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U.S. Department of Homeland Security Clifford Graviet
JUN 1 9 2009 I want to congratulate your community on its application to the National Flood Insurance Program (NFIP) Community Rating System (CRS). The Department of Homeland Security, Federal Emergency Management Agency (FEMA), has verified the voluntary actions undertaken by your community exceed the minimum standards of the NFIP and meet the criteria for a CRS Class 8 rating. The floodplain management activities implemented by your community qualifies it for a ten percent discount in the premium cost of flood insurance for NFIP policies issued or renewed in Special Flood Hazard Areas on or after May 1, 2009. This savings is a tangible result of the flood mitigation activities your community implements to protect lives and reduce property damage. Please note Preferred Risk Policies, applicable in Zones B, C, and X, are not eligible for the CRS discount. Standard rated flood insurance policies in Zones B, C, X, D, AR, and-A99 are limited to a CRS discount often percent in Class 1-6 communities and five percent in Class 7-9 communities. The rates for these zones already reflect significant premium reductions. The CRS discount is applied before the addition of the Federal Policy Fee. If there are no NFIP noncompliance actions, the CRS rating for your community will automatically be renewed annually and a notification letter will not be sent to your community. This renewal will occur as long as your community continues to implement the CRS activities you certify each October. If no additional modifications or new CRS activities are added, the next verification visit for your community will be in accordance with its established five-year cycle or three-year cycle for CRS Class 5 or better communities. In the interim, FEMA will periodically send the "NFIP/CRS Update " newsletter and other notices to your CRS Coordinator to keep your community informed. I commend you on your community actions and your determination to lead your community to be more disaster resistant. This commitment enhances public safety and property protection and protects the natural functions of floodplains as well as reduces flood insurance premiums. If you have any questions or need additional information, please contact FEMA Region III, CRS Coordinator, David Odegard, by telephone at (215) 931-5506. Sincerely,
Deborah S. Ingram
www.fema.gov NFIP/CRS Town of Bethany Beach, DE
Verified Class 8 This Verification Report is provided to explain the recommendations of Insurance Services Office, Inc. (ISO) to DHS/FEMA concerning credits under the Community Rating System (CRS) for the above named community. A total of 1282 credit points are verified which results in a recommendation that the community improve from a Class 10 to a CRS Class 8. The following is a summary of our findings with the total credit points for each activity noted in parenthesis:Activity 310 - Elevation Certificates: The Building Department maintains elevation certificates for new and substantially improved buildings. Copies of elevation certificates are made available upon request. (56 points)Activity 320 - Map Information Service: Credit is provided for furnishing inquirers with flood zone information from the community's latest Flood Insurance Rate Map (FIRM), publicizing the service annuaily and maintaining records. (140 points)Activity 330 - Outreach Projects: A community newsletter is mailed to all properties in the community on an annual basis. The community also provides flood information through handouts available at Town Hall and by annual mailings to the repetitive loss area property owners. (20 points)Activity 340 - Hazard Disclosure: Credit is provided for the state of Delaware's "Seller's Disclosure Law" that requires local real estate agents and sellers to disclose flood hazards to prospective buyers. Real estate agents provide a brochure advising prospective buyers about insurance and checking property flood hazards. (20 points)Activity 350 - Flood Protection Information: Documents relating to floodplain management are available in the Bethany Beach Library. (16 points)Activity 420 - Open Space Preservation: Credit is provided for preserving at least 5 acres in the Special Flood Hazard Area (SFHA) as open space. (46 points)Town of Bethany Beach, DE Page 2NFIP#: 105083 Activity 430 - Higher Regulatory Standards: Credit is provided for enforcing regulations that require cumulative substantial improvement, for prohibiting development seaward of the building line, for the adoption of international codes and for enforcement of state mandated regulatory standards. Credit is also provided for a Building Code Effectiveness Grading Schedule (BCEGS) Classification of 5/5. (288 points)Activity 440 - Flood Data Maintenance: Credit is provided for establishing and maintaining a system of benchmarks. (45 points)Activity 450 - Stormwater Management: The community and county enforce regulations for stormwater management, freeboard in non-SFHA zones, soil and erosion control, and water quality. (282 points)Activity 510 - Floodplain Management Planning: Based on the updates made to the NFIP Report of Repetitive Losses as of November 30, 2007, Bethany Beach has 33 repetitive loss properties and is a Category C community for CRS purposes. All requirements for the 2008 application have been met. Credit is provided for the adoption and implementation of the Floodplain Management Plan. Since Bethany Beach?js a Category C community with an approved Floodplain Management Plan, a progress report must be submitted on an annual basis. (64 points)Activity 540 - Drainage System Maintenance: All of the community's drainage system is inspected regularly throughout the year and maintenance is performed as needed by the Public Works Department and their designees. Records are being maintained for both inspections and required maintenance. The community also enforces a regulation prohibiting dumping in the drainage system. (265 points)Activity 610 - Flood Warning Program: Credit is provided for a program that provides timely identification of impending flood threats. (40 points)Attached is the Community Calculations Worksheet that lists the verified credit points for the Community Rating System. CEO Name / Address: CRS Coordinator Name / Address: Clifford Graviet
Ralph Mitchell Date Report Prepared: June 19, 2008
Community : Town of Bethany Beach, DE NFIP Number: 105083720 COMMUNITY CREDIT CALCULATIONS (New Application):CALCULATION SECTION:
CEO Name/Address: Clifford Graviet CRS Coordinator Name/Address: Ralph Mitchell 302-539-1000 Date Report Prepared: June 19. 2008
AW-720 |
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