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Home My WebLink Aboutflood zone info 1 t ��eA��i4 j� ��T ° Federal Emergency Management Agency RECEIVED ��,�4� Washington, D.C. 20472 �EP G 7 201Z �qND StiL CITy pF pRONO August 30,2012 MR. DOUG SCHMITT CASE NO.: 12-OS-8981A 1475 SHORELINE DR1VE COMMUN[TY: CITY OF ORONO, HENNEPIN WAYZATA, MN 55391 COUNTY, MINNESOTA COMMUNITY NO.: 270178 DEAR MR. SCHMITT: This is in reference to a request that the Federal Emergency Management Agency (FEMA) determine i£ the p:op�er�y desci•�beu' in th� encl�sed ��ct,tr�,�t is lccated �.}�ith:r, un id�nti�:ed Spe�ia] F;:�•od 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, Engineering Library, 847 South Pickett Street, Alexandria, VA 22304-4605. Sincerely, t -, . ��-�;=� -:�� .> 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 P�ge 1 of 2 Date: August 30,2012 Case No.: 12-05-8981A LOMA y��A��r � � Federal Emergency Management Agency ��+No sd�°a Washington,D.C.20472 LETTER OF MAP AMENDMENT DETERMINATION DOCUMENT REMOVAL COMMUNITY AND MAP PANEL INFORMATION LEGAL PROPERTY DESCRIPTtON CITY OF ORONO,HENNEPIN A portion of Govemment Lot 2, Section 11,Township 117 North, COUNTY,MINNESOTA Range 23 West of the 5th principal meridian, as described in the Warranty Deed Individual(s)to Joint Tenants, recorded as Document COMMUNITY No. 6321604, in the Office of the Recorder, Hennepin County, Minnesota COMMUNI7Y NO.:270178 AFFECTED NUMBER:27053C0308E MAP PANEL DATE:9/ZI2004 FLOODING SOURCE:BROWNS BAY;LAKE APPROXIMATE LATITUDE&LONGITUDE OF PROPERTY:44.858, -93.559 MINNETONKA SOURCE OF LAT 8 LONG:ARCGIS 10 DATUM:NAD 83 DETERMINATION OUTCOME 1%ANNUAL LOWEST LOWEST WHATIS CHANCE ADJACENT LOT LOT BLOCK/ SUBDIVISION STREET REMOVED FROM FLOOD FLOOD GRADE ELEVATION SECTION THE SFHA ZONE ELEVATION ELEVATION (NGVD 29) NGVD 29 NGVD 29 2 — — 1475 Shoreline Drive Structure X — 932.5 feet — (unshaded) 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 any qiven 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 STUDY UNDERWAY REISSUANCE This document provides the Federal Emergency Management Agency's determination regarding a request for a Letter of Map Amendment for the property descxibed 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 ar+ea 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 detertnination 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, Engineering Library, 847 South Pidcett Street, Alexandria,VA 22304-4605. � --7 =�-,a-• _ . �- �,�_ —--7 �_ .----� Luis Rodriguez,P.E.,Chief Engineering Management Branch Federal Insurance and Mitigation Administration P�ge 2 of� Date: August 30,2012 Case No.: 12-05-8981A LOMA y��4A��R� � � Federal Emergency Management Agency x o��GND S6GJ� Washington,D.C.20472 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. STUDY UNDERWAY(This Additional Consideration applies to all properties in the LOMA DETERMINATION DOCUMENT(REMOVAL)) This determination is based on the flood data presently available. However, the Federal Emergency Management Agency is currently revising the National Flood Insurance Program (NFIP) map for the community. New flood data could be generated that may affect this property. When the new NFIP map is issued it will supersede this determination. The Federal requirement for the purchase of flood insurance will then be based on the newly revised NFIP map. REISSUANCE (This Additional Consideration applies to all properties in the LOMA DETERMINATION DOCUMENT(REMOVAL)) The 10/17/1978, National Flood Insurance Program(NFIP) map has since been superseded by a new NFIP map dated 9/2/2004, for this community. Therefore, this document issues a new determination for the subject property based on the new 9/2/2004, NFIP map. 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,Engineering Library,847 South Pickett Street,Alexandria,VA 22304-4605. __ r— "�--��-� -- —� Luis Rodriguez,P.E.,Chief Engineering Management Branch Federal Insurance and Mitigation Administration pi�Y�1�' � °° Federal Emergency Management Agency x °$.