The National Flood Insurance Program The New Elevation Certificate

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					The National Flood Insurance Program:
    The New Elevation Certificate




       Sponsored b CASFM CRS Committee
       S       d by:             C itt
                  April 30, 2009

        Tom Birney – Michael Baker Jr., Inc.
Workshop Overview                            Flood Map
                                            Modernization




 Basic Definitions
 Overview of the Elevation Certificate
 Discussion of the changes made to the Elevation
Certificate
 Background information on Letters of Map Change
(LOMC)
 Discussion on how the Elevation Certificate is used
for Letters of Map Change (LOMC)
Definitions                                         Flood Map
                                                   Modernization




SFHA - Special Flood Hazard Area: The land in the floodplain
within a community subject to a one-percent or greater chance
of flooding in any given year
BFE – Base Flood Elevation: The elevation of the flood having
a one percent chance of being equaled or exceeded in any
given year
LOMC - Letter of Map Change: An amendment or revision
through the MT-1 or MT-2 process
LAG - Lowest Adjacent Grade: The elevation of the lowest
ground touching the structure’s foundation
 • ****Elevation of ground, sidewalk, patio, or deck support
   immediately next to building****
Definitions Continued                                      Flood Map
                                                          Modernization




Fill: Defined as material from any source placed to raise the
ground to or above the BFE.
 • The common construction practice of removing unsuitable
     i i           i (      i)           fi i      i
   existing material (topsoil) and backfilling with select structural
   material is not considered the placement of fill if the practice
   does not alter the existing (natural grade) elevation.
 • Fill that is placed before the date of the first NFIP map showing
   the area in a SFHA is considered natural grade.
       Check with the Community Status Book to determine when the
       community entered the NFIP.
FIRM    Flood Map
       Modernization
What is the Elevation                                      Flood Map

Certificate Used For?                                     Modernization




The Elevation Certificate is an administrative tool of the National
Flood Insurance Program (NFIP) and is to be used to provide
elevation information necessary to:
  • Ensure compliance with community floodplain management
    ordinances
  • To determine the property insurance premium rate
  • To support Letter of Map Change (LOMC) requests
       Use of this certificate does not provide a waiver of the flood
       insurance purchase requirement
       Only a LOMC can issue a determination document that removes
       the Federal mandate for a lending institution to require the
       purchase of flood insurance
The New Elevation Certificate    Flood Map
                                Modernization
What’s Different?                                  Flood Map
                                                  Modernization




           A        A8.d     A9 d
In Section A, items A8 d and A9.d are added
 • Asks: Engineered flood openings?
In Section C, C2.h is added
 • Asks: Lowest adjacent grade at lowest elevation of deck
   or stairs, including structural support
In Section D, question asks about Lat/Long
Instructions have been revised, clarified and
expanded
Two new Building Diagrams have been added
Section A                                                                       Flood Map
                                                                               Modernization




•Elevation Certificate Expires March 31, 2012
     •FEMA h permitted a 12 month transition period b i i A il 1, 2009
      FEMA has         i d              h      ii      i d beginning April 1
•Section A identifies the building, its location, owner and general characteristics
     •Address, owner, Lat/Long, building diagram
Technical Bulletin 1-93                           Flood Map
                                                 Modernization




                  It should be noted that Technical Bulletins
                  provide guidance on the minimum
                  requirements of the NFIP regulations.
                  Community or State requirements that exceed
                                 precedence.
                  the NFIP take precedence All applicable
                  standards of the State or local building code
                  must also be met for any building in a flood
                  hazard area.
Example of Engineered    Flood Map

Openings Certificate    Modernization
 Section B                                                            Flood Map
                                                                     Modernization




•Section B identifies panel information and Base Flood Elevation
    • FIRM panel number, date, flood zone
    • Section B9 is the field for BFE with B10 showing source of BFE
• Section B11 is vertical datum of field B9 only
    •This does not pertain to the vertical datum used in Section C
         •The vertical datum for the elevations within Section C must be
         reported within Section C2
           p
How to Determine Panel Info             Flood Map

and Base Flood Information             Modernization




The Map Service Center Website (MSC)
 • www.msc.fema.gov
Google Earth and the National Flood Hazard
Layer
FEMA Mapping Information Platform
 • www.hazards.fema.gov
National Flood Hazard Layer                  Flood Map

