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Wednesday February 22, 2012

Floodplain update nearing long-awaited end

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Joseph Lindberg, jlindberg@faribault.com

In the immediate foreground is the more narrow Straight River valley. In the background, the Cannon River valley and its visible floodplain. Floodplain maps and ordinances are in the process of being updated, and that process is nearing its end after five years. (File Photo)

Important upcoming dates:

Feb. 6: Notifications go out to homeowners that live within floodplain areas or within 350 feet of floodplain areas. Notifications will be color coded: Light green, orange or blue depending on what zone your property falls within.
Feb. 21: From 4 p.m. to 6:30 p.m. at City Hall, city officials are holding an open house on the floodplain maps and ordinances. This is the best chance for residents to learn about the process, what changes took place in Faribault and what will come next. Informational sessions will likely start every hour.
Feb. 21: At 7 p.m., the city’s planning commission will read and approve the ordinances and maps.
Feb. 28: First reading of the new floodplain ordinance at a city council meeting. It requires two readings before it can go on the books.
March 27: Second reading of the new floodplain ordinance. This date was chosen because it allows for the city’s charter changes to take effect. Namely, the elimination of the 30-day waiting period after the second reading of an ordinance before it can hit the books. The ordinance will be officially published March 30.
April 3: The deadline set by the Federal Emergency Management Agency (FEMA) to have all ordinances passed and maps approved. It’s a hard deadline: Those cities and counties that do not meet the deadline will not be allowed to participate in the National Flood Insurance program.

The five year process to digitize flood insurance maps and update flood ordinances is finally nearing its conclusion.
And Faribault is on track to update those items to meet the federal standards necessary to remain in the national flood insurance program.
“It will make it easier for everyone involved,” said Greg Kruschke, planning coordinator for Faribault. “Everything from banks to cities, it will all be digital.”
As long as Faribault meets the April 3 deadline, anyone in Faribault can buy flood insurance. But premiums depend on residents’ relation to traditionally identified flood plains — and those at the most risk of flooding are required to buy insurance.
The city’s existing floodplain maps were last updated in 1978, though the ordinances that come with it are updated more frequently. The original maps are found in a pamphlet that very clearly lacks the detail and usefulness of digitized maps.
But the process to get to those updated maps has been long and sometimes tenuous.
Faribault got preliminary approval from the Minnesota Department of Natural Resources (DNR) Jan. 19, one of many steps in a process that first began in 2007 when the Federal Emergency Management Agency (FEMA) announced its intent to update floodplain maps nationwide.
New contour maps were assembled with Rice County. But preliminary maps created by FEMA in 2009 did not properly assess the Straight River area of downtown Faribault, and the city went through an appeal in conjunction with DNR.
During a city work session last week, Administrator Chuck Whiting simplified the thoughts of city officials that dealt with the half-decade long project fairly succinctly:
“It would have been much easier if FEMA had done the maps right in the first place,” he said.
FEMA’s project is run through the DNR, and the DNR channels efforts through state counties and cities, according to city documents.
Now, the city is awaiting the final maps — which include the updated portions of the Straight River in Faribault — so the process of notifying the public of changes to maps and ordinances can take place Feb. 6.
Notifications will go out to between 1,000-1,200 properties, Kruschke said.
“We want everyone who owns property in flood plain areas or close to it to know what’s going on,” he said. When the city held an open house for the preliminary maps in 2009, there was strong turnout.
And that was before the historic September 2010 flood event. Since that time, the word “flood” has taken on new meaning to the city.
“We’re preparing for a strong turnout,” Kruschke said.
Color-coded notifications will go out to property owners near or within new floodplain boundaries. Those within 350 feet of a floodplain will receive a light green letter, those in the traditional “500-year” range orange and the “100 year” blue.
A detailed explanation of the new floodplain and ordinance will be explored during an open house session at the city hall in February.

— Joseph Lindberg covers the city and county for the Daily News. He may be reached at 333-3135. Or at Twitter.com @JosephLindberg

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#1 Flood insurance is a scam

Flood insurance is mandated for those that take out a mortgage and live in a "flood plain". Even those close to the flood plain can require insurance...and it ain't cheap
The problem is is that the insurance money is pooled and if the President declares a flooding "disaster" the pooled money is spent on disaster relief EVEN ON THOSE THAT ARE NOT INSURED, especially businesses. Your premium can be used to rebuild Fargo or Bismarck, New Orleans or Seattle.
More of your premium is spent on NONinsured properties than insured
Another misconception is that if you have flood insurance and your property is flooded you will be compensated.
FALSE.
Your 2 closest neighbors(even if their elevation is higher) ALSO must be flooded to the same or GREATER extent in order to receive benefit from the insurance premiums you pay year, after year, after year, after year....
One just needs to look at New Orleans and the great(sic) job FEMA did there after Katrina..."Brownie, you're doing a heck of a job."
Google FEMA and see for yourself that their response to disasters AFTER Katrina have also been bad.
You would be better off putting that money into an interest bearing account than to hope you will reap benefit in recouping money from "flood insurance" premiums
/imho