CRS in GeorgiaHow Does it Work?Why Participate?

Community Rating System

Thomas Tkacs, P.E.

August 28, 2014

Community Rating System

• Introduction• How to join CRS• Letter of interest• Designate CRS coordinator• Statement community will comply with

verification efforts.• FEMA must authorize ISO/CRS specialist• Schedule verification meeting• Quick Check >= 500 points

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CRS

• Setting• FEMA in financial hole• Terminate subsides• Increased insurance cost• To mitigate higher policy costs,

communities can join the Community Rating System (CRS)

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CRS

• CRS encourages communities to implement actions that reduce flood risk.

• Reduced risk reduces the cost of the insurance coverage.

• Reduced insurance premiums for policy holders.

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CRS

• Larger effort than you realize.• Easy to underestimate scope, schedule

and cost.• Develop plan to compile and execute

plan.• Identify activities that have already been

completed.

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CRS Scope

• 18 Activity Series • 109 Activities• Impact criteria. Can be several impact

criteria for a given activity.• Point adjustments, for partial CRS

credit.• All steps, processes, calculations and

products must be documented.6

CRS Support & Guidance

• www.CRSResources.org• CRS Quick Check• Activity checklists and documentation

check lists• Activity Check• Documentation Lists• Activity elements

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CRS Webinars

Title Date

Intro to CRS 07/15/14, 10/21/14, & 12/16/14

Preparing for Verification Visit 11/18/14

Preparing Annual ReCert. 08/19/14 & 09/16/14

Natural Floodplain Functions 08/20/14

Drainage System Maintenance 07/16/14 & 09/17/14

Developing Outreach Projects

Flood Warning and Response 11/19/14

Developing Plans for Public Info.

Coverage Improvement PlanUsing FloodSmart tools

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CRS Points and Cost Reduction

Class Points Reduction% (SFHA)

% Reduction Out of SFHA

1 >4,500 45 10

2 4,000 to 4,499 40 10

3 3,500 To 3,999 35 10

4 3,000 to 3,499 30 10

5 2,500 to 2,999 25 10

6 2,000 to 2,499 20 10

7 1,500 to 1,999 15 5

8 1,000 to 1,499 10 5

9 500 to 999 5 5

10 0 to 499 0 0

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CRS Notes

• Preferred Risk Properties – No discounts.

• Minus-rated policies may not be eligible for CRS premium discounts.

• Premium discounts are subject to change.

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310 Elevation

• Elevation Certificate certified after CRS application date (311.d)

• Post-FIRM building• Pre-FIRM building• Computer format• EC’s on commercial website

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320 Map Information Service

• Basic FIRM• LIMWA floodway• Other flood problems• Flood depth data• Special flood hazards• Historic flood info• Natural floodplain functions

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330 Outreach Projects

• Outreach projects (OP)• Outreach project to FP properties• Outreach projects• Additional outreach projects• Flood response preparations (FRP)• Program for Public Information(PPI)• Stakeholder delivery (STK)

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340 Hazard Disclosure

• Real estate agents disclosure• Other disclosure required• Real estate brochure• Disclose other hazards

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350 Floodplain Direction

• Flood protection library• Locally pertinent documents • Website• Cover outreach project topics• Elevation certificate• Warning/safety information• Real Time streamgage info• EC’s on website available for download

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360 Flood Protection Assistance

• Site specific hazards• Contractor names• Contractor management• Advice after a site visit• Financial assistance advice• Training

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370 Flood Insurance Promotion

• Flood insurance assessment• Coverage plan• Plan implementation• Technical assistance

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410 Floodplain Mapping

• New Study• State review bonus• Leverage for non-FEMA cost share (multiplier)• Higher study standards• Floodway standard• Special hazard points to be added in later• Sign the CTP• CTP bonus for NS credit• 802 points

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420 Open Space Preservation

• Preserved open space• Deed restriction on OSP parcel• Natural functions open space• Special hazards open space• Land development criteria/open space

incentives• Low density zoning• Natural shoreline protection• 2,020 points

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430 Higher Regulatory Standards

• Freeboard• Foundation protection• Cumulative substantial improvements• Lower substantial improvements• Protect critical facilities• Prohibit fill/compensatory storage• Natural/beneficial functions regulations• Enclosure Limitations• 2,042 points

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430 con’t

• Other higher standards• Other higher standards/prohibit buildings• Other higher standards/prohibit storage• Special hazards regulations• State mandated standards• Building code

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430 con’t

• Staff training• Building Dept- IAS accredited• Conduct 3 detailed inspections• Re-inspections• Offsite record storage• Manufactured home park regulations• Coastal A-Zone regulations• Freeboard in X Zones/Local drainage

protection

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440 Flood Data Maintenance

• Additional map data (GIS)• Benchmark maintenance• Erosion data maintenance• FIRM Maintenance• 222 points

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450 Stormwater Management

• SWM regulations• Size of development regulated• Design storm/manage sw volume• Public maintenance regulation• Storage basin maintenance• LID• Watershed master plan• Erosion and sediment control• WQ regulations

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520 Acquisition and Relocation

• Five elements• Can only earn credit under one element• Credit criteria specific to each element• Impact adjustment - none

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530 Flood Protection

• Elements (3)• Floodplain Project Technique used• Floodplain Improvement• Protected buildings• Credit Calculation• Option 1 simpler but max 160 points• Option 2 Max 1,900 points• Must count structures

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540 Drainage System Maintenance

• Channel debris removal• Problem site maintenance• Capital improvements program• Stream dumping regulations• Storage basin maintenance• Erosion protection maintenance

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610 Flood Warning and Response

• Flood threat recognition system• Emergency warning dissemination• Flood response operations plan• Critical facilities planning• StormReady community• TsunamiReady community

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620 Levees

• Maintenance• Failure recognition system• Failure warning• Failure operations plan• Failure critical facilities

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630 Dams

• State dam safety program• Failure recognition system• Failure warning• Failure operations plan• Failure critical facilities

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710 Community Growth Adjustment

• US Census growth rate• Community/county growth adjustment

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330 Outreach

• Elements (4)• Outreach projects• Flood response preparations• Program for public information• Stakeholfder delivery

Sample Credit Calculations

• 330 Outreach (Max 350 points)• Two types of projects • Distributed every year• Distributed if event, prepared in advance

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Outreach credits

• Message quantity and content• Nature of project• Quantity of Delivery

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• OP and FRP points increase by 40% if included in PPI

• OP points increase by 30% if stakeholder delivery

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Messages