(NFHL)                                      Modernization




Products and Services
1 NFHL GIS Data
1.              D t
2. FEMA MSC Site
3. Utility files for viewing the NFHL WMS
   with Google Earth™
4. MapViewer – Web and related reports




                                                       1
Map Service Center: MSC Site              Flood Map
                                         Modernization




Provides two search options
 • Product Search By field
      p
 • Map Search
MSC will also list current and historic FIRMs,
Flood Insurance Study, LOMCs, and more
Site address: www.msc.fema.gov
 Flood Map
Modernization
Google Earth                                          Flood Map
                                                     Modernization




Google Earth
 • The FEMA NFHL utility allows use of Google Earth to view
   custom combinations of flood hazard information.
     NFHL includes: flood zones, floodways, BFE lines, cross
     sections, LOMC, FIRM boundaries, panel number, etc.
     https://hazards.fema.gov/femaportal/wps/portal/NFHLWMSkmzdo
                          g
     wnload
 Flood Map
Modernization
FEMA Mapping Information                          Flood Map

Platform: MIP                                    Modernization




Interactive to allow layers to be changed
 • Flood zones, BFE, cross sections, bench marks, topo
   maps, aerial
Displays LOMCs
 • Hyper link to the pdf of the document
Site: www.hazards.fema.gov
 Flood Map
Modernization
  Section C                                                                                              Flood Map
                                                                                                        Modernization




•Section C1.: Building elevations
      •If the Elevation Certificate is used to support a LOMC (LOMA or LOMR-F), elevations must be based on
      Finished Construction
      •See * stating a new Elevation Certificate will be required when construction is complete
             •A new Elevation Certificate is required, not a letter from the engineer or surveyor stating that the elevations
              A         l    i C ifi       i      i d        l      f     h      i                      i   h h l        i
             did not change
      •Finished Construction is when all machinery and/or equipment have been installed and the grading around the
      building is completed
             •If final grading has not been completed, this has a p
                       g      g                 p     ,                                               p
                                                                  potential to alter the elevations reported within Section C
             •For the LOMC process, this may result in causing problems for the requestor
  Section C                                                                                             Flood Map
                                                                                                       Modernization




•Section C2: Vertical Datum
      • If the Elevation Certificate is used to support a LOMC (LOMA or LOMR-F), datum must be NGVD 29 or
      NAVD 88
      • If the elevations are in a different datum, please provide the conversion and state if the elevations have been
      converted. If further explanation is needed, there is room provided within Section D
•Section C2 F.: LAG
•Section C2 H. : Lowest adjacent grade at lowest elevation of deck or stairs, including structural support
      •This information is provided if the certificate is being used to support a LOMC
•For LOMC process, the LAG (C2 F) or C2 H, whichever is lower, must be at or above the BFE
 For
      •The LOMC process determines removal/denials not on finished floor elevation but rather C2 F or C2 H
 Section D                                                                    Flood Map
                                                                             Modernization




•Question asking about location of latitude and longitude is new
•Section D can only be completed by a professional surveyor, engineer or architect who is
authorized by law to certify elevation information
•By completing Section D, the professional is certifying that the information on the
                          D
certificate is accurate based on the best available data
      •Any false statement may be punishable by fine or imprisonment under 18 U.S.
      Code, Section 1001
 Section D Continued                                                             Flood Map
                                                                                Modernization




•Comments: The more information, the better
      •Details on BFE, vertical datum, unique situations
•If the comments do not all fit within this section, make a note of this, check the attachment
box and provide the additional data
Section E                                                                     Flood Map
                                                                             Modernization




•Section E is not used for LOMCs
     •If the Elevation Certificate is used to support a LOMC, the Elevation Certificate must
     be completed by a professional and Sections A, B, C and D are required to be filled
     out
•Section E is more for community and insurance purposes
Section F                                                                     Flood Map
                                                                             Modernization




•This section is provided for certification of measurements taken by a property owner or
property owner’s representative when responding to Sections A, B, and E
Section G    Flood Map
            Modernization
  Section G Continued                                                                           Flood Map
                                                                                               Modernization




