HomeMy WebLinkAboutFEMA LOMA - PLN General - 11/26/2013 T �
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Federal Emergency Management Agency RECEIVED
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November 26,2013 426 W. CEDAR ST.
MR. DANIEL F.HOLMAN CASE NO.: 14-10-0241A
HOLMAN AND ASSOCIATES COMMUNITY: MASON COUNTY,WASHINGTON
P.O.BOX 2379 (UNINCORPORATED AREAS)
SHELTON,WA 98584 COMMUNITY NO.: 530115
DEAR MR.HOLMAN:
This is in reference to a request that the Federal Emergency Management Agency (FEMA) determine
if the property described in the enclosed document is located within an identified Special Flood
Hazard Area, the area that would be inundated by the flood having a 1-percent chance of being equaled
or exceeded in any given year (base flood), on the effective National Flood Insurance Program (NFIP)
map. Using the information submitted and the effective NFIP map, our determination is shown on the
attached Letter of Map Amendment (LOMA) Determination Document. This determination document
provides additional information regarding the effective NFIP map, the legal description of the
property and our determination.
Additional documents are enclosed which provide information regarding the subject property and
LOMAs. Please see the List of Enclosures below to determine which documents are enclosed. Other
attachments specific to this request may be included as referenced in the Determination/Comment
document. If you have any questions about this letter or any of the enclosures, please contact the
FEMA Map Assistance Center toll free at (877) 336-2627(877-FEMA MAP) or by letter addressed
to the Federal Emergency Management Agency, LOMC Clearinghouse, 847 South Pickett Street,
Alexandria,VA 22304-4605.
Sincerely,
Luis Rodriguez,P.E.,Chief
Engineering Management Branch
Federal Insurance and Mitigation Administration
LIST OF ENCLOSURES:
LOMA DETERMINATION DOCUMENT(REMOVAL)
cc: State/Commonwealth NFIP Coordinator
Community Map Repository
Region
Page 1 bf 2 Date: November 26, 2013 Case No.: 14-10-0241A LOMA
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LETTER OF MAP AMENDMENT
DETERMINATION DOCUMENT REMOVAL
COMMUNITY AND MAP PANEL INFORMATION LEGAL PROPERTY DESCRIPTION
MASON COUNTY,WASHINGTON Lot 190, Lake Limerick No. 4, as described in the Statutory Warranty
(Unincorporated Areas) Deed, recorded as Document No. 1865147, in the Office of the
COMMUNITY Auditor, Mason County, Washington
Parcel ID: 321275300190
COMMUNITY NO.:530115
AFFECTED NUMBER:5301150200C
MAP PANEL
DATE:5/17/1988
FLOODING SOURCE:CRANBERRY CREEK APPROXIMATE LATITUDE&LONGITUDE OF PROPERTY:47.277, -123.045
SOURCE OF LAT&LONG:ARCGIS 10.1 DATUM:NAD 83
DETERMINATION
OUTCOME 1%ANNUAL LOWEST LOWEST
BLOCK/ WHAT IS CHANCE ADJACENT LOT
LOT SUBDIVISION STREET REMOVED FROM FLOOD FLOOD GRADE ELEVATION
SECTION THE SFHA ZONE ELEVATION ELEVATION (NGVD 29)
(NGVD 29) (NGVD 29)
190 Lake Limerick 160 East Olde Lyme Structure C -- 210.7 feet
No. 4 Road (Residence)
Special Flood Hazard Area (SFHA) - The SFHA is an area that would be inundated by the flood having a 1-percent chance of being
equaled or exceeded in anv given year(base flood).
ADDITIONAL CONSIDERATIONS(Please refer to the appropriate section on Attachment 1 for the additional considerations listed below.)
PORTIONS REMAIN IN THE SFHA
ZONE A
This document provides the Federal Emergency Management Agency's determination regarding a request for a Letter of Map Amendment for
the property described above. Using the information submitted and the effective National Flood Insurance Program (NFIP) map, we have
determined that the structure(s) on the property(ies) is/are not located in the SFHA, an area inundated by the flood having a 1-percent chance of
being equaled or exceeded in any given year (base flood). This document amends the effective NFIP map to remove the subject property from
the SFHA located on the effective NFIP map; therefore, the Federal mandatory flood insurance requirement does not apply. However, the
lender has the option to continue the flood insurance requirement to protect its financial risk on the loan. A Preferred Risk Policy (PRP) is
available for buildings located outside the SFHA. Information about the PRP and how one can apply is enclosed.
This determination is based on the flood data presently available. The enclosed documents provide additional information regarding this
determination. If you have any questions about this document, please contact the FEMA Map Assistance Center toll free at (877) 336-2627
(877-FEMA MAP) or by letter addressed to the Federal Emergency Management Agency, LOMC Clearinghouse, 847 South Pickett Street,
Alexandria,VA 22304-4605.
Luis Rodriguez,P.E.,Chief
Engineering Management Branch
Federal Insurance and Mitigation Administration
Page!of 2 Date: November 26,2013 Case No.: 14-10-0241A LOMA
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LETTER OF MAP AMENDMENT
DETERMINATION DOCUMENT (REMOVAL)
ATTACHMENT 1 (ADDITIONAL CONSIDERATIONS)
PORTIONS OF THE PROPERTY REMAIN IN THE SFHA (This Additional Consideration applies to the
preceding 1 Property.)
Portions of this property, but not the subject of the Determination/Comment document, may remain in the Special
Flood Hazard Area. Therefore, any future construction or substantial improvement on the property remains
subject to Federal, State/Commonwealth, and local regulations for floodplain management.
ZONE A (This Additional Consideration applies to the preceding 1 Property.)
