Larimer County Public Meeting Colorado Risk MAP Larimer
Larimer County Public Meeting Colorado Risk MAP Larimer County FIRM and FIS Update Virtual March 30, 2021 4: 00 PM COLORADOHAZARDMAPPING. COM
Community Information Community contacts: Larimer County – Devin Traff ([email protected] org) Estes Park - Jennifer Waters ([email protected] org) Loveland – Kevin Gingery (Kevin. [email protected] org) Fort Collins – Marsha Hilmes-Robinson ([email protected] com) *All communities listed at end of presentation Individual Appointments: Schedule a virtual or in-person appointment March 31 -April 2 Additional Information: Larimer County Floodplains Website (www. larimer. org/engineering/floodplains) Larimer County Land Information Locator Colorado Hazard Mapping Website (www. coloradohazardmapping. com) COLORADOHAZARDMAPPING. COM
Purpose for Our Meeting Provide background on why there is a study and who is involved. Brief summary of the study process & timeline Explain mapping results General insurance & development implications Resources & next steps Open general discussion with you COLORADOHAZARDMAPPING. COM
Outline NFIP & Background Study Review & Timeline Results & Mapping Insurance, Appeals & Resources COLORADOHAZARDMAPPING. COM
Why is this important? Updated Risk Information Floods are devastating Mapped flood risk is not static Updated data for hazard mitigation Help protect life, health, and safety Communities Participate in NFIP Building requirements Insurance requirements Keep flood risk current (44 CFR 65. 3. c) Inform public of risk Land use code requirements COLORADOHAZARDMAPPING. COM
NFIP Refresher Voluntary Program Engineers determine risk • Used to determine requirements • Allows discount for less risk Allows homeowners to buy insurance based on Zones and be eligible for federal assistance Federal Program • Overseen by FEMA and Partners • Managed by Communities • Enforced by lenders COLORADOHAZARDMAPPING. COM
Roles Partnership Community Officials • • Administer NFIP Communicate Risk and Changes to it Manage Construction Flood Risk Adaptation Enforcement of Regulations Identification of changed risk Public Communication FEMA State (CWCB) • • Responding to Community Request to Update FIRMs Initiated Risk Identification Updates Community Assistance FEMA Partner • • • Funding for Study Including new study on FIRMs NFIP Private Stakeholders • Work with community officials to update information COLORADOHAZARDMAPPING. COM
Outline NFIP & Background Study Review & Timeline Results & Mapping Insurance, Appeals & Resources COLORADOHAZARDMAPPING. COM
Study Extents Insert Map of Project Area consult county storymap on website as well COLORADOHAZARDMAPPING. COM
Process & Data Overview Terrain Survey Hydrology Hydraulics Floodplains Available upon request (2 ft contours & DEM) On website for download and interactive viewer Provided to communities and also https: //www. arcgis. com/apps/webappviewer/index. html? id=ccd 847 ed 81124 ff 391 fc 31 cf 1 d 6 b 5 c 6 a available at COLORADOHAZARDMAPPING. COM
Regulatory Schedule January 2021 End 2021 Depends On Appeals March 2021 Early 2022 TBD ~ Spring 2021 Summer 2021 - Fall 2021 After Fed. Register Pub & 2 Newspaper Notices *Larimer County is regulating to the best available data if more restrictive than effective COLORADOHAZARDMAPPING. COM
Outline NFIP & Background Study Review & Timeline Results & Mapping Insurance, Appeals & Resources COLORADOHAZARDMAPPING. COM
Do Results Depict Actual Flooding? Actual floods can see different results every time Dam breaks Bridge and culvert clogging Debris Models are based on conditions from topographic data and survey, at a fixed point in time Models are based on best available information at the time COLORADOHAZARDMAPPING. COM
Flood Insurance Rate Maps Refresher Used to rate flood insurance Show Flood Risk 1% Annual Chance Flood 0. 2% Annual Chance Flood Available Online: • FEMA Map Service Center (MSC) • FEMA National Flood Hazard Layer (NFHL) COLORADOHAZARDMAPPING. COM
Floodways • Implications of Floodway vs. Floodplain • Don’t Impact Your Neighbor COLORADOHAZARDMAPPING. COM
Structure Counts Structure Count Study Area Berthoud Estes Fort Unincorporated Park Collins Johnstown Loveland Timnath Wellington County Total in effective SFHA 1, 432 0 98 155 0 122 10 74 973 Total in Prelim SFHA 1, 249 0 163 98 0 134 2 97 755 Added to SFHA 420 0 91 14 0 29 0 25 261 Removed from SFHA 603 0 26 71 0 17 8 2 479 *** Numbers are approximate building counts from a national dataset*** COLORADOHAZARDMAPPING. COM
Who is at risk of flooding? So… Line on a map Best engineering data and judgment used Scientific process allows for changes New information Changed information BUT • You may still be at risk of flooding COLORADOHAZARDMAPPING. COM
