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Outline Welcome and Introductions Risk Communication and Flood RiskAwareness Roles & Responsibilities NFIP – Insurance and CRS Risk MAP Program & Meetings Outreach Resources & Opportunities What You Can Do to be Prepared2


Welcome and IntroductionsCalifornia Coastal Analysis and Mapping Project (CCAMP)Open Pacific Coast (OPC) Study <strong>FEMA</strong> <strong>Region</strong> IX• Ed Curtis, PE, CFM – Study Manager• Gregor Blackburn – Floodplain Management & Insurance,Branch Chief Production and Technical Services (PTS) contractor• Vince Geronimo – OPC Study Manager3


Risk Communications …is an exchange of information among individuals,groups, and institutions that results in makingdecisions and taking actions that help to manageand/or control risks---- The National Research Council …is a communication process that is designed tochange peoples’ behavior in a “risk” situation -- NOAA Coastal Services Center4


Flood Risk Awareness Surveys:2010 and 2011 Nationwide, Research-based <strong>FEMA</strong> surveyed local officialsand the public in 2010 to:• Provide a baseline of flood riskawareness• Inform national outreach andcommunity engagement activities <strong>FEMA</strong> conducted the second annual survey in 2011 to trackprogress toward its awareness goals:• Public awareness and understanding of risk management• Local official awareness of flood risk within Risk MAP project areas <strong>FEMA</strong> will continue to track progress with annual surveys5


Survey Says… The following tools would make it easier for local officials toshare flood risk information with the public: Information to add to community websites Publications for building owners on reducing risk Customizable letters or brochures Media materials such as draft press releases6


Cross-Survey Takeaways Local officials understand that:• Their communities are at risk for flooding, while the public does not• Federally-backed flood insurance is available, while the public does not The public:• Expects to hear about flood risk from localCommunity Officials• Prefers to hear about flood risk through localmedia, mailings and meetings, while localCommunity Officials prefer to use websitesand newspaper ads7


Increasing Value Through Ownership –Roles & ResponsibilitiesFlood RiskAwarenessFlood RiskUnderstandingOwnership ofFlood RiskMitigationActionIncreasedReturns8


Flooding – California Style9


Only 12% of people think their homeis at risk for flooding10


Only 41% of people think their communityis at risk from flooding11


Federally Declared Disasters inCalifornia: 1950 - 2005EarthquakesFloods12%50% Fires15%12Other23%


Only 24% of people have talked to theirinsurance agent about flood insurance


Statistics show that only about 50% ofstructures in Special Flood Hazard Areascarry flood insurance14


More than half of all families have no disasterplan according to a 2011 survey by the NationalCenter For Disaster Preparedness


How Much Flood Insurance isAvailable?Residential Building Contents250,000 100,000Non-Residential BuildingContents500,000 500,00016


How Much Does Flood InsuranceCost? Coverage Amount Flood Zone Building Design Building Age Location Elevation “Cost Shopping”17


Preferred Risk Policy – Save Money Low-cost coverage for property owners and tenantslocated in NFIP participating communities Preferred Risk Policy Eligibility Extension Eligibility requirements apply18


California At A Glance* Statistics as of: May 31, 2012Total Policies261,631Total Written Premium$207,907,276Average Premium$795CATotal Flood Losses44,573Average Claim Pymt$11,144Total Participating Communities521• W2RHUDX2 NFIP Bureau & Statistical Agent• http://bsa.nfipstat.com19


Community Rating SystemClassSFHADiscountNon-SFHADiscount10 0% 0%9 5% 5%8 10% 5%7 15% 5%6 20% 10%5 25% 10%4 30% 10%3 35% 10%2 40% 10%1 45% 10%20


Risk Mapping, Assessment, and Planning(Risk MAP)Risk MAP Vision:To deliver quality data that increases public awareness and leads to actionthat reduces risk to life and propertyRisk MAP Goals:<strong>FEMA</strong> will collaborate with federal, state,and local stakeholders to achieve thefollowing goals under Risk MAP:• Address gaps in flood hazard data• Ensure public awareness through outreach• Lead and support hazard mitigation planning• Provide an enhanced digital platform• Align risk analysis programs21


New <strong>FEMA</strong> Meetings Guidance &Appendix INew Meetings GuidanceAppendix I: Discovery22


Risk MAP Meetings23


Data Development & SharingPhase: Flood Risk Review MeetingTechnical/engineering focusedGives officials the opportunity to reviewthe draft Risk MAP study and products(if part of scope)Allows the project team to highlight floodrisk associated with changesMay be important for projects thatinclude significant changes in theidentified hazard24


Risk Awareness & Mitigation OutreachPhase: Resilience MeetingContinue to build local capacity for implementing priority mitigation activitiesPromote understanding of flood riskPromote strategies to reduce flood riskReview available resources to facilitate implementationReview communication roles and responsibilitiesMain objective: improve the community’s resilience to flood risk25


