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2/4/2020
1
Karol L. Grove Licensed Professional Surveyor Certified Floodplain Manager
You are about to go from…
SURVEYOR
to
SUPERHERO!!!
Get ready to think outside of the box….
Get ready to think about flood zones andflood insurance in a whole new light…..
Think about everything you think youknow about Flood Zones & ElevationCertificates...
Now forget it all for the next few hours!!
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WHY?
SITE PLAN
40, 0 SQ, FT,RESERVE Flru)
0 M SJONS0HOME
G-5
IPARGEL0-3
WES,T 1/ COOMER:s .c 4, TJN. RJr:1HANDYT01M\15r!IP,LIVINGSTON cou· TY,MICIGAN
------------N8'9'"4J'5' "'E ........ - - - - - - - - - - - - - - - - - - - - - - - -1
_- H O _g I - - . , _ , - - -
, \ 8,!,-::-:t-:-_----
O-_-r -..:=-3::0.=;U--;;-; - -- - - .._.. 6n,g,agi"45''5 W
lJ.. = 15 37'3i'"R = 2 0;00'L !!!!1 62, 2'cti°= .S8 2.':27'19E
162.55''
1 = - -- - -
------- ·-
• Hr J i 1 1"R = 2.30.00'L == 62.72 1
C = SBZ"'27'1'9'"E62.5 11
,·,8lI
EMff-WEST1/4 LINE SECTION4
LEG:ENDD = SET 1/2.. STEa RiEROD 'lllH
CAF'1 JK'S 35999:
• .:::;; FOUND CORN R IMlrRl<iER
N
' \
'IIIrI
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SITE PLAN
40, 0 SQ, FT,RESERVE Flru)
0 M SJONS0HOME
G-5
IPARGEL0-3
WES,T 1/ COOMER:s .c 4, TJN. RJr:1HANDYT01M\15r!IP,LIVINGSTON cou· TY,MICIGAN
------------N8'9'"4J'5' "'E ........ - - - - - - - - - - - - - - - - - - - - - - - -1
_- H O _g I - - . , _ , - - -
, \ 8,!,-::-:t-:-_----
O-_-r -..:=-3::0.=;U--;;-; - -- - - .._.. 6n,g,agi"45''5 W
lJ.. = 15 37'3i'"R = 2 0;00'L !!!!1 62, 2'cti°= .S8 2.':27'19E
162.55''
1 = - -- - -
------- ·-
• Hr J i 1 1"R = 2.30.00'L == 62.72 1
C = SBZ"'27'1'9'"E62.5 11
,·,8lI
EMff-WEST1/4 LINE SECTION4
LEG:ENDD = SET 1/2.. STEa RiEROD 'lllH
CAF'1 JK'S 35999:
• .:::;; FOUND CORN R IMlrRl<iER
N
' \
'IIIrI
Elevation Certificate
• No longer the Animal it used to be…
• When are they needed???
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FLOOD MAPS…USA
NEW FLOOD MAPS……61 COUNTIES
72 COUNTIES…WISCONSIN
Counties without updated maps
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NEW FLOOD MAPS……61 COUNTIES
New Flood Maps
How accurate are they?
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What YOU will need to know:
SURVEYORS / FLOOD ZONES
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Field Procedures….what YOU will need to know:
FLOOD ZONES - PART 1
FLOOD ZONES - PART 2 (continued)
FLOOD ZONES - PART 2 (continued)
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2013 Downtown Grand Rapids
2013 Downtown Grand Rapids
FLOOD MAPS…COLUMBUS AREA
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• •
What is a Flood Zone?
100 year or 1%
Zone AE, A1-A30,A AO, AH, V, VE
Base Flood Zone
• 100 year flood zone
• 1% flood zone
• Special flood zone hazard area
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Most Common Types of Flood Zones
• Zone AE, A1-A30 (Studied Area)
• Zone A (Non-Studied Area)
• Zone AO & AH (Elevation Not Determined)
• Zone V (BFE Unknown) or VE (BFE Known)
• Zone X shaded or Zone B (100 yr to 500 yr)
• Zone X un-shaded or Zone C (greater than 500 yr)
Floodway:
• Area of moving water
• High hazard area
• Needed to carry flood waters
• “Highway for the water”
New Maps / Flood Zones / Floodways
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Let me tell you a FLOODWAY story...
