HomeMy WebLinkAboutFEMA~engr~
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January 05, 2012
THE HONORABLE BILL CONNELLY
CHAIR, BOARD OF SUPERVISORS
BUTTE COUNTY
25 COUNTY CENTER DRIVE
OROVILLE, CA 95965
CASE NO.: 12-09-0012A
COMMUNITY: BUTTE COUNTY, CALIFORNIA
(UNINCORPORATED AREAS)
COMMUNITY NO.: 060017
DEAR MR. CONNELLY:
This is in reference to a request that the Federal Emergency Management Agency {FEMA) determine
if the property described in the enclosed docuzxzent is located within an identified Special Flood
Hazard Area, the area that would be inundated by the flood having a 1-percent chance of being equaled
or exceeded in any given year (base flood), on the effective National Flood Insurance Program {NFIP)
map. Using the information submitted and the effective NFIP map, our determination is shown on the
attached Letter of Map Revision {CONK) Floodway Determination Document. This determination
document provides additional information regarding the effective NFIP map, the legal description of
the property and our determination.
Additional documents are enclosed which provide information regarding the subject property and
LOMRs. Please see the List of Enclosures below to determine which documents are enclosed. Other
attachments specific to this request may be included as referenced in the DeterminatianlComment
document. If you have any questions about this letter or any of the enclosures, please contact the
FEMA Map Assistance Center toll free at {$77) 336-2627 (877-FEMA MAP) or by letter addressed
to the Federal Emergency Management Agency, LOMC Clearinghouse, 6730 Santa Barbara Court,
Elkridge, MD 21075.
Sincerely,
LIST OF ENCLOSURES:
-,,
Luis Rodriguez, P.E., Chief
Engineering Management Branch
Federal Insurance and Mitigation Administration
LOMR-FW DETERMINATION DOCUMENT (REMOVAL)
cc: StatelCommonwealth NFIP Coordinator
Community Map Repository
Region
Mr. Lambert O. Lowe
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~~ ~~°~ Federal. Emergency Management Agency
Washington, D.C. 20472
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ADDITIONAL INFORMATION REGARDING
LETTERS OF MAP AMENDMENT
When making determinations on requests for Letters of Map Amendment {LOMAs), the Department of
Homeland Security's Federal Emergency Management Agency {FEMA) bases its determination on the
flood hazard information available at the time of the determination. Requesters should be aware that flood
conditions may change or new information may be generated that would supersede FEMA`s determination.
In such cases, the community will be informed by letter.
Requesters also should be aware that removal of a property {parcel of laud or structure) from the Special
Flood Hazard Area {SFHA} means FEMA has determined the property is not subject to inundation by the
flood having a 1-percent chance of being equaled or exceeded in any given year (base flood). This does not
mean the property is not subject to other flood hazards. The property could be inundated by a flood with a
magnitude greater than the base flood or by localized flooding not shown on the effective National Flood
Insurance Program {NFIP) map.
The effect of a COMA is it removes the Federal requirement for the lender to require flood insurance
coverage for the property described. The COMA is not a waiver of the condition that the property owner
maintain flood insurance coverage for the property. Only the lender can waive the flood insurance purchase
requirement because the lender imposed the requirement. The property owner must request and receive a
written waiver frarrt the lender before canceling the policy. The lender may determine, on its own as a
business decision, that it wishes to continue the flood insurance requirement to protect its financial risk on
the loan.
The COMA provides FEMA's comment on the mandatary flood insurance requirements of the NFIl' as they
apply to a particular property. A COMA is not a building permit, nor should it be construed as such. Any
development, new construction, or substantial improvement of a property impacted by a COMA must
comply with. all applicable State and local criteria and other Federal criteria.
If a lender releases a property owner from the flood insurance requirement, and the property owner decides
to cancel the policy and seek a refund, the NFIP will refund the premium paid for the current policy year,
provided that no claim is Bending or has been paid on the policy during the current policy year. The
property owner must provide a written waiver of the insurance requirement from the lender to the property
insurance agent or company servicing his or her policy. The agent or company will then process the refund
request.
Even though structures are not located in an SFHA, as mentioned above, they could be flooded by a flooding
event with a greater magnitude than the base flood. 1_n fact, more than 25 percent of all claims paid by the
NFIP are for policies for structures located outside the SFHA in Zones B, C, X {shaded}, or X {unshaded).