�, �. Washington, D.C. 204�2 �ND S� 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 Policy(PRP)and the Standard Flood Insurance Policy(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 1 day after the effective date of the revised map. LOMAENGI 0�4A/"\�•I. � � j� � �� Federal Emergency Management Agency x � �- ��e�� Washington, D.C. 20472 _ �1'9ND StiGJ �� ' -.. `1� 2 � 2l)t/4 . At1G S 1 2004 The Honorable Barbara Peterson IN REPLY REFER TO: Mayor,City of Orono Case No.: 04-OS-4027AV .... �' '�;;,�{_�;::;-;; ,, 2750 Kelley Parkway Community: City of Orono, � " Orono,Minnesota 55325 Hennepin County,Minnesota 4 Community No.: 270178 Effective Date: September 3,2004 Revised FIRM Nos.: 27053C: 0144,016�, 0284, 023�,0292, 0301-0304, 0306-0303,0311, 0312, and 0316 REVALIDATION Dear Mayor Peterson: When a new National Flood Insurance Program(NFIP) map panel becomes effective,it automatically supersedes previously issued Letter of Map Change(LOMC)actions(i.e., Letters of Map Revision-based on Fill [LOMR-FsJ and Letters of Map Amendment[LOMAs])that have been issued on that map panel,even if they are still valid and should apply to the new NFIP map as well. Because a revised NFIP map has been prepared for your community,it is necessary for the Federal Emergency Management Agency(FEMA)to take administrative action to prevent valid LOMR-Fs and LOMAs from being superseded. Accordingly,the purpose of this letter is to revalidate the deternunations for properties and/or structtues in your community as described in the LOMR-Fs and LOMAs previously issued by FEMA on the dates listed below. As of the above-referenced effective date,these LOMR-Fs and LOMAs will revise the effective NFIP map for the referenced community, dated September 2,2004, and will remain in effect until superseded by a revision to the NFIP map panel on which the property is located. The FEMA case numbers, when available,project identifiers,and Flood Insurance Rate Map(FIRM) numbers of the revalidated LOMR-Fs and LOMAs are listed in the attachment to this letter. Because these revalidated LOMR-Fs and LOMAs will not be printed or distributed to primary map users,such as local it►surance agents and mortgage lenders, your communiry will serve as a repository for these new data. We encourage you to disseminate the information reflected by this letter throughout your community so that interested persons,such as properiy owners,local insurance agents, and mortgage lenders,may benefit from the information. If you feel a LOMC has been omitted from the list that should have been included, we encourage you to submit the LOMC for re-determination. When requesting a re-deternunation,we ask that a cover letter be sent along with a copy of the original deternvnation letter to: FEMA, LOMA Depot,P.O.Box 2210,Merrifield,Virginia 22116. If you have any questions regarding this matter,please contact the FEMA Regional Office in Chicago,Illinois,at (312)403-5548. Copies of previously issued LOMR-Fs and LOMAs, if needed,can be obtained by contacting our Mapping Coordination Connactor,De�vberry, in Fairfax, Virginia,either by telephone at(703) 876-0148,or by facsimile at(703)876-0073. Sincerely, Dou�Bellomo,P.E.,Acting Chief Ha2ard Idenrification Secrion,Mitigation Division, Emergency Preparedness and Response Directorate Attachment REVALIDATED LETTERS OF MAP CHANGE Community: City of Orono, Hennepin County,Minnesota Community No.: 270178 Effective Date: September 3, 2004 LOMC Case No. Effective Date Proiect Identifier Ne�v Panel LOMA 00-OS-3242A July 25, 2000 Lot 4,Block 3, Walters Port 0311E Subdivision- 2709`Valters Port Lane LOMA 99-OS-2252A February 19, 1999 Lot 2,Block 2, Bayside Beach 0304E 3444 Eust Lake Str�et LOMA 97-OS-1350A January 2�, 1997 1475 Shoreline Drive 0303E LOMA 96-OS-3312A October 23, 1996 Lot 3,Block 1,Bayside Beach 0304E 3424 East Lake Street LOIvIR-F 95-OS-2672A November 21, 1995 Lot l,Block i, Outlot A, 0301E and 0303E Burgers Bayside 2"d Addition V�tyGY Mqn,9 w� ••s+--�-y CF7i � �� Federal Emergency Management Agency w r� �, , � .� a�,o � ��," Washington, D.C. 20472 ��C��V�� y� �� / JAN 2 2 �9? ��QN 2� �99� IN REPLY REFER TO: ��N,Q Mr. Douglas R. Schmitt Case No.: 97-OS-1380A t;��`� �F O 1475 Shoreline Drive Community: City of Orono, Hennepin County, Minnesota Wayzata, Minnesota 55391 Community No.: 270178 Map Panel Affected: 0010 C Map Effective Date: October 17, 1978 Dear Mr. Schmitt: We reviewed your request dated December 18, 1996, for a Letter of Map Amendment. All required informatien for this request was received on January 3, 1997. Using the information submitted and the effective National Flood Insurance Program (NFIP) map, we determined that a portion of the property described below is located in a Special