Houston National Flood Insurance Program Overview
The City of Houston's participation in the National Flood Insurance Program includes enrollment since 1979, adherence to FEMA floodplain maps, and setting local construction standards. The Community Rating System (CRS) is utilized to enhance flood loss reduction, improve insurance rating accuracy, and raise flood insurance awareness. The CRS rewards Houston with a Class 5 rating, offering substantial premium savings to policyholders. Public information programs and outreach efforts are implemented to maintain the CRS rating and provide floodplain information to the community.
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Presentation Transcript
City of Houston National Flood Insurance Program Program for Public Information Transportation, Technology & Infrastructure Committee September 19, 2016 1
National Flood Insurance Program COH enrolled in 1979 Current Effective FEMA Floodplain Maps 2007/2014/2016 Chapter 19 Code of Ordinances (Floodplain Ordinance) Fulfills FEMA enrollment requirements Sets local standards for construction and floods Includes Protections above FEMA minimum requirements Factor in the CRS rating for Houston 2
Program for Public Information Plan for public outreach: Floodplain information and issues Incorporates existing and new outreach activities Performed by PWE staff Uses existing resources Changes no Regulatory Requirements Required to Maintain City s CRS Rating **CRS Rating = Insurance Premium Discounts 2016 PPI will fulfill CRS requirements for 5 years 3
Community Rating System (CRS) Voluntary incentive program Recognizes/encourages local standards above FEMA minimum requirements 3 goals of the CRS: Reduce flood losses Facilitate accurate insurance rating Promote the awareness of flood insurance. Insurance premium rates discounted to reflect the enhanced Houston standards 4
Community Rating System (CRS) History 1979 COH enters Regular NFIP program 2001 - COH enters the CRS program at Class 8 (Class 1 is best, Class 10 is base level) 2008 - COH improves its rating to Class 6 2009 - COH improves its rating to Class 5 Houston is largest City in U.S. with Class 5 rating Houston is the largest City in the U.S. participating in CRS 5
Benefits of CRS 25% Premium Savings - Flood insurance policy holders (100 year Floodplain) 25% Premium Savings - Flood insurance policy holders (Floodway) 10% Premium Savings - Flood insurance policy holders (500 year floodplain) Discounted Rate not available to Preferred Risk policy holders (non-floodplain areas) COH Class 5 rating saves COH policy holders approx. $12.8 M/year on flood insurance premiums 6
Local Needs/Topics Identified in PPI Know your flood risk Insure your property Build responsibly Protect natural floodplain functions Flood safety awareness 7
Target Audiences Identified in PPI Community at Large Special Flood Hazard Areas Repetitive Loss Properties High Need Areas Areas of CIP drainage projects Areas of low flood insurance policy count City Employees 8
Potential Outreach Projects Identified in PPI Potential outreach projects to disseminate floodplain/insurance information: Attend community events such as PWE Water Week and Bayou Trash Bashes Offer floodplain information presentations at HOA/Community groups Mail out floodplain information letters to target audiences Post floodplain awareness messages on social media outlets 9
Actions TTI Committee review/comment of PPI Motion for Council consideration in support of PPI Submit PPI with other Documentation to complete CRS Submittal 10
Questions? 11