Preliminary FIRM Meeting and FloodMap Open HouseDuring the due process, after the Preliminary FIRM has been distributedThe Preliminary FIRM Meeting is for the local officialsThe Open House is intended for the publicA primary goal of Risk MAP is to promote community ownership of risk and in turn, riskreduction and mitigation** Community officials are responsible for relaying the message of flood risk and changesto the Special Flood Hazard Area to impacted property owners26


Flood Open House and How to Getthe Word Out!Flood Open House Purpose: <strong>FEMA</strong> & mappingcontractor present preliminaryFIRM and FIS to the public anddiscuss new Special Flood HazardAreas Information stations forparticipants, as follows:• Flood mapping & property look-up• Engineering/mapping – technical• Flood insurance• Mitigation• Grants• MediaGet the Word Out! Public Service Announcements Direct mailings HOAs and Vacation Rentalorganizations for rentalproperties Newspaper ads Notify lenders, insurance agents,realtors, land developers, media27


Increasing Value Through Ownership –Roles & ResponsibilitiesFlood RiskAwarenessFlood RiskUnderstandingOwnership ofFlood RiskMitigationActionIncreasedReturns28


Rule Number One Positive behavior change comes from ensuring that youraudience:• Hears consistent information from multiple sources andmultiple channels• Feels that preparedness or mitigation is their own idea• Knows what is being asked and how to respond From this they will:• Feel that their actions will make a difference and becomemore likely to take actions to reduce their risk-- Dennis Miletti and Citizen Corps Research29


<strong>Region</strong> IX Outreach Strategy Risk MAP Meetings Communication Tools and Tactics Actions Messaging Roles & Responsibilities30


Risk MAP Tools, Templates andProductsTools & Resources –• Risk MAP Talking Points by Audience TypeInformation Sheet• <strong>FEMA</strong> website - library• www.r9coastal.orgMapping, LOMC guidance docs, floodinsurance, floodplain management• 1-877-<strong>FEMA</strong>-MAP• Project Status Fact SheetsTemplates –• Community Outreach Plan Template• Press release• Open House MaterialsNon-regulatory Products –• Changes Since Last FIRM• Areas of Mitigation Interest• Flood Risk Report, Map & Database31


Message Maps forQuestions/ConcernsAudience/Stakeholder: ________________________________Spokesperson: ______________________________________Question or ConcernKeyMessage 1KeyMessage 2KeyMessage 3•Supporting Information 1-1•Supporting Information 1-2•Supporting Information 1-3•Supporting Information 2-1•Supporting Information 2-2•Supporting Information 2-3•Supporting Information 3-1•Supporting Information 3-2•Supporting Information 3-332


Residential Coastal ConstructionCourseEMI Course E386:http://www.fema.gov/residential-coastalconstruction#1Independent Study:http://training.fema.gov/EMIWeb/IS/is386.asp33


www.r9coastal.org34


Educate & Encourage FloodInsuranceContact Your Local Insurance Agentwww.floodsmart.gov35


FloodSmart for Communitieshttp://www.floodsmart.gov36


The NFIP Future HR 4348 Biggert-Waters FloodInsurance Reform Act• Signed by the President July 6,2012• Goal to make the NFIP moreresilient, sustainable to include acomprehensive approach to floodrisk management• Phase out of subsidized premiumrates for non-primary residences• Under evaluation by <strong>FEMA</strong> team37


NFIP October 1, 2012 ManualChanges Average premium increases of 5% A Zones• Post-firm A1-A30 and AE Zones: 2%• Pre-firm AE Zones: 9%• A0, AH, A0B, AHB Zones: 1%• Unnumbered A Zones w/ no BFEs: 2%• A99 and AR Zones: 5% V Zones X Zones: Post-firm V Zones: 8% Pre-firm V Zones: 10%• Standard Policy: 5%• Preferred Risk Policy (PRP): 3% Mortgage Portfolio Protection Program (MPPP): 10%38


What You Can Do Now Sign up for Coastal Beat Explore tools on NOAA’s Digital Coast:http://www.csc.noaa.gov/digitalcoast/tools Create a Coastal County Snapshot fromNOAA’s Digital Coast Download and begin to tailor theCommunity Outreach Plan Template:http://www.r9map.org/Pages/Outreach.aspx Purchase flood insurance:www.floodsmart.gov39


What You Can Do Immediately Review your Hazard Mitigation Plan!•When was it updated last?•Does it have coastal provisions?•What is the schedule for future updates?•Join the HMP update team40


CCAMP/OPC Study - Points of ContactRole Name E-mail<strong>FEMA</strong> Study Manager Ed Curtis Edward.Curtis@fema.dhs.gov<strong>FEMA</strong> Outreach Liaison Olivia Humilde Olivia.Humilde@fema.dhs.gov<strong>FEMA</strong> Insurance Liaison Edie Lohmann Edith.Lohmann@fema.dhs.govProject Manager Vince Geronimo Vince.Geronimo@aecom.comOutreach Leads Lisa Messano LMessano@mbakercorp.comWendy ChangWendy.Chang@aecom.com41

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