Harbors consider program that could lower flood rates
By Erin Hart, The Daily World, Aberdeen, Wash. | |
McClatchy-Tribune Information Services |
Flood insurance is required for many home and business owners in the county, particularly in coastal areas and areas zoned in the floodplain in
Though the recent reform eased much of the sticker shock in the law passed in 2012, called the Biggert-Waters Act, insurance costs are still likely to go up.
As flood insurance rates are rising, more communities on the Harbor are considering doing what is necessary to join "Community Rating Systems" so property owners can avail themselves of a discount on their premiums that can range from five to 40 percent.
At a recent meeting for city officials,
The rating system was implemented in 1990 as a voluntary program for recognizing and encouraging community floodplain management actions that exceed minimum flood insurance standards.
The city joined the system on
Non-floodplain residents in
Four communities nationwide, including
Both counties are listed as Class 2, the second-highest possible. The average premium discount is
Three other counties in the state,
Obtaining a community ratings system was previously deemed to be too expensive,
"So we have to do what we can to get rates down," Bowie, who is also the floodplain manager, said.
Aberdeen Public Works Engineer Lead Tech Mike Lentz said the city already has flood elevation certificates on file and meets several other of the criteria for qualification. Though the flood elevation certificates may need updating, he said, it's a start.
Flood elevation certificates cost from
Because communities have to follow state requirements, many communities are halfway or more than halfway to qualifying for the designation,
Requirements can include keeping track of flood elevation certificates on properties, outreach on flood management, such as annual storm drainage clearing reminders, creating floodplain open space, improved drainage, retrofitting buildings with flood protection, levee safety, building standards and drainage improvement, according to the
The challenge can be documentation, said a one-man building department, Ocean Shores Building Official Michael McGivney. "I will also be looking into the efforts that
The next
Other sessions are held throughout the year at the
To gain further knowledge and guidance, Ike suggested officials consult
He also encouraged the public get more information about the national flood insurance program and insurance by visiting www.floodsmart.gov or contact the NFIP helpline at 800-427-4661.
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