•The community official who is authorized by law or ordinance to administer the community’s floodplain management
ordinance can complete Sections A, B, C, E and G of the Elevation Certificate.
                  p               , , ,
      •Section C may be completed only if the elevations were originally obtained by a professional surveyor or
      engineer
•Section G is mostly used for community compliance purposes
Letters of Map Change and        Flood Map

the New Elevation Certificate   Modernization
Letters of Map Change: LOMC                      Flood Map
                                                Modernization




 The FIS and FIRMS are prepared with rigorous technical
 standards
 Although changes are sometimes necessary due to:
 •   Improved techniques
 •   Physical changes
 •   New Data
 •   Limitations of Scale
      p
 LOMC processes allow to revise the FIRM and FIS.
  Letters of Map Change - LOMCFlood Map
                             Modernization




                           LOMC

          MT-1                        MT-2
          (Amendments)               (Revisions)


LOMA            CLOMA               O
                                   LOMR            PMR
       LOMR-F            CLOMR-F          CLOMR
Map Revision Types                                       Flood Map
                                                        Modernization




 Amendments:                                MT-1
                    g y           parcels
  • Structures or legally defined p
                                              LOMA
  • Does not involve H&H analysis (Unless
    Zone A)                                   LOMR-F
  • Requires submittal of MT-1 Forms          Conditional
    Does not involve changes in BFE
  • D       ti   l    h        i
  • Can not be used for properties in an
                                              LOMR-FW
    Alluvial Fan                              (Floodway)

 Revisions:
  • More complex map changes                MT-2
  • Not usually lot or structure specific
                                              PMR
  • Typically involves H&H analysis
  • Requires submittal of MT-2 Forms          LOMR
                                              Conditional
Amendments (MT-1)                                     Flood Map
                                                     Modernization




Letter of Map Amendment (LOMA)
 • Request for exclusion of individual structure(s) and/or
   legally defined parcel(s) of land that were inadvertently
   included in the SFHA
 • Process outlined in Part 70 of NFIP Regulations
L tt of M Revision Based on Fill (LOMR-F)
Letter f Map R i i B d                  (LOMR F)
 • Request for exclusion of individual structure(s) and/or
     g y           parcel(s) of land that were elevated by
   legally defined p     ()                              y
   earthen fill
 • Process outlined in Part 65 of NFIP Regulations
Amendments (MT-1)                                       Flood Map
                                                       Modernization




Conditional Letter of Map Amendment (CLOMA)
      letter f              t ti that           d t t
 • A l tt from FEMA stating th t a proposed structure th t ithat is
   not to be elevated by fill (natural grade) would not be
   inundated by the base flood if built as proposed.
 • Process outlined in Part 70 of NFIP Regulations
Conditional Letter of Map Revision Based on Fill (CLOMR-F)
 • A letter from FEMA stating that a parcel of land or proposed
   structure that will be elevated by fill would not be inundated
          e b se ood          s p ced on e parcel s proposed or
   by the base flood if fill is placed o the p ce as p oposed o
   the structure is built as proposed.
 • Process outlined in Part 65 of NFIP Regulations
So Why do a Conditional                                 Flood Map

Case?                                                  Modernization




CLOMA or CLOMR-F:
 • Does not amend the NFIP map
                 gp
 • NOT a building permit!
 • Simply a comment document stating whether a
   structure/parcel of land will be safe from flooding if built as
   proposedd
 • Mostly the same data requirements as LOMA or LOMR-F
     q    ,          proposed data
   request, but with p p
 • So why do a CLOMA or CLOMR-F?
       Flood Map
      Modernization

LOMA



BFE




                 3
LOMA                                                                    Flood Map
                                                                       Modernization




                                       House Inadvertently Included (Natural High
                                      Ground) in the 1% Annual Chance Floodplain
      House Correctly Shown
                    y                 Because of Topographic Limitation of Source
          in Floodplain                     Map Used to Prepare the FIRM




                       g           q                      ground
 Part 70 of the NFIP Regulations requires that the lowest g
    touching the structure be equal to or higher than the BFE
       Flood Map


LOMR-F
LOMR F
      Modernization




BFE




                 3
LOMR-F                                                 Flood Map
                                                      Modernization




Revision to the SFHA with no change to the BFE
In areas with special flood hazard, it may be feasible to elevate
areas with fill above the BFE
LOMR-F                                                                    Flood Map
                                                                         Modernization




     House Correctly Shown                           House Elevated by the
         in Floodplain                                 Placement of Fill


