The URL can be used to link to this page

Home My WebLink AboutFEMA - Flood Zone Page 1 of 2 Date: April 17,2014 Case No.: 14-05-5201A LOMA �O�"Y�1F T °� Federal Emergency Management Agency x°.�� Washington,D.C.20472 qND SE LETTER OF MAP AMENDMENT DETERMINATION DOCUMENT REMOVAL COMMUNITY AND MAP PANEL INFORMATION LEGAL PROPERTY DESCRIPTION CITY OF ORONO,HENNEPIN Tract A, Registered Land Survey No.441, as described in the COUNTY,MINNESOTA Certificate of Title, recorded as Certificate No. 1348029, in the Office of the Registrar of Titles, Hennepin County, Minnesota COMMUNITY COMMUNITY NO.:270178 NUMBER:27053C0308E AFFECTED MAP PANEL DATE:9/212004 FLOODING SOURCE:BROWN'S BAY;LAKE APPROXIMATE LATITUDE 8 LONGITUDE OF PROPERTY:44.966, -93.551 MINNETONKA SOURCE OF LAT 8 LONG:ARCGIS 10.1 DATUM:NAD 83 DETERMINATION OUTCOME 1%ANNUAL LOWEST LOWEST WHAT IS 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 A — — 1105 Femdale Road Structure X 930.9 feet 931.9 feet — West (Residence) (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 anv 4iven year(base flood). ADDITIONAL CONSIDERATIONS Please refer to the a ro riate section on AttachmeM 1 for the additional considerations listed below. PORTIONS REMAIN IN THE SFHA STUDY UNDERWAY This document provides the Federal Emergency Management Agency's determination regarding a request for a Letter of Map AmendmeM for the properly described above. Using the infortnation submitted and the effective National Flood Insurance Program (NFIP) map, we have detertnined that the structure(s) on the property(ies) is/are not located in the SFHA, an area inundated by the flood having a 1-percer�t 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 coMinue the flood insurance requirement to protect its finanaal 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 determinatlon is based on the flood data presently available. The enGosed 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 (87� 336-2627 (877-FEMA MAP) or by letter addressed to the Federal Emergency Management Agency, LOMC Clearinghouse, 847 South Pickett SVeet, Alexandria,VA 22304-4605. ,�_.__._.... .�_�..._�.� �,�=_ :r>::�.::�M�� ` � _�,. - _�..____ r..�:_._....._..__�.�..> Luis Rodriguez,P.E.,Chief Engineering Management Branch Federal Insurance and Mitigation AdminisVation Page 2 of 2 Date: April 77,2014 Case No.: 14-05-5201A LOMA ��q�_��T °� Federal Emergency Management Agency x°3�.! c�� Washington,D.C.20472 qND S� 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. This attachment provides additional information regarding this request. If you have any questions about this attachment, please contact the FEMA Map Assistance CeMer toll free at (877) 336-2627(877-FEMA MAP) or by letter addressed to the Federal Emergency Managemerrt Agency,LOMC Clearinghouse,847 South Pickett SUeet,Alexandria,VA 22304-4605. __...._. ...._�._.._. ,_.,,�,�'�=r.��`.�R,�, "'__..__ - . .� �� <_........__.._.._.....� Luis Rodriguez,P.E.,Chief Engineering Management Branch Federal Insurance and Mitigation Administration ot��r,yE J °� Federal Emergency Management Agency �'y�, J♦� WH;�hington, D.C. 1U+1?`L l,�Np S�G ADDITIONAL INFORMATION REGARDING LETTERS OF MAP AMENDMENT When making determinations on requests for Letters of Map Amendment (LOMAs)� the Deps�tment of Homeland Security's Federal Emergency Management Agency (FEMA) bases its deteRnination on the tlood hazard infonnation available at the time of the determination. Requesters should be awan that tlood conditions may change or new information may be generated that would supersede FEMA's �ietermination. 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 Specia) Flood Hazard Ares(SFHA) means FEMA has detetmined the property is not subject to inundation by the tlood having a 1-percent chance of being equaled or exceeded in any given year (base tlood). This does not mean the property is not subject to other flood haiards. The property could be inundated by a flood with a magnitude gnater than the base flood o� by localized flooding not shown on the effective National Flood Insurance Program(NFIP)map. The effect of a LOMA is it removes the Federal rcquirement for the lender to requirc flood insurance coverage for the property described. The LOMA is not a waiver of the condition rhat the property owner maintain flood insurance coverage for the property. Unly the lender can waive the flood insurance purchase requirement because the lender imposed the requircment. The property vwner mwt req�st and receive v 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 tlood insurance requirement to proteet its financial risk on the loan. The LOMA provides FEMA's comment on the mandatory flood insurance rcquirements 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 impmvement of a property impacted by a LOMA must comply with all applicable State and local c�iteria and other Fedecal criteris. (f a lender releases a property owner from the flood insurance rcquiremen�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 currcnt policy year. The � property owner must provide a written waiver of the insurance requirement frorn the lender to the property insurance agent or company servicing his or her policy. The agent or company will then process the refund requesL Even though structures are not located in an SFHA, as mentioned above, they could be flaoded by a flooding event with a greater magnitude than the base flood. In fact, more than 25 perceM 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). Morc than one-fourth of all policies purchased under the NFiP protect structur+es located in these zones. The risk to structiues located outside SFHAs is just not as great as the risk to structures located in SFHAs. Finally, approximately 90 peccent of all federally declared disasters are caused by flooding,and homeowners insurance dces not provide financial pmtection from this tlooding. Therefore, FEMA encourages the widest possible coverage under the NFIP. LOMAENC-1 , • "The NFIP offers two types of tlood insurance policies to property owners: the low-cost Preferted Risk Policy(PRP)and the Standard Flood Insurance Policy(SFIP). The PRP is availsble for I-to 4family residential structurcs located outside the SfHA with little or no lou history. 'The PRP is uvailable fo� tuwnhouse/�owhouse-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 Insu�ce Information Hotline.toll free, at 1-800427-4661. Beforc 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 et�ective 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 cove�age for the affected structure(s) has been continuous. Property owners would continue to receive the lower insurance policy rates. LOMAs arc based on minimum criteria established by the NFIP. State, county, and community officials, based on knowledge of Iceal conditions and in the intenst of safety, may set higher standards for construction in the SFHA. (f a State, county, or community has adopted mora restrictive and comprehensive floodplain management criteria, these criteria take prr.cedence over the minimum Federal criteria. [n accordance with regulations adopted by the community when it made apptication to join the NFIP, letters issued to amend an NFIP map must be attached to the community's official rccord copy of the map. That map is available for public inspcction at the community's official map rcpository. 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 o�cials in writing when at�ected map panels are being physicalty revised and distributed (n such cases, FEMA attempts to reflect the resuits of the LOMA on the new map panel. tf the results of particular LOMAs cannot be reflected on the new map panel because of scale limitatiot�s, FEMA notifies the community in writing and revalidates the LOMAs in that letter. LOMAs rcvalidated in this way usually will become effective 1 day after the effective date of the revised map. - LOMAENC-1 o�eA/"\�'�, ��M Federal Emergency Management Agency ��, ✓ �4` Washington, D.C. 20472 '�`�ND 5��' April 17,2014 MR.CHARLES TRUWIT CASE NO.: 14-OS-5201A 1105 FERNDALE ROAD WEST COMMLJNITY: CITY OF ORONO,HENNEPIN ORONO,MN 55391 COUNTY,MINNESOTA COMMUNITY NO.: 270178 DEAR MR. TRUWIT: 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