Carroll County, NH Flood Maps are Changing… What You Should Know By showing the extent to which more detailed, reliable and areas of Carroll County are at current data on county flood risk for flooding, flood maps help hazards. The result: a better New Floodplain Maps business and property owners picture of the areas most likely Coming to Carroll County. make better financial decisions to be impacted by flooding and about protecting their property. a better foundation from which A multi-year project to re-examine These maps also allow to make key decisions. flood zones and develop detailed, community planners, local digital flood hazard maps is officials, engineers, builders and The flood map modernization currently underway. The new others to make important project is a joint effort between maps reflect current flood risks determinations about where and the communities in Carroll and areas of recent growth, how new structures and County and the Federal replacing maps that are up to developments should be built. Emergency Management Agency 30 years old. As a result, (FEMA), in cooperation with property owners throughout To ensure that everyone within private sector partners. Carroll County will have up-to - Carroll County has access to the date, reliable, Internet-accessible most accurate and up-to-date information about their flood information about flood hazards, THE MAP ADOPTION PROCESS risk. And owners of several the preliminary maps are FOR CARROLL COUNTY properties will learn that their risk currently available for public ROCESS is higher, or lower, than they April 20, 2011 — Preliminary maps view at town halls, the NH Office thought. released of Energy & Planning, and July 16, 2011 – Public information on GRANIT’s web sites at: It is important that property meetings held by FEMA in Conway www.granit.unh.edu/dfirms/ and Moultonborough owners in Carroll County review Carroll.html and the preliminary maps as soon as February 2 to May 1, 2012 — http://granitview.unh.edu/ . 90-day Public Comment Period (for possible to determine if their risk filing of appeals and comments) has changed, especially those A Better Picture of Flood September 19, 2012 — FEMA who have property along the Hazards notifies communities of final map waterbodies listed in the table on date Over time, water flow and the next page. March 19, 2013* — Maps become drainage patterns have changed effective dramatically due to surface Flood Maps: A Risk For More Information: eros ion, land use and natural Management Must Jennifer Gilbert forces. The likelihood of inland, Flood hazard maps, also known Floodplain Management Coordinator riverine and coastal flooding in as Flood Insurance Rate Maps NH Office of Energy & Planning certain areas has changed along (603) 271-2155 (FIRMs), are important tools in the with these factors. New digital [email protected] effort to protect lives and mapping techniques provide www.nh.gov/oep/programs/floodplain properties in Carroll County. management/modernization.htm *Future dates subject to change September 2012 PHOTO: David Saville/FEMA News Photo Flood Mapping Changes in Carroll County 1 FLOODPLAIN AREAS REVISED BASED ON NEW ENGINEERING ANALYSES 2 Moultonborough • Bay Tributary 1 • Red Hill River Tributary 1 • Bay Tributary 1.1 • Red Hill River Tributary 1 Diversion • Berry Pond/Berry Pond Tributary 1 • Shannon Brook • Berry Pond Diversion • Shannon Brook Tributary 1 • Halfway Brook • Weed Brook • Halfway Brook Tributary 1 • Weed Brook Diversion • Red Hill River • Weed Brook Tributary 1 Sandwich • Berry Pond/Berry Pond Tributary 1 • Red Hill River • Weed Brook NEW FLOODPLAIN AREAS BASED ON REDELINEATION 3 AND/OR DATA FROM ANOTHER STUDY 4 Albany • Pequawket Pond 3,4 Jackson • East Branch Saco River 4 • Wildcat Brook 4 Bartlett • East Branch Saco River 4 Moultonborough • Lake Winnipesaukee 4 • Rocky Branch 4 • Moultonborough Bay 3,4 • Squam Lake 3,4 Effingham • Ossipee Lake 3,4 Sandwich • Bearcamp River 4 (Zone A - • Province Lake 3,4 No base flood elevations) • Squam Lake 3,4 Hart’s Location • Portion of Saco River 4 NEW FLOODPLAIN AREAS BASED ON APPROXIMATE METHODS (ZONE A – NO BASE FLOOD ELEVATIONS) Alton • Whitton Pond Wakefield • Pine River Pond Conway • Conway Lake Wolfeboro • Upper Beech Pond • Weeks Brook • Beech River • Portion of White Lot Brook Effingham • Pine River • Red Brook ALL OTHER FLOODPLAIN AREAS NOT MENTIONED ABOVE 5 1All Floodplain Areas – New maps reference the North American Vertical Datum of 1988 (NAVD88). The datum conversion for Carroll County between the previous maps that reference the National Geodetic Vertical Datum of 1929 is -0.4 feet. A base flood elevation may appear to be changed but is in fact the same just referenced to the new datum. 