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<br />Repetitive ofo~~ -A~~e~~menl <br /> <br />The state and federal governments are fully committed to implementing <br />mitigation actions to reduce or eliminate the impacts of hazards experienced <br />by this disaster. A major goal of the mitigation program is to identify and <br />resolve the problem of repetitive disaster damage. The level of future disaster costs <br />will be dependent upon the successful implementation of mitigation measures that <br />reduce repetitive loses, <br /> <br />State and Federal Mitigation Teams are reviewing the repetitive losses associated with <br />this and previous flood disaster declarations. This review involves analysis of previous <br />flood events. the hazards associated with these events (fIDoding. erosion. mudslide. <br />etc.) and comparative evaluations of repetitive disaster assistance payments to <br />individuals and communities. Included are repetitive loss payments to individuals <br />under the Disaster Housing Program, IFG. the SBA Residential and Commercial Loan <br />Programs, the NFIP and repetitive loss payments to communities for damaged public <br />facilities under the Infrastructure Program. For the Infrastructure Program. the types <br />of repetitive losses included bridge and road washout. road shoulder erosion. culvert <br />damage. and channel erosion due to design issues and lack of maintenance, <br /> <br />Most of the 38 counties declared in the Winter Storms of 1995 were also included in <br />one or more of the most recent California flood disasters. Figures F and G illustrate <br />the counties involved in past flood disaster declarations (1986-1995). <br /> <br />The NFIP maintains information about repetitive loss properties. The NFIP defines a <br />repetitive loss community as one or more repetitive loss properties. A repetitive loss <br />property is one in which two or more insured losses of at least $1,000 each have <br />been paid by the NFIP since 1978. Information about the extent and geographic <br />distribution of past NFIP repetitive loss claim payments in California is provided in <br />Figure H. <br /> <br />One year prior to the Winter Storms of 1995. there were 18.140 total NFIP claims <br />paid in the State of California for $118 million. This included 3.816 repetitive loss <br />payments on 1.361 properties for $47 million. These repetitive loss payments <br />account for 40% of all NFIP claims paid in the State of California, Federal. state and <br />local mitigation efforts directed toward these specific properties would result in <br />significant reductions in NFIP claims and future disaster costs. 2 <br /> <br />2 <br /> <br />It should be noted thet the NFIP stetistics understate the magnitude of the problam. NFIP figures <br />do not include the estimated 75% of buildings identified in special flood hazard areas thet do not <br />have flood insurance. <br /> <br />, <br /> <br />JJ-J miIiF-l?.,-I <br />5J...., 1995 <br />