Preliminary DFIRM Community Coordination (PDCC) Meeting Dixie County, FL February 10, 2016

2 1.Introductions 2.Study Process and Timeline 3.Overview of Preliminary Products 4.Overview of Map Adoption Process 5.Looking at the Maps 6.Questions and Answers Agenda

Introductions 3

Meeting Objectives Community Engagement ► understanding of project scope and changes to mapping products ► feedback on preliminary mapping products ► understanding of statutory rights, process, and schedule forward ► understanding of regulatory requirements 4

Previous Projects ► Dixie County – Map Mod Effective 09/29/2006 Existing Projects ► FY09 Dixie Physical Map Revision ► Cardno TBE, Inc. and Gemini Engineering & Sciences, Inc. ► Scoping Meeting – 10/05/2010 ► Preliminary distribution – 04/25/2013 ► Meeting to discuss 04/25/2013 preliminary products – 10/03/2013 ► Modeling to be reviewed, updated and combined with Lower Suwannee Risk MAP project ► FY10 Lower Suwannee Risk MAP ► Amec Foster Wheeler (formerly AMEC) & North Florida Professional Services ► Parts of Dixie, Gilchrist, Lafayette, Levy, Madison, & Suwannee Counties ► Discovery Meeting – 09/08/2011 ► Interim Meetings – Summer 2013 ► FRR / Resilience Meeting – 11/20/2013 ► Meeting to discuss/approve revisions to FY09 study – 12/18/2014 ► Combined Preliminary Issuance for Dixie County – 01/08/ Study Process & Timeline

FY09 Regulatory ► New Detailed Study of ► ~ 72 sq. mi. near Cross City ► Revision of 10 FIRM Panels FY10 Regulatory ► Redelineation of approx. 30 miles of the Suwannee River ► Zone A Studies ► Northeast portion of county ► Revision of 20 FIRM Panels FY10 Non-Regulatory ► Flood Depth & Analysis Grids for New Studies & Redelineation Miles, including Picket & Adams Lakes ► Changes Since Last FIRM GIS Layer ► Flood Risk Map & Report ► Average Annual Loss GIS Layer for County Scope of Work – Dixie County

Study Process & Timeline FY09 Revision FY10 Risk MAP January 8, 2016 Preliminary Maps 8

Revisions to the Regulatory Products Flood Insurance Rate Map

Revisions to the Regulatory Products Flood Insurance Report

Summary of Map Actions (SOMA) There are four possible categorizations for LOMCs on the SOMA, as follows: ► Category 1 – LOMCs Incorporated ► Category 2 – LOMCs Not Incorporated ► Category 3 – LOMCs Superseded ► Category 4 – LOMCs To Be Re-determined LOMCs in Category 2 will be issued on a revalidation letter when the effective maps are issued

Summary of Map Actions Reasons a LOMC would be added to Category 3 (superseded) ► Lowest Adjacent Grade to the structure (LAG) is below the proposed Base Flood Elevation ► Lowest Ground/Lot Elevation (LLE) is below the proposed Base Flood Elevation Category 4 includes LOMCs In Question which cannot be entirely revalidated nor can they be entirely superseded. These LOMCs would originally have had multiple structure or multiple properties identified as the focus of the determination.

Post Preliminary Processing Schedule Preliminary Phase Meetings 90-Day Appeal & Comment Period Resolve Appeals & Finalize Map Products 6-Month Compliance Period  Preliminary Maps Issued  PDCC Meeting and Public Open House  End of Appeal & Comment Period  Letter of Final Determination  Effective Maps We are here

Dixie Schedule Preliminary Map Products November 17, 2015 PDCC Meeting February 8, 2016 Appeal/ Comment Period March - June 2016 Letter of Final Determination Issued July 2016 Effective Maps January 2017 Community Compliance Period July 2016 – January 2017

Appeal and Comment Period ► Dixie County will have a 90-day appeal period for all changes to Special Flood Hazard Areas. ► SFHA changes will be published in the Federal Register ► SFHA changes will be published in your local newspapers ► March 2016* will begin the 90-day appeal period *estimated time Appeals are for all SFHA changes

Appeal and Comment Period The appeal and comment period notification will be published in the following newspapers: ► Dixie County Times ► Others?

What is an Appeal? The new or revised BFEs are believed to be scientifically or technically incorrect The BFEs are scientifically incorrect if: ► The methodology used and assumptions made in the determination of the BFEs is inappropriate or incorrect The BFEs are technically incorrect if: ► The methodology was not applied correctly or was based on insufficient or poor-quality data. ► The methodology did not account for the effects of physical changes that have occurred in the floodplain.

Data Submission Explanation for alternative methodology Hydrologic Analysis Hydraulic Analysis Revised Flood Profiles Revised Floodplain and Floodway Boundary delineations

Appeal and Comment Period ► Dixie County will also have a comment period. ► Comments do not involve BFEs. ► Comments include, but are not limited to, the following: ► Channels Names and Locations ► Road Names and Locations ► Corporate Limit Changes All other changes are considered Comments

Appeal and Comment Period Please direct your comments to your local floodplain administrator. Your local floodplain administrator can submit all appeals and comments to: Brian Kauffman Suwannee River Water Management District 9225 CR 49 Live Oak, FL We will not move forward until your appeals and comments are resolved.

