And Other FEMA News You Can Use
FEMA releases updated FEMA 213, "Answers to Questions about Substantially Improved/Substantially Damaged
A joint effort by the Building Science Branch and Floodplain Management
Division, an updated FEMA 213 significantly expands the number of questions
answered in the 1991 version of the publication. The enforcement of the SI/SD
requirements can be a major concern for local officials, especially after their
communities experience widespread damage from floods or other disasters. The
questions and answers in the revised FEMA 213 are intended to guide floodplain
administrators, building officials, building inspectors, zoning administrators,
citizen planning boards, and elected and other local officials who have roles
in enforcing floodplain management and building codes. It is also helpful for
architects, engineers, contractors, building owners and others.
FEMA 213 provides short answers to many questions and concerns, while
encouraging local officials and others to refer to more complete guidance in
FEMA P-758, "Substantial
Improvement/Substantial Damage Desk Reference." Each question includes a
text box referring readers to specific sections in the SI/SD Desk Reference.
FEMA 213 is available here on FEMA's Floodplain Management Publications webpage. ASFPM Committee co-chairs will be reviewing this to
see if there are areas of concern.
Announces the Release of the New NFIP Flood Insurance Manual
FEMA released a new, easy to
Insurance Manual Oct. 1, which supersedes the previous FIM. FEMA
designed the FIM with the insurance professional in mind. There are three
program changes announced in the new manual:
expanded Newly Mapped rating eligibility (effective Oct. 1, 2018), appears in
the How to Write section.
added Cancellation Reason Code 26 to the How to Cancel section of the FIM to
allow cancellation of an NFIP policy when a policyholder has obtained a
duplicate policy from sources other than the NFIP.
requirements of Preferred Risk Policy eligibility for certain cancellation
reasons appears in the appropriate cancellation reasons within the How to
Cancel section of the FIM.
What is RR2.0?
Rating 2.0 will be a whole new approach for the NFIP to rate flood insurance and
provide updated policy forms. It actually is called the Risk Rating and Policy
Forms Redesign initiative, which is to deliver rates that are fair, clear and
use current technology and data; and use policy forms that are simple, align
with the industry, and provide choice. The new rating plan will use replacement
cost value, commercial catastrophe models and NFIP mapping data, intuitive
rating variables and easily collected data. The rates will reflect a more
graduated view of the risk (not just in or out) and reflect different types of
flood risk (e.g., fluvial, pluvial, storm surge). FEMA will also be increasing
the number of policy forms from three to at least nine. FEMA will be rolling
out rates in segments, with the first rates and rating structure to be
effective April 2020 for single-family homes in the coastal Southeast (i.e., TX
to FL to NC). This is where FEMA has the most policies and most availability of
up-to-date data. The order of rollout for additional segments will be
determined by FEMA at a later date. ASFPM will keep you updated with additional