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<br />2 <br /> <br />It must be emphasized that all of the standards specified in Section 60. 3 (d) of the NFIP regulations must be <br />enacted in a legally enforceable docwnent. This includes adoption of the current effective FIS and FIRM to which <br />the regulations apply and other modifications made by this map revision. Some of the standards should already <br />have been enacted by your community in order to establish initial eligibility in the NFIP. Your community can <br />meet any additional requirements by taking one of the following actions: <br /> <br />1. Amending existing regulations to incorporate any additional requirements of Section 60.3(d); <br /> <br />2. Adopting all of the standards of Section 60.3(d) into one new, comprehensive set of regulations; <br />or <br /> <br />. <br />3. Showing evidence that regulations have previously been adopted that meet or exceed the <br />minimum requirements of Section 60.3(d). <br /> <br />Communities that fail to enact the necessary floodplain management regulations will be suspended from <br />participation in the NFIP and subject to the prohibitions contained in Section 202(a) of the Flood Disaster <br />Protection Act of 1973 (Public Law 93-234) as amended. <br /> <br />In addition to your community using the Frs to manage development in the floodplain, FEMA will use the FIS <br />to establish appropriate flood insurance rates. On the effective date of the revised FIRM, actuarial rates for flood <br />insurance will be charged for all new structures and substantial improvements to existing structures located in <br />the identified SFHAs. These rates may be higher if structures are not built in compliance with the floodplain <br />management standards of the NFIP. The actuarial flood insurance rates increase as the lowest elevations <br />(including basement) of new structures decrease in relation to the BFEs established for your community. This <br />is an important consideration for new construction because building at a higher elevation can greatly reduce the <br />cost of flood insurance. <br /> <br />To assist your community in maintaining the FIRM, we reviewed our records to detennine if any previous Letters <br />of Map Change (i.e., Letters of Map Amendment, Letters of Map Revision) will be superseded when the revised <br />FIRM panels referenced above become effective. According to our records, no Letters of Map Change were <br />issued previously for the affected FIRM panels. <br /> <br />FEMA makes flood insurance available in participating communities; in addition, we encourage communities <br />to develop their own loss reduction and prevention programs. Our Project Impact initiative, developed by <br />FEMA Director James Lee Witt, seeks to focus the energy of businesses, citizens, and communities in the <br />United States on the importance of reducing their susceptibility to the impact of all natural disasters, including <br />floods, hurricanes, severe storms, earthquakes, and wildfires. Natural hazard mitigation is most effective <br />when it is planned for and implemented at the local level, by the entities who are most knowledgeable of local <br />conditions and whose economic stability and safety are at stake. For your information, we are enclosing a <br />Project Impact Fact Sheet. For additional information on Project Impact, please visit our Web site at <br />www.fema.l!ov. <br />