2010 Metro Mitigation Plan

Evaluation of Existing Capabilities Identified Through the Matrix
Overall, the existing policies and procedures for implementation and accomplishing mitigation
are both strong and comprehensive. This analysis has highlighted some issues with the current
status of the Community Rating System (CRS) that are discussed below:
Metro fully participates in the National Flood Insurance Program, however there are
approximately 10,000 structures located within the 100-year floodplain, but only 3733
active flood insurance policies in force. Metro should continue to promote the purchase
of flood insurance to all who have the potential for future flood losses.
Currently Metro has a CRS rating of Class 8 which provides a 10% discount for all flood
insurance policy holders within Davidson County. Annually the policy holders receive a
cumulative savings of approximately $144,000 in insurance premiums.
Metro cannot improve its classification in the CRS without improving its scores in the
Building Code Effectiveness Grading Schedule (BCEGS). Currently Metro does not
have a suitable rating for residential plan review. The CPT recommends that Metro
research the benefits of implementing the required residential plan review in order to
improve the rating within the CRS.
Other Existing Mitigation Capabilities within Metro
Several significant mitigation programs are underway in Metropolitan Nashville-Davidson
County that further strengthen the existing level of community protection against hazards and
reduce future losses from disasters.
Metro’s cumulative Substantial Damage Ordinance is a notable effort to utilize the NFIP
to minimize future damages to existing structures.
Metro’s floodplain ordinance requiring construction at the Base Flood Elevation (BFE)
plus four feet is a notable effort to use the NFIP to minimize future damages to new and
substantially improved structures.
Community Emergency Response Team (CERT). Operated through the Mayor’s Office
of Emergency Management, CERT Training allows citizens to manage utilities, putout
small fires, search for and rescue victims safely, triage the victims, and organize
themselves and spontaneous volunteers to be effective in aiding victims.
American Red Cross provides shelter for flood victims, cooling and heating shelters for
victims during extreme temperatures, as well as public information brochures and
presentations on multiple natural hazards.
The Tennessee Valley Authority (TVA) and the Nashville Electric Service (NES)
Emergency Load Curtailment Plan is a pre-stated contingency plan for use in the event of
emergencies resulting from the shortage of power or other causes.
Metropolitan Nashville-Davidson County
Capability Assessment
Multi-Hazard Mitigation Plan Page 4-100
April 2010