Process After the 90-day appeal period has elapsed, FEMA: ► By a letter to the CEO, will acknowledge receipt of all appeals submitted. ► Will review all appeals and the supporting data submitted with the appeal. ► If additional supporting data is required, will be request by letter. ► If appeals are not supported by data, will inform the CEO by letter that the appeals are denied.

Process ► If appeals are adequately supported, will revise the BFEs and any other information affected by the appeals. ► Will revise the FIRM if necessary. ► A letter that explains the resolution of the appeals will be sent to the CEO. ► The community will have 30 days to review and comment on the resolution. ► FEMA will issue a final BFE determination letter.

Letter of Final Determination ► After the 90-day appeal period and all appeals and comments have been resolved, FEMA will issue a Letter of Final Determination (LFD) ► Along with the LFD, the Final Summary of Map Actions (SOMA) will be sent, informing the community of Letters of Map Change that will be revalidated or superseded ► The LFD begins a 6-month Compliance Period, during which the community will adopt the new maps into their floodplain ordinance

Compliance Period ► Communities may be contacted by FL State NFIP staff or by FEMA Region 4 staff offering assistance with reviewing & updating their floodplain ordinance. ► Ordinance may require an update to adopt the new FIS, FIRM, and all supporting technical data. ► Once the LFD letter is received, providing the effective date of the new FIS and FIRMs, the ordinance may be updated at any time. **Ordinance level will not change based on these revisions

Compliance Period ► After adoption, copy is sent to the FL NFIP office and to FEMA Region 4 for review. ► Update files showing the community’s ordinance is NFIP compliant. ► If we do not receive the updated ordinance before the effective date, the community will be suspended from the NFIP…… ► Please begin the ordinance review process as soon as you receive the LFD!

Compliance Period ► Technical support can be obtained by phone or e- mail ► For more information, please contact Florida’s National Flood Insurance Program (NFIP) Office: Steve Martin

Effective Maps After the Compliance Period ends, communities will receive: ► Paper copies of the effective Flood Insurance Rate Maps and Flood Insurance Study Report, as well as digital data ► A Revalidation Letter, informing the community of all Letters of Map Change that have been revalidated on the new maps

Opportunities to Update the Maps A Flood Insurance Study Update is NOT the only time that your maps can be updated. ► Letter of Map Amendment (LOMA), MT-1 Form ► Letter of Map Revision - Fill (LOMR-F), MT-1 Form ► Letter of Map Revision (LOMR), MT-2 Form

Letter of Map Change (MT-1) ► Provides an administrative procedure where by FEMA will review information submitted by an owner of property who believes that his or her property has been inadvertently included in a designated special flood hazard area. ► Download MT-1 Forms at: program-flood-hazard-mapping/mt-1-application-forms- instructions

Letter of Map Revision (MT-2) ► Applicable any time better data is available ► Based on the changes to the hydrologic or hydraulic characteristics of a flooding source, that results in the modification of the Base Flood Elevations, floodway, and/or the Special Flood Hazard Area. ► Is a modification to an effective Flood Insurance Rate Map. The LOMR officially revises the Flood Insurance Rate Map. ► Download Forms at: program-flood-hazard-mapping/mt-2-application-forms- and-instructions

Looking at the Maps: Risk and Flood Insurance Determine your flood risk Nearly everyone is at risk of flooding: ► High Risk – Special Flood Hazard Area (SFHA), identified as Zone A, Zone AE, V or VE on flood maps ► Moderate Risk – Identified as shaded Zone X on flood maps ► Low Risk – Identified as unshaded Zone X areas on flood maps

Looking at the Maps: Risk and Flood Insurance Requirements in a High-Risk Zone Federally-regulated lenders making new loans or modifying existing loans secured by a building in the SFHA must require the borrower to purchase flood insurance for the term of the loan

33 Looking at the Maps: Risk Change Scenarios If Maps Show…These Requirements, Options And Savings Apply Change from low or moderate flood risk to high risk ( flood zone B, C, or X to zone A, AE, AH or AO) Flood insurance is mandatory. Flood insurance will be federally required for most mortgage holders. Insurance costs may rise to reflect the true (high) risk. Change from high flood risk to low or moderate risk (e.g., flood zone A, AE, AH, AO, to X or shaded X) Flood insurance is optional but recommended. The risk has only been reduced, not removed. Flood insurance can still be obtained, and at lower rates. About 25 percent of all flood insurance claims come from moderate-to-low-risk areas. Conversion offers savings. An existing policy can be easily converted to a lower-cost Preferred Risk Policy, if the building qualifies. Note that lenders always have the option to require flood insurance in these areas. Increase in the Base Flood Elevation (BFE) An increase in BFE can result in higher premiums; however, “grandfathering” can offer savings. The National Flood Insurance Program grandfathering rules allow policyholders who have built in compliance with the flood map in effect at the time of construction to keep the earlier base flood elevation to calculate their insurance rate. This could result in significant savings. No change in risk level No change in insurance rates. However, this is a good time to review your coverages and ensure that your building and contents are adequately protected.

Additional Resources  SRWMD Website:  Community Engagement Website: View Risk MAP Products View Scope of Work Download Relevant Documents View Execution Schedule Search for an Address

Questions and Answers Brian Kauffman Suwannee River Water Management District 9225 CR 49 Live Oak, FL Brad Heilwagen, PE, CFM Amec Foster Wheeler Environment & Infrastructure 3800 Ezell Road, Suite 100 Nashville, TN