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~ 2 evidence of adoption of floodplain management regulations that meet the slandards of Paragraph 60.3( d) ofthe enclosed NFIP regulations (44 CFR 59, etc.) by the effective date of the FIRM, These standards are the minimum requirements and do not supersede any State or local requirements of a more stringent nature, It must be emphasized that all of the standards specified in Paragraph 60.3(d) of the NFIP regulations must be enacted in a legally enforceable document. This includes adoption of the current effective FIS report and FIRM to which the regulations apply and other modifications made by this map revision, Some of the standards should already have been enacted by your community in order to establish initial eligibility in the NFIP. Your community can meet any additional requirements by taking one of lhe following actions: . 1. Amending existing regulations to incorporate any additional requiremenls of Paragraph 60.3(d); 2, Adopting all of the standards of Paragraph 60.3(d) into one new, comprehensive set of regulations; or 3. Showing evidence that regulations have previously been adopted that meet or exceed the minimum requirements of Paragraph 60.3(d). Communilies that fail to enact the necessary floodplain management regulations will be suspended from participation in the NFIP and subject to the prohibitions contained in Section 202(a) of the Flood Disaster Protection Act of 1973 (Public Law 93-234) as amended. In addition to your community using the FIS report to manage development in the floodplain, FEMA will use the FIS report to establish appropriate flood insurance rates. On the effective date of the revised FIRM, actuarial rates for flood insurance will be charged for all new structures and substantial improvemenls 10 existing structures localed in lhe identified SFHAs. These rates may be higher if structures are not built in compliance with the floodplain management standards of the NFIP. The actuarial flood insurance rates increase as the lowest elevations (including basement) of new structures decrease in relation to the BFEs eSlablished for your community. This is an important consideration for new construction because building at a higher elevation can greatly reduce the cost of flood insurance, To assist your community in maintaining the FIRM, we have enclosed a Summary of Map Actions to document previous Letter of Map Change (LOMC) actions (Le., Letters of Map Amendment (LOMAs), Letters of Map Revision (LOMRs)) that will be superseded when the revised FIRM panels referenced above become effective. Infonnation on LOMCs is presented in the following four categories: (I) LOMCs for which results have been included on the revised FIRM panels; (2) LOMCs for which results could not be shown on the revised FIRM panels because of scale limitations or because the LOMC issued had determined that the lots or structures involved were outside the SFHA as shown on the FIRM; (3) LOMCs for which results have not been included on lhe revised FIRM panels because the flood hazard infonnation on which the original detenninations were based are being superseded by new flood hazard infonnation; and (4) LOMCs issued for multiple lots or structures where the determination for one or more of the lots or structures cannot be revalidated through an administrative process like the LOMCs in Category 2 above. LOMCs in Calegory 2 will be revalidated through a single letter that reaffirms the validity of a previously issued LOMC; the letter will be sent 10 your community shortly before the effective date of the revised FIRM and will become effective I day after the revised FIRM becomes effective. For the LOMCs listed in Category 4, we will review the data previously submitted for the LOMA or LOMR request and issue a new determination for lhe affected properties after the revised FIRM becomes effective.