The Department of Homeland Security’s Emergency Management Agency (FEMA) has completed a Preliminary Flood Insurance Rate Map (FIRM) and a Flood Insurance Study (FIS) for the City of Newfolden. Up until now, Newfolden did not have flood plain elevation data or floodplain maps. For this reason, Newfolden was not required to adopt a flood-plain ordinance; nor were residents in Newfolden required to carry flood insurance.
The next step in the process has begun. FEMA has published a notice of flood hazard determination and a public notification concerning the appeal process. The end result will be a final Federal Flood Insurance Rate Map, in which base flood elevations are determined and 100 and 500 flood hazard areas are identified. Once this is final, residents with structures in these flood plains, and who have a federally secured mortgage, will be required to obtain flood insurance. The process will follow these steps:
1. FEMA will provide two (2) public notifications of preliminary FIRMs between September 24—October 1.
2. A 90 day appeal period will begin after the second published notice. Residents are encouraged to file an appeal if you possess knowledge or information that the proposed flood hazard determinations are scientifically or technically incorrect. Please present the data that negates or contradicts the flood hazard findings to: City of Newfolden, PO Box 188, Newfolden MN 56738.
View the attached map or download a copy of Newfolden’s preliminary Flood Insurance Rate Map, go to:
3. All appeal submittals will be resolved by consultation with officials of the local government involved, by administrative hearing, or by submission of the conflicting data to an independent scientific body or appropriate Federal agency for advice. Revised Preliminary copies of the FIRM and FIS report will be sent if substantive changes are made as a result of the appeal process.
4. The City of Newfolden has submitted an appeal requesting further evaluation of the updated culverts constructed under the Railroad bridge several years ago. This improved drainage may not have been accurately represented by the Preliminary FIRM data.
5. Following the resolution of any appeals and comments, and after the 90 day appeal process, a Letter of Final Determination will be issued; this will finalize the flood hazard information as presented and will establish an effective date.
6. At this point, the City of Newfolden will have 6 months to establish a floodplain ordinance. This is required to qualify for participation in the National Flood Insurance Program (NFIP).
7. If you are a property owner in Newfolden, with a structure within the newly identified floodplain, and a federally secured mortgage, you will be required to obtain flood insurance. Please be proactive! A preferred risk policy will be available to you only prior to the finalization of the new FIRM. It may also be extended for one additional renewal cycle; after which, sequential multipliers may apply annually. Start a conversation with your insurance agent right away. You may access a database of insurance agents, trained and knowledgeable about floodplain requirements, by using the agent locator at: www.floodsmart.gov.
8. The City of Newfolden has negotiated a reduced rate for homeowners who are interested in determining the elevations of their structures and who are identified as being in the 100 year floodplain. This program will include benchmarks for preliminary survey work, a timeframe for landscaping or other initiatives taken by the property owner, and a Certificate of Elevation completed no later than October 30, 2016. At least 10 participants are required and must be signed up by May 30, 2016. Information regarding this program is detailed in the attachment below.