ELEVATION CERTIFICATE - CASE STUDY - A ELEVATION CERTIFICATE - CASE STUDY - A. Pre-FIRM vs. Post FIRM

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ELEVATION CERTIFICATE - CASE STUDY - A

Structure Location Built 1979

845

Objective: LOMA & Relief of Mandatory Flood Insurance

ELEVATION CERTIFICATE - CASE STUDY - A

Pre-FIRM vs. Post FIRM

Impacts Flood Insurance Rating / Premium!

Comment should be made regarding date of construction, Effective

Pre-FIRMbuilding – Built before initial NFIP Map date Post-FIRM building – Built after initial NFIP Map date

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ELEVATION CERTIFICATE - CASE STUDY - A

Updated EC will only

reference FIS to account for:



Floodway Data Tables;



Flood Profiles, and



Still Water Tables - Lakes.

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Note: Use the column listed as “Regulatory” for the BFE.

BASE FLOOD ELEVATION DETERMINATION

BFE: 790

Indiana Floodplain Information Portal (INFIP)

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ELEVATION CERTIFICATE - CASE STUDY - B

Objective: LOMA & Relief of Mandatory Flood Insurance Structure _Location Built 1989

ELEVATION CERTIFICATE - CASE STUDY - B

SANCTION LETTER ISSUED

TO COMMUNITY!

FLOODWAY VIOLATION

NON-CONFORMING STRUCTURE VIOLATION OF SFHA ORDINANCE ZERO RISE ENFORCEMENT NO RECORD - CONSTRUCTION IN A FLOODWAY PERMIT FILING; NO RECORD – BUILDING PERMIT FILING;

OWNER HAS LAWYERED UP

STAY TUNED FOR WHAT’S NEXT

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ELEVATION CERTIFICATE - CASE STUDY - B

STRUCTURE BUILT IN 1989 – WHAT MAP WAS EFFECTIVE AT TIME OF CONSTRUCTION!

ELEVATION CERTIFICATE - CASE STUDY - B

DETAILED STUDY AREA

FIS - BFE Data o Profile = 788.7 (NAVD88) o Floodway Data Table

X-section “C” = 788.7 (NAVD88)

o LAG from EC = 788.5 (NAVD88)

Floodway Boundary Map Published

Project Location:

ELEVATION CERTIFICATE - CASE STUDY - C

Objective: LOMA & Relief of Mandatory Flood Insurance Structure Location Built 2008

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ELEVATION CERTIFICATE - CASE STUDY - C

JUNE 15, 1984

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ELEVATION CERTIFICATE - CASE STUDY - C

Topographical Survey Results show floodwater cannot reach structure during 1% annual chance flood event; BFE - 816.4. Remember this was an un-numbered Zone A Flood Risk Area mapped with low accuracy.

ELEVATION CERTIFICATE - CASE STUDY - C

INFIP – BEST AVAILABLE DATA LAYER

ELEVATION CERTIFICATE - CASE STUDY - C

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Excerpt from the FEMA MT-1 procedures:

Can the intervening high ground consideration be used in cases involving loading docks and window / stair wells? The LAG must be taken at the bottom of the loading dock, window well or stairwell. However, we “may” use the intervening high ground consideration only if the request is based on natural ground, no fill, and the requestor has provided adequate topography to demonstrate that there is sufficient high ground preventing flood waters from reaching the lowest point of the structure (window well, stairwell, or loading dock). The LAG should be included in the determination and the intervening high ground additional consideration paragraph should be used.

ELEVATION CERTIFICATE - CASE STUDY - C

ELEVATION CERTIFICATE - CASE STUDY # D

Objective: Compliance & Relief of Mandatory Flood Insurance Structure Location Built 2018

FEMA Elevation Certificate

Distance from crawlspace floor to top of next higher floor < 5’high; AND Crawlspace floor < 2’ below grade on all sides Non-Compliant , below grade crawlspace:

Distance from crawlspace floor to top of next higher floor > 5’ high; OR Crawlspace floor > 2’ below grade on all sides

BASEMENT

Diagram #2 (#4 if Split-Level)

Diagram #9 = Below grade crawlspace: INDIANA – Floodplain Ordinance Requires Floor of Crawlspace to be at or above LAG.