  Parts 60 and 65 of the NFIP regulations require that lowest ground
  touching the structure and the lowest floor elevation be equal to or
  higher h
  hi h than BFE
LOMC Required Fees                         Flood Map
                                          Modernization




            Service
   P d t or S
   Product      i                  User Fee
                                   U    F
     •   LOMA                      Exempt
     •   CLOMA
          Single lot/structure     $500
          Multiple lot/structure   $700
     •   CLOMR-F
          Single lot/structure     $425
          Multiple lot/structure   $800



                                                     4
LOMC Required Fees                            Flood Map
                                             Modernization




            Service
   P d t or S
   Product      i                     User Fee
                                      U    F
     •   LOMR-F
           Single lot/structure       $425
           Multiple lot/structure     $800
     •   LOMR-F following a CLOMR-F
           Single lot/structure       $325
           Multiple lot/structure     $700




                                                        4
Amendment Review by FEMA                    Flood Map
                                           Modernization




FEMA is required to notify the applicant in writing
within 60 days form the date of receipt of all data
Requesters may check on status of all Letter of Map
Change requests by contacting the FEMA Map
Assistance Center toll-free at 877-FEMA MAP (336-(
2627).
Workshop Overview                           Flood Map
                                           Modernization




Basic Definitions
Overview of the Elevation Certificate
Discussion of the changes made to the Elevation
Certificate
Background information on Letters of Map Change
(LOMC)
Discussion on how the Elevation Certificate is used
for Letters of Map Change (LOMC)
Questions?                                                  Flood Map
                                                           Modernization




• Amendments Manager
  – FEMA Regions 8, 9, and 10
    • Tom Birney – Michael Baker Jr., Inc – 720.514.1110
Building Diagrams 1 and 9    Flood Map
                            Modernization
New Building Diagrams    Flood Map
                        Modernization
New Building Diagrams                   Flood Map
                                       Modernization




                 Diagram 1B is the same as
                               e cept
                 Diagram 1A except the
                 structure is on a raised slab or
                 stem wall
Diagram 9                                     Flood Map
                                             Modernization




            •Diagram 9 is very similar to Diagram 2
                g             y               g
            •The bottom floor is below grade on all sides
                •A floor that is below ground level on all
                sides is considered a basement even if the
                          sed     living p rposes
                floor is used for li ing purposes, or as an
                office, garage, workshop, etc.

            •So what then is the difference between Diagram
            2 (structure with a basement) versus Diagram 9
            (structure with a crawlspace)
                  •The distinguishing feature is the distance
                  between the lowest floor and the next higher
                  floor
The Difference Between                               Flood Map

Diagram 2 and 9                                     Modernization




               •Distinguishing feature for Diagram 9
                    •The distance from the crawlspace floor to the
                     Th di         f      h       l      fl        h
                    top of next floor is more than 5 ft, or the
                    crawlspace floor is more than 2 feet below the
                         ,                                p
                    LAG, then it is not deemed a crawlspace but a
                    basement
                    •This definition is what is found on the
                    Elevation Certificate but NFIP has a technical
                    bulletin th t     id        t d t il        di
                    b ll ti that provides greater detail regarding
                    crawlspace construction
                    •NFIP Technical Bulletins:
                         •http://www.fema.gov/plan/prevent/flood
                         plain/techbul.shtm
 Flood Map
Modernization
 Diagram 9 and Technical                                                      Flood Map

 Bulletin 11-01                                                              Modernization




                                                   •Per Technical Bulletin 11-01, some
                                                   distinguishing features are:
                                                         • The interior grade of the
                                                         crawlspace cannot be more than 2
                                                         feet below the LAG
                                                              •Shown as item D in the
                                                              diagram on the left


•The difference between the crawlspace elevation and that of bottom of floor joist cannot
exceed 4 feet
     •Shown as item L on above diagram
     •This limitation will prevent crawlspaces from being converted into habitable spaces
      Thi li it ti      ill      t     l        f   b i           t d i t h bit bl
     •The height limitation was determined using engineering analyses and building code
     requirements for flood hazard areas (page 7 of Technical Bulletin 11-01)
•Further restrictions apply and should be referenced to Technical Bulletin 11-01
                       pp y
     •This pertains more to community compliance and documentation