More than one-fourth of all policies purchased under the NFIP protect structures located in these zones.
The risk to structures located outside SFHAs is just not as gxeat as the risk to structures located in SFHAs.
Finally, approximately 90 percent of all federally declared disasters are caused by flooding, and homeowners
insurance does not provide financial protection from this flooding. Therefore, FEMA encourages the
widest possible coverage under the NFIP.
LOMAENC-1 (COMA Removal)
The NFII' offers two types of flood insurance policies to property owners: the low-cost Preferred Risk
Policy (PRP} and the Standard Flood Insurance Policy (SF1P).. The PRP is available for 1- to 4-family _.
residential structures ;located outside -.the SFHA with little or no, loss ,history. The PRP is available for
townhouse/rowhouse-type structures, but is not available far other types of condominium units. The SFIP is
available for all other structures. Additional information on the l?RP_ and hovsr a,property owner can quality
..... ,
for this type of policy;may be obtained,by calling the Flood Insurance Information Hotline, toll free, at I -$00-
427-4661. Before making a final decision about flood insurance coverage, FEMA strongly encourages
property owners to discuss their individual flood risk situations and insurance needs with an insurance agent
or company.
FEMA has established "Grandfather" rules to benefit flood insurance policyholders who have maintained
continuous coverage. Property owners may wish to note also that, if they live outside but on the fringe of the
SFHA shown on an effective NFIP map and the map is revised to expand the SFHA to include their
stnteture(s}, their flood insurance policy rates will not increase as long as the coverage for the affected
structure(s) has been continuous. Property owners would continue to receive the lower insurance policy
rates.
LOMAs are based on minimum criteria established by the NFIP. State, county, and community officials,
based on lmowledge of local conditions and in the interest of safety, may set higher standards for
construction in the SFHA. If a State, county, or community has adopted more restrictive and comprehensive
floodplain management criteria, these criteria take precedence over the ~immu7n Federal criteria.
In accordance with regulations adopted by the community when it made application to join the NFIP, letters
issued to amend an NFIP map must be attached to the community's official. record copy of the map.. That
-map is available for public inspection at the community's official map repository. Therefore, FEMA sends
copies of all such letters to the affected community's official map repository.
When a restudy is undertaken, or when a sufficient number of revisions or amendments occur on particular
map panels, FEMA initiates the printing and distribution process for the affected panels. FEMA notifies
comxunity officials in writing when affected map panels are being physically revised and distributed. In
such cases, FEMA attempts to reflect the results of the LOMA on the new map panel. If the results of
particular LOMAs cannot be reflected on the new map panel because of scale limitations, FEMA notifies the
~` ~ community in writing and revalidates the LOIVI.A.s in that letter. LOMAs revalidated in this way usually will
become effective 1 day after the effective date of the revised map.
Page ~ of 2 Date: January 05, 2012 Case No.: 12-09-0012A LOMB-FW
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~~~ Federal Emergency Management Agency
~' Washington, D.C. 20472
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LETTER OF MAP REVISION FLOODWAY -
DETERMINATION DOCUMENT REMOVAL
COMMUNITY AND MAP PANEL INFORMATION LEGAL. PROPERTY DESCRIPTION
BUTTE COUNTY, CALIFORNIA Parcel 1, as shown on the Parcel Map recorded in Book 109, Pages
(Unincorporated Areas) 4, 5 and 6, in the Office of the Recorder, Butte County, California
{APN:043-600-410)
COMMUNITY
COMMUNITY NO.: 06DD17
NUMBER: OfiDD7CD505E
AFFECTED
E
MAP PAN
L
DATE: 1!612011
FLOODING SOURCE: BIG CHICO CREEK APPROXIMATE LATITUDE & LONGITUDE OF PROPERTY: 39.726, -121.866
SOURCE OF LAT &' LONG: GOGGLE EARTH PRO DATUM: NAD 83
DETERMINATION
OUTCOME 1%ANNUAL LOWEST LOWEST
WHAT IS CHANCE AD,lAGENT LOT
L07 BLOCK/ SUBDIVISION STREET REMOVED FROM FLOOD FLppD GRADE ELEVATION
SECTION THE SFHA ZONE ELEVATION ELEVATION . (NAND 88)
NAND 813) NAND 8$}
- -- -- 1660 Bidwell Avenue Property X - 181.5 feet .180.3 feet
(unshaded}
Special Flood Hazard Area [SFHA) -The SFHA is an area that would be inundated by the flood having , a 1-percent chance of being
equated or exceeded in any given year !base flood}.