History…..FLOOD MAPS
1968 National Flood Insurance Act
1970 Wisconsin (1st FIRM)
1973 Flood Disaster Protection Act
1986 FEMA Community Probation Procedures
1994 National Flood Insurance Reform Act
2004 Flood Insurance Reform Act
2005 Katrina
2006 Beginning of New Flood Maps
2012 Biggert Waters Act (2014 Affordability Act)
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Elevation Certificate
• No longer the Animal it used to be…
• When are they needed???
LETTER OF MAP AMENDMENT
LOMA
???????
1. Electronic LOMA / eLOMA2. On-Line LOMC3. “Out as Shown” LOMA4. LOMR-F5. CLOMA & CLOMR-F
LOMA Types
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eLOMA vs. On-Line LOMC• Single or Multiple
Structures (w/BFE)• Single or Multiple
Parcels (w/BFE)• Zone A-Stillwater
(w/BFE)• Zone A with BFE
known• Out As Shown• Floodway
• Condominium Unit (multi-owners)
• Zone A - BFE Unknown
• Fill LOMR-F
LETTER OF MAP AMENDMENT (LOMA)
ELEVATION CERTIFICATE
PLAN B
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People are losing their homes due to the high cost of flood premiums!
YIKES!
History….FLOOD MAPS
FIRMs Are Not “Set In Stone”
Processes Available To Correct Or Change A Federal Insurance Rate Map (FIRM):
Letter of Map Amendment (LOMA)
Letter of Map Revision based on fill (LOMR-F)
Physical Map Revision
Shooting the Structure
Checking the LAG
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Would this house qualify for aLOMA application?
Establishing the BFE AE, A1-A30 Zone
Not the FIRM
FLOOD INSURANCE STUDY (FIS)
THE FLOOD
INSURANCE STUDY(FIS)
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- _e
j
j _
inal O >Y .L..:-C- l .Li-'-""
w VU. s"'-''-"'
1
j
b
Establishing the BFE
Establishing the BFE
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00QCC> 760I-LULULL.
zzCI- 750c'1:>LU.....LU
740
-- - - -"'.. - ~--- - . -CJ
- ---
Structure is located 0_02 miles do nstream of Cross-SecUon "G with a BFE = 753 -7'
,_r -L 1 II
I - 1-'-_,..- ,-.:: - ·- -- ,_ -,_ - -
,_ - ....,,_ _,_- -- _,_ - ,-- - ,-- -- - II"'-....·-- 'I I
Cross-Seer on P'-nI don"t t th-s is
75 3 _5• map a d data sheet list it as)
Teach able mo ent?
- ,.....I ....I
...iI I I Ii I I I.... ....I I.... . . . . J .... I-U
1.5 1.6 1.7 1.8 1.9 2.4
STREA
.0 2.1 2.2 2.3
OIST A CE IN MILES ABOVE MOUTH OF FOND DU LACRIVER
Establishing the BFE
The Flood Insurance Study Profile Sheet
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The Flood Insurance Study Profile Sheet
8 0-- wLL
0a!!
w0:::0z
870 w_J
a..Cl00 <(_J
d TO
,T R
800
I790 -©
>u ...>t-
r,
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Establishing a Base Flood Elevation
THE FLOOD INSURANCE STUDY (FIS)
•Only on the Studied Areas (AE, A1-A30, V Zones)
•3 important places in the FISThe Stillwater ChartFloodway Data ChartProfile Sheets
Establishing a Base Flood Elevation
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LETTER OF MAP AMENDMENT
LOMA
???????
Main Components (when filing)1. Deed
2. Subdivision Plat Map or Tax Map
3. FIRMette
4. Elevation Form or MT-EZ
5. Base Flood Elevation
6. Community Acknowledgement Form (Special)
Completing a LOMA
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• Must be a “copy” of the original
• Must have the recordation stamp from the
Register of Deeds
• Must be a legible stamp
• May not be needed, if in Platted Subdivision
THE DEED
Recorded Subdivision Map
Document No.
Liber & Page Info.
Tax MapParcelLocation
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A FIRMette • Must have the property or structure plotted on it.• Must have a Surveyor certify the location plotted.
I Karol L. Grove hereby certify the location of 2314 Lakeview Trail to be located as shown here below.
FIS Stillwater Chart
FIS Profile
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Floodway Data Table
Elevation
Form
COMMUNITY ACKNOWLEDGEMENT FORMS
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What if the structure is too low???
Establishing the BFEZone A
Non-Studied Area?
Where do we go?
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