The National Flood Insurance Program map affecting this property depicts a Special Flood Hazard Area that was
determined using the best flood hazard data available to FEMA, but without performing a detailed engineering
analysis. The flood elevation used to make this determination is based on approximate methods and has not
been formalized through the standard process for establishing base flood elevations published in the Flood
Insurance Study. This flood elevation is subject to change.
I
This attachment provides additional information regarding this request. If you have any questions about this attachment, please contact the
FEMA Map Assistance Center toll free at (877) 336-2627(877-FEMA MAP) or by letter addressed to the Federal Emergency Management
Agency,LOMC Clearinghouse,847 South Pickett Street,Alexandria,VA 22304-4605.
Luis Rodriguez,P.E.,Chief
Engineering Management Branch
Federal Insurance and Mitigation Administration
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Federal Emergency Management Agency
Washington, D.C. 20472
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ADDITIONAL INFORMATION REGARDING
LETTERS OF MAP AMENDMENT
When making determinations on requests for Letters of Map Amendment (LOMAs), the Department of
Homeland Security's Federal Emergency Management Agency (FEMA) bases its determination on the
flood hazard information available at the time of the determination. Requesters should be aware that
flood conditions may change or new information may be generated that would supersede FEMA's
determination. In such cases,the community will be informed by letter.
Requesters also should be aware that removal of a property (parcel of land or structure) from the Special
Flood Hazard Area(SFHA) means FEMA has determined the property is not subject to inundation by the
flood having a 1-percent chance of being equaled or exceeded in any given year (base flood). This does
not mean the property is not subject to other flood hazards. The property could be inundated by a flood
with a magnitude greater than the base flood or by localized flooding not shown on the effective National
Flood Insurance Program (NFIP)map.
The effect of a LOMA is it removes the Federal requirement for the lender to require flood insurance
coverage for the property described. The LOMA is not a waiver of the condition that the property owner
maintain flood insurance coverage for the property. Only the lender can waive the flood insurance
purchase requirement because the lender imposed the requirement. The property owner must request and
receive a written waiver from the lender before canceling the policy.The lender may determine,on its own
as a business decision, that it wishes to continue the flood insurance requirement to protect its financial
risk on the loan.
The LOMA provides FEMA's comment on the mandatory flood insurance requirements of the NFIP as
they apply to a particular property. A LOMA is not a building permit, nor should it be construed as such.
Any development, new construction, or substantial improvement of a property impacted by a LOMA must
comply with all applicable State and local criteria and other Federal criteria.
If a lender releases a property owner from the flood insurance requirement, and the property owner decides
to cancel the policy and seek a refund,the NFIP will refund the premium paid for the current policy year,
provided that no claim is pending or has been paid on the policy during the current policy year. The
property owner must provide a written waiver of the insurance requirement from the lender to the property
insurance agent or company servicing his or her policy. The agent or company will then process the
refund request.
Even though structures are not located in an SFHA, as mentioned above, they could be flooded by a
flooding event with a greater magnitude than the base flood. In fact, more than 25 percent of all claims
paid by the NFIP are for policies for structures located outside the SFHA in Zones B, C, X (shaded), or X
(unshaded). More than one-fourth of all policies purchased under the NFIP protect structures located in
these zones. The risk to structures located outside SFHAs is just not as great as the risk to structures
located in SFHAs. Finally, approximately 90 percent of all federally declared disasters are caused by
flooding, and homeowners insurance does not provide financial protection from this flooding. Therefore,
FEMA encourages the widest possible coverage under the NFIP.
LOMAENC-1
The NFIP offers two types of flood insurance policies to property owners: the low-cost Preferred Risk
PolicyPRP and the Standard Flood Insurance Policy(PRP) y(SFIP). The PRP is available for 1-to 4-family
residential structures located outside the SFHA with little or no loss history. The PRP is available for
townhouse/rowhouse-type structures, but is not available for other types of condominium units. The SFIP
is available for all other structures. Additional information on the PRP and how a property owner can
quality for this type of policy may be obtained by calling the Flood Insurance Information Hotline,toll free,
at 1-800427-4661. Before making a final decision about flood insurance coverage,FEMA strongly
encourages property owners to discuss their individual flood risk situations and insurance needs with an
insurance agent or company.
FEMA has established "Grandfather" rules to benefit flood insurance policyholders who have maintained
continuous coverage. Property owners may wish to note also that, if they live outside but on the fringe of
the SFHA shown on an effective NFIP map and the map is revised to expand the SFHA to include their
structure(s), their flood insurance policy rates will not increase as long as the coverage for the affected
structure(s) has been continuous. Property owners would continue to receive the lower insurance policy
rates.
LOMAs are based on minimum criteria established by the NFIP. State, county, and community officials,
based on knowledge of local conditions and in the interest of safety, may set higher standards for
construction in the SFHA. If a State, county, or community has adopted more restrictive and
comprehensive floodplain management criteria, these criteria take precedence over the minimum Federal
criteria.
In accordance with regulations adopted by the community when it made application to join the NFIP,
letters issued to amend an NFIP map must be attached to the community's official record copy of the map.
That map is available for public inspection at the community's official map repository. Therefore, FEMA
sends copies of all such letters to the affected community's official map repository.
When a restudy is undertaken,or when a sufficient number of revisions or amendments occur on particular
map panels, FEMA initiates the printing and distribution process for the affected panels. FEMA notifies
community officials in writing when affected map panels are being physically revised and distributed. In
such cases, FEMA attempts to reflect the results of the LOMA on the new map panel. If the results of
particular LOMAs cannot be reflected on the new map panel because of scale limitations, FEMA notifies
the community in writing and revalidates the LOMAs in that letter. LOMAs revalidated in this way
usually will become effective I day after the effective date of the revised map.
LOMAENC-1