Flood Hazard Area (SFHA), 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); however, the structure on the property is not in the SFHA. Property Description: A parcel of land as described and recorded in Warranty Deed, Document No. 6321604, filed by the Recorder of Hennepin County, Minnesota. Street Address: 1475 Shoreline Drive Flooding Source: Browns Bay/Lake Minnetonka This letter amends the above-referenced NFIP map to remove the structure from the SFHA. The structure is now located in Zone C, an area above the 0.2-percent-annual-chance flood level. Flood insurance coverage for the structure may be available under a low-cost policy (see enclosed document). Because portions of the property remain in the SFHA, any future construction or substantial improvement on the property remains subject to Federal, State, and local regulations for floodplain management. The enclosed document provides additional information about Letters of Map Amendment. If you have any questions about this letter, please contact Ms. Helen Cohn of our staff in Washington, DC, either by telephone at (202) 646-3457 or by facsimile at (202) 646-4596. Sincerely, � ��, ` Frederick H. Sharrocks Jr., Chief Hazard Identification Branch Mitigation Directorate Enclosure cc: State Coordinator Community Map Repository 218-70-RS ADDITIONAL INFORMATION REGARDING LETTERS OF MAP AMENDMENT In making determinations on requests for Letters of Map Amendment (LOMAs), the 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 that the property is not subject to inundation by the fiood hav�ng a :-percent char_ce 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 that 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 the lender decides to release the 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 the written waiver of the flood insurance requirement from the lender to the property insurance agent or company that is 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 losses in the NFIP occur to 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. That risk is just not as great as the flood risk to structures located in SFHAs. To offer flood insurance protection to owners of such structures, the NFIP offers two types of flood insurance policies: the Standard Policv and the Preferred Risk Policy (PRP). The PRP is available at low cost for buildings located outside the SFHA with little or no loss history. Information about the PRP and how one can apply is enclosed. The Standard Policy is available for all other buildings. The Standard Policy is available for all other structures. Individual flood risk situations and insurance needs should be discussed with an insurance agent or company before making a final decision regarding flood insurance coverage. 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 NFIP 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/Commonwealth, 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/Commonwealth, 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 or revise maps must be attached to the community's official record copy of the NFIP map. That map is available for public inspection at the community's of�cial 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 that are revalidated in this way become effective 1 day after the effective date of the revised map panels. C ITY of ORONO TELECOPY COVER LETTER Please deliver the following page (s) to: Name: �� '?�� '1'�._ F r om: / � � l �L`� ��l�b/l,� Total number of pages _ J including this cover letter . - — Date: � "?j � "�� IF YOII DO NOT RECEIVE ALL THE PAGES, PLEASE CALL IIS AS SOON AS POSSIBLE. 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' '•-' ':� . ..:. . . -� � . ..� � �.��....,. � CITY of ORONO TELECOPY COVER LETTER Please deliver the following page (s) to: Name: � _� .� � . �-,"_ �� - .: �� G -� � � From: "- ' Total number of pages __`'__ ` including this cover letter . � ,. Date: / ! = / _ `��:� IF YOII DO NOT RECEIVE ALL THE PAGES, PLEASE CALL IIS AS SOON AS POSSIBLE. � Phone: (612) 473-7358 and ask for : `�. >�- Our telecopy number is: (612) 473-0510 Additional Message: , ,� , , � G� p/U �', �i��-f-�'r/ � ��. / �� ; �. ,;�, � , ; k. ��>>, r� ��-�� -- =j,�� C� w � - 9� 9� `� � -��.� � � �3� � ��► ��, G, ,�, �, m,� ,��Q..� ��-�-�' �e-�'��- � ' ' �-�J � �� - _ �'/ 3�, .S � ��. �-�"� � �-t,L� - ,�� -��-e_�' �� ``.�a� � �� a �o�.a.l�A �-C�t"h-�-��-