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FEMA Elevation Certificate

Distance from crawlspace floor to top of next higher floor < 5’high; AND

Crawlspace floor at or above grade on all sides

Diagram #8 = Compliant crawlspace (Indiana): INDIANA – Floodplain Ordinance Requires Floor of Crawlspace to be at or above LAG.

Basement Windows

ARE NOT

Flood Openings!

AND BELOW BFE!

BFE

NET AREA OF FLOOD OPENINGS

ONLY AREA BELOW BFE COUNTS

Presuming Vent is “rated” for 191 sq. in. Only 2/3’s (127 sq. in.) can be counted

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GREAT TOOL!

Used By

Surveyors Construction Officials Floodplain Managers Insurance Agents Underwriters

Had been used to help identify the net free area of Non-Engineered Openings found in the field and aided in the completion of sections A8 & A9 of the Elevation Certificate

FLOOD OPENING OPTIONS

ICC-ES Certified Engineered Openings Non-Engineered Openings “INDIVIDUALLY” Certified Engineered Openings

UNACCEPTABLE MEASURES:

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Not Acceptable – Vent Not Disabled In Open Position

Typical standard air vent faceplate

Net open area = 42 Sq. Inches

Closure device disabled in the open position

NOT 128 Sq. Inches

QUESTIONS TO DETERMINE IF A

FLOOD OPENING IS COMPLIANT

• Does it allow for automatic entry of floodwaters? • Does it allow for automatic exit of floodwaters? (Needs to work regardless of the direction of flow)

• Will it work without human intervention? • Is it within 12” of grade

• Is it below the Base Flood Elevation (BFE)

• If it has obstructions during a flood its NOT an engineered opening

• The performance of such vent shall account for the presence of louvers, blades, screens, grilles, faceplates and other covers and devices

• Designed, Tested and ICC-ES Certified

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Engineered Openings

Documentation Required – attach certificate

Must attach a copy of the Individual Engineered Flood Openings Certification or an Evaluation Report issued by the International Code Council Evaluation Service (ICC ES).

• All products certified through the ICC-ES will be clearly identified in the field with a label with the model number and certified coverage. • Liability for performance rests on the manufacturer’s shoulders • Each vent is tested

• Vents have regular quality control inspections

SAMPLE: ICC-ES REPORT

Evaluation Report issued by:

International Code Council Evaluation Service (ICC ES).

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ELEVATION CERTIFICATE - CASE STUDY # D

Used for A8(c) A9(c) New A8(e) A9(e)

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ELEVATION CERTIFICATE - CASE STUDY # D

1) Non-Compliant Structure (sub-grade crawl space) 2) ICC Funds to Elevate Structure may need returned; 3) Elevate Crawlspace Floor to grade with fill; 4) Lower vents to grade to maximize net opening area; 5) Attach ICC-ES Report

6) Confirm Engineered Opening certified area of coverage 7) Confirm Required number of vents in foundation 8) Resubmit to Insurance Agent

Construction allowed to continue with sub-grade crawlspace? Occupancy Permit issued by Local Building Official

Non-conforming Structure

Regulatory Compliance

Flood Insurance

Bill Bryant/Anne Arundel Co, MD

Let’s Do The Math

• Footprint ± 30’x40’ = 1200 sf

• 1200/42 sq. inches=

(29) total vents

FLOOD OPENING OPTIONS

6 of these ICC-ES Certified Engineered Openings 6*200 sq. in. = 1200 sq. in.

O

R

29 of these Non-Engineered Openings “if” they are disabled in open position

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ELEVATION CERTIFICATE - CASE STUDY # E

Objective: Compliance, LOMA & Relief of Mandatory Flood Insurance Structure Location Built 2019

ELEVATION CERTIFICATE - CASE STUDY # E

New Crawlspace Foundation

ELEVATION

CERTIFICATE

CASE

STUDY # E

Homeowner brings in fill with the

ambition of raising the LAG Elevation above BFE to qualify for LOMR-F

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ELEVATION CERTIFICATE - CASE STUDY # E

Landowner completes final grading

ELEVATION CERTIFICATE - CASE STUDY # E

Backfilling against Structure in this manner has serious consequences:

Backfilling against Structure caused:  Crawl Space Floor to be “sub-grade”  Building Diagram #8 to be changed to #9;

 Structure to be non-conforming; violates SFHA Ordinance;  Water to collect in crawl space area;

 Engineered Opening Flood Vents to be ineffective;  Flood Insurance Premium to increase