2New Engineering Analyses – Use of new topography from Light Detection and Ranging (LiDAR), field surveys of structures, and new engineering analyses. Base flood elevations will likely differ from current maps. Floodplain limits may shift to coincide with the more accurate topographic data. 3Redelineation – Use of new topography from Light Detection and Ranging (LiDAR). No new engineering. Base flood elevations remain the same. Floodplain limits may shift to coincide with the more accurate topographic data. 4Data from Another Study – Use of data from engineering analyses for an adjoining state/community with the same waterbody. Base flood elevations will likely either be new or differ from current maps. 5All Other Floodplain Areas – Data from previous map are carried over to the new maps with little or no change. No new engineering or topography used. No changes to base flood elevations and little or no changes to floodway and floodplain limits. Flood Risks and Flood Zones Flood maps refer to areas of high, medium or low risk as “flood hazard zones” and the zones of highest risk as “Special Flood Hazard Areas.” RISK LEVEL FLOOD HAZARD ZONE High Flood Risk AE, A, AH or AO Zone. These properties have a 1 percent chance of flooding in any year — and a 26 percent chance of flooding over the life of a 30-year mortgage. VE or V Zone. These properties have a 1 percent chance of flooding in any year and also face hazards associated with coastal storm waves. Insurance note: High-risk areas are called Special Flood Hazard Areas, and flood insurance is mandatory for most mortgage holders.* Low or Moderate Shaded X Zone. These properties are outside the high-risk zones. The risk is reduced Flood Risk but not removed. X Zone. These properties are in an area of overall lower risk. Insurance note: Lower-cost preferred rate flood insurance policies (known as Preferred Risk Policies) are often an option in these areas. Flood Insurance Requirements and Options When the new maps become effective, flood insurance requirements will change. However, options exist that will allow property owners to save money while still protecting their property. IF MAPS SHOW… THESE REQUIREMENTS, OPTIONS AND SAVINGS APPLY Change from low or Flood insurance is mandatory. Flood insurance will be federally required for most moderate flood risk mortgage holders.* Insurance costs may rise to reflect the true (high) risk. to high risk Preferred Risk Policy Eligibility Extension** . A cost-saving temporary insurance option for property owners newly mapped into a high-risk flood zone. An insurance agent can provide more details. Grandfathering offers savings**. The National Flood Insurance Program (NFIP) has “grandfathering” rules to recognize policyholders who have built in compliance with the flood map or who maintain continuous coverage. An insurance agent can provide more details on how to save. Change from high Flood insurance is optional, but recommended. The risk has only been reduced, flood risk to low or not removed . Flood insurance can still be obtained, at lower rates. Twenty-25 percent moderate risk of all flood insurance claims come from low- to moderate-risk areas. Conversion offers savings. An existing policy can be converted to a lower-cost Preferred Risk Policy. No change in risk No change in insurance rates. Property owners should talk to their insurance agent to level learn their specific risk and take steps to protect their property and assets. * Required for loans provided by federally regulated lenders as well as Government Sponsored Enterprises such as Freddie Mac and Fannie Mae. **On July 6th 2012, President Obama signed into effect the Biggert-Waters Flood Insurance Reform Act of 2012. This legislation extended the National Flood Insurance Program (NFIP) for 5 more years and will have an impact on and possibly change the options shown under “if map shows … change from low or moderate flood risk to high risk”. FEMA officials are in the process of clarifying Congressional intent for each section of the Flood Insurance Reform Act as well as determining implementation dates. Insurance companies and agents will be notified when more details can be shared with all NFIP stakeholders. FOR MORE INFORMATION Visit www.FloodSmart.gov for more information about how to protect against flooding and the steps loc al residents may need to take to ensure that they have proper insurance coverage to protect their investment. .