ADDITIONAL CONSIDERATIONS (P[ease referto the appropriate section on Attachment i for the additional considerations listed below.}
INADVERTENT ]NCLUSION FLOODWAY 2
This document provides the Federal Emergency Management Agency's determination regarding a request for a Letter of Map Revision for the
property described above. Using the information submitted and Ehe effective National Flood Insurance Program (NFIP) map, we have
determined that the property(ies) islare not located in the NFIP regulatory floodway or the SFHA, an area inundated by the flood having a
1-percent chance of being equaled or exceeded in any given year (base flood). This document revises the effective NFIP map to remove the
subject property from the NFIP regulatory floodway and the SFHA located on the effective NFIP map; therefore, the Federal mandatory flood
insurance requirement does not apply. However, the lender has the option to continue the flood insurance requirement to protect its financial
risk on the loan. A Preferred Risk Policy (PRP} is available far buildings located outside the SFHA. Information about the PRP and haw one
can apply is enclosed.
This detem7ination is based on the flood data presently available. The enclosed documents provide additional information regarding this
determination. If you have any questions about this document; please contact the FEMA Map Assistance Center to11 free at (877} 336-2627
(877-FEMA MAP} or by fetter addressed to the Federal Emergency Management Agency, LOMC Clearinghouse, 673U Santa Barbara Court,
Elkridge, MD 21D75.
_~
Luis Rodriguez, P.E., Chief
Engineering Management Branch
Federal Insurance and Mitigation Administration
Page 2 of 2 Date: January 05, 2092 Case No.: '12-09-00'i2A , LOMR-FW
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~~~° Federal Emergency Management Agency
°~4~ Washington, D.C. 204'12
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LETTER OF MAP REVISION FLOODWAY
DETERMINATION DOCUMENT (REMOVAL)
ATTACHMENT 1 (ADDITIONAL CONSIDERATIONS)
INADVERTENT INCLUSION IN THE FLOODWAY 2 {NO PORTION OF THE PROPERTY !N THE
FLOODWAY) (This Additional Consideration applies #o the preceding'! Property.}
The National Flood Insurance Program (NFIP) regulatory floodway is the area that must remain unobstructed in
order to prevent unacceptable increases in base flood elevations. Therefore, na construction may take place in
an NFIP regulatory floodway that may cause an increase in the base flood elevation, and any future construction
or substantial improvement on the property remains subject to Federal, StatelCommonwealth, and local
regulations for flaodplain management. The NFIP regulatory floodway is provided to the community as a tool to
regulate floadplain development. Therefore, the NFIP regulatory floodway modification described iri the
Determination Documen#, while acceptable to the Federal Emergency Management Agency (FEMA), must also
be acceptable to the community and adopted by appropriate community action, as specified in Paragraph
60.3{d} of the NFIP 'regulations. Any proposed revision to the NFIP regulatory floodway must be submifted to
FEMA by community.offlcials. The community should contact either the Regional Director (for those communities
in Regions l-IV, and VI-X), or the Regional Engineer (for those communities in Region V} for guidance an the data
which must be submifted for a revision to the NFIP regulatory floodway. Contact information for each regional
office can be obtained by calling the FEMA Map Assistance Center toll free at {877) 336-2627 {877-FEMA
MAP) or from our web site at httpalwww.fema.gov/about/regaff.htm.
This attachment provides additional information regarding this request. If you have arsy questions about this attachment, please contact Ehe
FEMA Map Assistance Center toll free at (877) 336-2627 (877-FEMA MAP) or by letter addressed to Ehe Federal Emergency Management
Agency, LOMC Clearinghouse, 6730 Santa Barbara Court, Ellcridge, MD 21075.
_,.___,
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Luis Rodriguez, P.E., Chief
Engineering Management Branch
Federal Insurance and Mitigation Administration