Category Archives: Flood Zones

Sea Level Rise Could Add Up to Gridlock, and Sooner Than You Think – WCAI

Dire outlook, we have made some changes to zoning to allow homes to be elevated, but have we done enough? What else can we do short of retreat?

Sea Level Rise Could Add Up to Gridlock, and Sooner Than You Think

 

Remember to take our Planning Survey, it guides our Open Space, Hazard Mitigation and Comprehensive Planning:  Survey Here

 

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Proposed Changes to Coastal Barrier Resources System in DE, MA, NH, and NJ

Received today, changes in West Dennis around West Dennis Beach; Chase Garden Creek/Chapin Beach; “Nobscussett Harbor”; and Quivett Creek.

Dear Stakeholder,

The U.S. Fish and Wildlife Service (Service) published a notice in the
Federal Register on March 12, 2018 (83 FR 10739), to announce
the availability of draft revised boundaries for 148 Coastal Barrier Resources System (CBRS) units (112 existing units and 36 proposed new units) located in Delaware, Massachusetts, New Hampshire, and New Jersey for public review and comment. The proposed
boundaries are accessible via the CBRS Projects Mapper at
https://www.fws.gov/cbra/maps/Mapper.html. Additional information related to the proposed changes and instructions for providing comments and participating in virtual public meetings are available at

https://www.fws.gov/cbra/maps/Hurricane-Sandy-Project-Batch-1.html.

The proposed boundaries were produced through a multi-year effort funded by the Department of the Interior to comprehensively modernize the maps of the CBRS for nine states most affected by Hurricane Sandy. A public review for the remaining
five states is planned for late 2018. The modernization effort will correct mapping errors affecting property owners; add new qualifying areas to the CBRS; and provide more accurate and accessible CBRS data and maps.

We invite you to review the draft boundaries and provide input to the Service during the 120-day public comment period that will close on July 10, 2018. You may submit written comments by one of the following methods:

  • By hard copy: Submit by mail or hand–delivery to: Public Comments Processing, Attn: Docket No. FWS-HQ-ES-2018-0004; Division of Policy, Performance, and Management Programs; U.S. Fish and Wildlife Service; 5275 Leesburg Pike,
    MS: BPHC; Falls Church, VA 22041-3808.

Following the close of the public comment period, the Service will make any appropriate changes and then prepare final recommended maps for Congressional consideration. The final recommended maps will become effective only if they are adopted
by Congress through legislation.

If you have any questions concerning this effort, please contact us at
CBRA@fws.gov.

Thanks,

Terri Fish

Program Specialist

Ecological Services

U.S. Fish & Wildlife Service

5275 Leesburg Pike

Falls Church, Virginia 22041

From the Marshfield Coastal Coalition

NEXT STEP: RECOVERY

As predicted, the March 2018 Nor’easter has caused extensive damage to many of our communities. From undermined homes, damaged seawalls, and flooded neighborhoods, our coastal areas have suffered damage unseen in many years.

The most important step is a strong recovery. The MCC has some recommendations for you to recover. Read this BEFORE you start cleanup:

Read this BEFORE you start cleanup:

Take photos of what was lost BEFORE you clean up.

-Contact your insurance agent right away- You have 60 days to file your proof of loss

-If your building is substantially damaged, contact your community for assistance.

-Decks are not covered under a flood policy.

-If you have a home that was flooded, secure it! More storms are coming, and some items may be excluded if you allow water to continue to damage the building.

-Disaster assistance is only available if we get a Presidential disaster declaration.

-Remember: A loss within 10 days of each other are considered the same loss.

The MCC has developed two great tools for you:

-Our post disaster resource guide: CLICK HERE

CLICK HERE

-Our ins and outs to filing a flood insurance claim: CLICK HERE

CLICK HERE

-There is a suspension of some requirements for cleanup under DEP (check with your community first). The guidance form DEP is here:CLICK HERE

CLICK HERE

In the coming months, the MCC will be doing a series of state wide outreaches to assist with this issue.

Flood Insurance Program Update

Received from the Marshfield Citizens Coastal Coalition

MESSAGE ON POSSIBLE NFIP EXPIRATION

At the end of the day on Friday, December 8th, the National Flood Insurance Program (NFIP) expires.  The extension of the program is built into the Congressional Continuing Resolution, which has yet to be passed.  If the Continuing Resolution is not passed by Friday night, December 8th, the NFIP will expire.  This means no new policies can be written, existing policies cannot be renewed on their renewal, no claims can be filed and it may become difficult to close on a home during this time.  FEMA has also indicated they may not do a “look back” once the program becomes effective again, meaning forced place lender insurance may be required to cover the gap.

We suggest several actions for you at this point:

  • If you are closing in the next few weeks, and flood insurance is part of your closing, pay your flood insurance policy now (before the end of the day Friday) before the closing, with the effective date of the policy still being on the closing.

  • If you are coming up for a renewal in the next few weeks, pay your premium now.

  • If you do close on a home during this time without getting a flood policy ahead of time, you will be forced to get either private flood insurance or lender-placed insurance.

We will keep you up to date on what is happening, but should a Continuing Resolution pass on or before Friday, we expect this issue to continue for the next month or so as multiple, short-term Continuing Resolutions are considered.

For questions on your specific lender requirements, please check with your lender and insurance agent.

I am going to admit, I do not know what the mean by “lender-placed” insurance as the lenders place insurance with national companies that deal in NFIP sponsored insurance. I can only guess that this would mean the lenders will line up private insurers.  An insurance industry posting I found out of Florida suggested that there will be no lending activities in the flood zone come 12:01 am on Saturday if there is no continuing resolution. This could be quite a hit for real estate activity, in November, the Registrar reported that the volume of sales was down 0.8% over last year. Median Sale Value was also down 1.4% over last year.

Basic Bottom Line, as noted above:

  • If you are buying in the flood zone, buy your insurance before the end of the day tomorrow (Friday)

  • If your policy needs to be renewed in the next few weeks, renew before the end of the day tomorrow (Friday)

Need flood insurance? Process could grow difficult

The latest I can find. The House passed a flood insurance plan that will drastically increase rates and could affect real estate value. The Senate has a more consumer friendly bill, but has not taken action yet. It looks like we may be facing short-term continuing resolutions while the dust settles.

http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=359762