<br />
<br />\\\ "'~ON-EX
<br />
<br />'- '\ / / \. \,
<br />\, '\ //// ", \
<br />'\\ \, C-, // // ''. \\
<br />,> ,\,'?G-: ,//>/ \
<br />//\- \,'!>- /' /' ".. '\
<br />"-, "~..L / ,/ \
<br />\. '- <> c
<br />\.- \ / ,/ \,
<br />\ --'\, // ,,/ \ \ ".
<br />\,,~\,/:/ / .. \'-, \ \
<br />
<br />
<br />/'~\~, Tech~i$IPta~ng AdviloryCounci~\
<br />'\,\~(~// 199;~-An@aI~eport \, C,,-
<br />
<br />\~>-.to - - - --->/;;>.-/ ------ , -----------
<br />1.0 Introduction\/;i/
<br />\'" __//~~:--":~~~/ i
<br />'<'::\" l.l:::Jtl(Natiori~lflaod Insurance Program (NflP) I
<br />'- -\ \ '. I
<br />'-., --', //- ,//. '\ \. I
<br />'\_ ~/// \,\ :i
<br />\\ /;i/ Congress passed the National Flood Insurance Act of 19.6ll/to deal with the escalating
<br />\,;:,t:6~ts to taxpayers of repairing d~a~e resulting from floodi!fg~the Act established the National
<br />/~>/ Flood Insurance Program (NFIEf:.n~,,< administered by the Federal Emergency Management
<br />/( Agency (FEMA), and requiT~ct:1hat fl~-prone areas be mapped and that flood insurance be
<br />/'(' made available in coml!)l(w'ties that meet)~derally established floodplain management
<br />, requirements, The .Fl~ Disaster Protecti~l1\Act of 1973 made mandatory the purchase of flood
<br />insurance for injiutab[e St.ructures within flo04:.prone areas as a condition for federal or federally
<br />related finan,cifig: Flood in~rance requiremerit~;~articularly as they pertain to the secondary
<br />mortgage ~ket, were strengthened further by tfu;'1'Iational Flood Insurance Reform Act
<br />(NFIRA) 6f.l994, which alsoei;~blished the Techrti.c~l Mapping Advisory Council ("the
<br />. . \ \ \ \ \,
<br />CounCIl"). \_.\, \ '\ \', -'"._. \,\
<br />\'- -, \. \. "\ \,
<br />'\-,'\ \\ '-,-- ';;, \.
<br />, " -- '-, ,/ \
<br />Floodpl~~maps are the core\i'Kthe NFIP, T~NFWhas undertaken massive efforts to
<br />identifY and map fl~Qd-hazard areas of'~l~ typesyi1'lclUding co)u;tal, riverine, lacustrine, and
<br />alluvial fan. The stah,~{'Il"d chosen for m~iPjt;was the one-pe'r~[lt annual chance flood, which
<br />has a one-percent charie~'(Jf being_t;.quatiX!-6f exceeded in any giv&1) year. It was adopted as the
<br />standard because it consttti.ires::areasol1able compromise between tlle,need for restricting
<br />development to minimize potential loss of life and property, and the'e.tQnomic benefits to be
<br />derived from floodplain development. \,
<br />
<br />~/<
<br />,,/ ,/"
<br />// "
<br />/,//
<br />/
<br />
<br />'. .,
<br />/\,\\\
<br />\ \
<br />
<br />,,,",,'
<br />//'//
<br />/ ,/
<br />//
<br />/ /
<br />/ "
<br />/ /
<br />/ /
<br />///"
<br />, /
<br />, /
<br />/
<br />,/
<br />
<br />----.-
<br />
<br />--.; ,'---'
<br />: I
<br />
<br />I!
<br />, '
<br />
<br />" ... ,,/' //
<br />\ " //' ,/"
<br />, '-----..----- "
<br />" /
<br />
<br />"
<br />\'.....
<br />". ,
<br />
<br />'-, -\
<br />
<br />J)
<br />~/
<br />/
<br />
<br />'.
<br />
<br />, .----
<br />---, ---- ----,---- -
<br />NFIP maps are used for flood insurance rating,meetingmaf14aiorttfo'Q(finsutance
<br />purchase requirements, and floodplaiJl~~i-Plalii1in&:an&zohiiig. Ih~~~hange for the
<br />Federal Governrn~nt'smalcing~-t~tfuic.e~~vaiTil.bje-, participating commurlftle,s must adopt
<br />_andenfmce:;:ai:a-llili'iiil:i'tim;1IreNFtP criteria for floodplain management, and musfuse these
<br />- -- -'--- - -------.- , -------.- '. \
<br />.' -:=ctileriil:(onriore-stringent criteria) in conjunction with the flood-hazard data depicteQ'Qn the
<br />community's NFIP maps to ensure that new and future development will not fall intothe.same
<br />"flood-and-rebuild" cycle as have many older structures that predate the NFIP. (See Appenfiix II
<br />for a detailed discussion of map production and maintenance processes and the evolution''df,
<br />NFl? mapping products) \
<br />
<br />\
<br />,
<br />\~\
<br />
<br />NFIP maps are updated through FEMA-funded studies and restudies and through
<br />community or property owner-initiated amendments and revisions. Studies involve detailed
<br />hydrologic and hydraulic analyses of communities that have approximate studies only, or are not
<br />believed to be flood-prone at all, or are newly identified as having flood risks, Restudies are
<br />ZONE X
<br />
<br />---, ,-
<br />, ,
<br />/,i
<br />
<br />-/ r--------
<br />
<br />___!'::_~STON
<br />
<br />TU.I}NPIKE
<br />
<br />, ,
<br />, ,
<br />
<br />:1'
<br />
<br />9~~Y!_~~:?:: ---
<br />
<br />"', \.
<br />
<br />ZONE
<br />~.,,\\. X
<br />, '
<br />"\\...
<br />"',-\
<br />r) \'
<br />\~- -\\"
<br />, \
<br />! )
<br />/
<br />/
<br />
<br />,
<br />.'
<br />
<br />" '.
<br />\'
<br />
|