Outline NFIP & Background Study Review & Timeline Results & Mapping Insurance, Appeals & Resources COLORADOHAZARDMAPPING. COM
Homeowner’s Insurance Where flood risk changed: requirements aren’t new, risk just updated NFIP requires for federally backed mortgages in Special Flood Hazard Areas (SFHAs): Zone A, AE, AH, AO Banks can require anywhere Flood insurance available anywhere in County Could still flood, line on map doesn’t stop flooding Insurance is required for federal assistance after floods. New Zones go into effect with effective FIRMs, not before Grandfather information COLORADOHAZARDMAPPING. COM
Flood Insurance – Map Changes Newly mapped into a high risk area • Removed from the high risk area • Does not mean no risk • Convert policy after effective Change in Base Flood Elevation • Get preferred risk policy before effective Grandfathering No change to Flood Risk • LOMA/LOMR Option May be Available COLORADOHAZARDMAPPING. COM
Development Implications Community ordinance specifies what is required Different requirement in a floodway and a nonfloodway Community may adopt as best available data Use the most restrictive of old and new until final Floodplain Administrator COLORADOHAZARDMAPPING. COM
Can results be changed? Communities and residents within Larimer County will have a 90 -day appeal period: Appeals must be based on mathematical or measurement errors, natural changed physical conditions, or technically incorrect data or methodology Appeals must be supported by technical or scientific data and submitted within the 90 -day appeal period Appeals are limited to areas with new or modified Special Flood Hazard Areas (SFHA) Appeals must be submitted through the Community, received by FEMA office, reviewed by FEMA contractor, and incorporated, as appropriate COLORADOHAZARDMAPPING. COM
Where do Appeals go? Appeals must be coordinated with community and submitted electronically within the 90 -day period to: FEMA at R 8 [email protected] dhs. gov and CWCB at terri. [email protected] co. us COLORADOHAZARDMAPPING. COM
LOMA/LOMR • • Submit LOMRs as usual Tie into both preliminary and effective data LOMRs based only on preliminary data must be approved by FEMA If allowed, LOMRs based only on preliminary data will not go effective until after physical map revision LOMA Could be revalidated with SOMA Submit new after effective COLORADOHAZARDMAPPING. COM
Other Resources Contacts (Shown on last slide) Local Floodplain Administrator State Study Leads Flood Insurance Representative FEMA Area Representative Flood Smart www. floodsmart. gov (800) 427 -4661 CWCB Flood Page - https: //cwcb. colorado. gov/focusareas/hazards/flood-information-resources Website (next) COLORADOHAZARDMAPPING. COM
Project Website www. coloradohazardmapping. com COLORADOHAZARDMAPPING. COM
Project Website Tutorial & fact sheets COLORADOHAZARDMAPPING. COM
Conclusion Results show risk that is already there! Data will be used for Flood Insurance Rate Maps Floodplains are not “Effective” until FIRMs are released (at least 1 year away) Ask general questions Individual property owners please contact Devin Traff COLORADOHAZARDMAPPING. COM
Project Contacts Community State & Federal Devin Traff, PE, CFM Project Engineer, Larimer County [email protected] larimer. co. us; 970 -498 -5700 Kim Meyer Planning and Development Director, Town of Johnstown [email protected] com; 970 -587 -4664 Marsha Hilmes-Robinson, CFM Floodplain Administrator, City of Fort Collins [email protected] com; 970 -224 -6036 Jennifer Waters Floodplain Manager, Town of Estes Park [email protected] org; 970 -577 -3740 Wesley La. Vanchy Town Manager, Town of Timnath [email protected] com; 970 -224 -3211 Kevin Gingery, PE Stormwater Manager, City of Loveland kevin. [email protected] org; 970 -962 -2771 Bob Gowing, PE Floodplain Administrator, Town of Wellington [email protected] gov; 970 -576 -4095 Chris Gaynes Civil Engineer, FEMA Christine. [email protected] dhs. gov; (303) 235 -4359 Matt Buddie Floodplain Management &Insurance, FEMA Matthew. [email protected] dhs. gov; (303) 842 -4710 Diana B. Herrera Regional Flood Insurance Liaison, FEMA Diana. [email protected] dhs. gov; (303) 235 -4988 Terri Fead, PE, CFM Floodplain Mapping Coordinator, CWCB Terri. [email protected] co. us; (303) 866 -3441 x 3230 Doug Mahan, CFM Community Assistance Coordinator, CWCB Doug. [email protected] co. us; (303) 866 -3441 x 3221 Marta Blanco Castano, CFM, GISP Flood Mapping Program Assistant Marta. [email protected] co. us; (303) 866 -3441 x 3225 COLORADOHAZARDMAPPING. COM
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