS) ..........................................................12-10
                     Goals of the CRS ....................................................................................12-11
                     CRS Classifications ..................................................................................12-11
                     CRS Application Process ........................................................................12-12
                     CRS Program Activities ..........................................................................12-13
        D. Using the Internet ..................................................................................................12-15
        Unit Learning Exercise ................................................................................................12-17
        Answers to Unit Learning Exercise ............................................................................12-19

Final Exercise
        Final Examination ...................................................................................................................................... 3
        Final Examination Answer Sheet ...................................................................................................... 15
        Home Study Course Survey Form .................................................................................................... 17

Index

Appendix A             References

Appendix B             Glossary of Acronyms and Terms

Appendix C              Sources of Assistance
        State ..................................................................................................................................C-3
        Department of Community Affairs (DCA), Division of Emergency Management ....C-3
        DCA, Division of Housing and Community Development ..........................................C-4
        DCA, Florida Coastal Management Program ................................................................C-7
        Department of Environmental Protection, Office of Beaches and Coastal Systems ..C-9
        Fish and Wildlife Conservation Commission, Office of Environmental Services ......C-9
        Florida Institute of Government ..................................................................................C-10
        Water Management Districts ........................................................................................C-11

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Regional Councils ..........................................................................................................C-13

Federal        ........................................................................................................................C-14
          U.S. Army Corps of Engineers ......................................................................................C-14
          Natural Resources Conservation Service, U.S. Department of Agriculture ..............C-14
          U.S. Geological Survey, Water Resources Division ......................................................C-16
          National Park Service, U.S Department of the Interior ............................................C-16
          Other Agencies ..............................................................................................................C-16
          Federal Emergency Management Agency....................................................................C-17
                 The Hazard Mitigation Grant Program ..........................................................C-17
                 Flood Mitigation Assistance Program ..............................................................C-18
                 Project Impact .................................................................................................. C-20
                 FEMA Programs for Hazard Mitigation ..........................................................C-21
                 FEMA Reference Library-Internet Service ......................................................C-22
                 FEMA Publications Order Form ......................................................................C-29
                 Emergency Management Institute ..................................................................C-30

Private        ........................................................................................................................C-31
          Nonprofit Organizations ..............................................................................................C-31
          Land Trusts ....................................................................................................................C-31
          Other Conservation Organizations ..............................................................................C-32
          Voluntary Organizations................................................................................................C-32

Professional Organizations............................................................................................C-32
          American Planning Association ....................................................................................C-32
          Association of State Floodplain Managers ..................................................................................C-32
                 Floodplain Management Resource Center..................................................................C-33
                 ASFPM Publications List ......................................................................................................C-34
                 ASFPM Publications Order Form ....................................................................................C-38
                 Application for Membership ............................................................................................C-39

Appendix D             Flood Damage Prevention Ordinance—Florida Models


Appendix E             A Local Official’s Guide to Implementing the National Flood Insurance
                       Program in Florida
          Foreword ..............................................................................................................................i

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      Table of Contents ................................................................................................................ii
      Chapter 1- Introduction to National Flood Insurance Program ................................1-1
      Chapter 2- National Flood Insurance Program Maps and Studies ..............................2-1
      Chapter 3- National Flood Insurance Program Regulations ........................................3-1
      Chapter 4- Local Administration ....................................................................................4-1
      Chapter 5- Addressing Administrative Issues..................................................................5-1
      Chapter 6 - Substantial Improvement ............................................................................6-1
      Chapter 7 - Variances........................................................................................................7-1
      Chapter 8 - Enforcement ................................................................................................8-1
      Chapter 9 - Related Programs..........................................................................................9-1

Appendix F         Floodplain Management Using Approximate Studies
      Approximate Study Areas ................................................................................................F-3
      Determining Base Flood Elevations .............................................................................. F-3
      Documentation ................................................................................................................F-5
      Requirements for Large Developments ..........................................................................F-5
      Additional Guidance ........................................................................................................F-5
             Excerpt from Managing Floodplain Development in
             Approximate Zone A Areas: A Guide for Obtaining
             and Developing Base (100-Year) Flood Elevations ............................................F-7


Appendix G          Additional Guidance from FEMA
      Effects of Non-Participation in the National Flood Insurance Program ....................G-3
      NFIP Restrictions on Federal Assistance in Sanctioned Communities........................G-4
      Policy Guidance: Flood Zone Determinations for Unmapped Communities ..........G-6
      Procedures for “No-Impact” Certification for Proposed Developments
      in Regulatory Floodways..................................................................................................G-7
      FEMA Guidelines for Local Variance and Appeal Boards ..........................................G-10
      Questions and Answers Concerning Fee Schedule for Conditional
      and Final Map Amendments and Revisions ................................................................G-15
      Processing Letters of Map Amendment or Revision ..................................................G-20
      COBRA Zone Fact Sheet ..............................................................................................G-25

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       FIA Contractors..............................................................................................................G-27

Appendix H Sample NFIP Biennial Report
       NFIP Biennial Report for City of Ormond Beach ........................................................H-3

Appendix I         Forms for Reproduction
       Application for Participation in the National Flood Insurance Program
       Resolution of Intent
       Floodplain Development Permit Application [4 pages]
       Permit Review Checklist
       Floodplain Development Permit
       Log of Floodplain Development Permits
       V-Zone Certification
       Engineering “No-Impact Certification”
       Floodproofing Certificate for Non-Residential Structures [2 pages]
       Standard Flood Hazard Determination Form and Instructions [4 pages]
       Elevation Certificate and Instructions [10 pages]
       LOMA/LOMR Package [22 pages]
       MT-EZ Form [3 pages]




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