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<br /> <br />flooding. New structures and impervious surfaces in floodways <br />or in the 100~year floodplain, for example, limit the soil's <br />capacity to absorb stormwater and flood waters and thus <br />increase the propensity for flooding downstream. In such cases, <br />or where new flood-retention structures have been built to limit <br />damages, communities may find the maps our of date. They are <br />entitled to seek map amendments that reflect this new <br />information. FEMA, which oversees the NFIP, is open to <br />considering map amendments, in part to protect the $1 billion <br />investment the agency has made in developing the maps. <br />There is a bigger payoff for local communities in complying <br />with NFIP regulations for floodplains. As Subdivision Design in <br />Flood Hazard Areas notes: "According to FEMA, since 1978, <br />buildings constructed according to NFIP standards have <br />sustained 77 percent fewer losses than buildings constructed prior <br />to the regulations being put in place.>> The report further notes <br />that protective measures for existing buildings have prevented <br />about $770 million in flood damages to buildings and contents. <br />Within that context, FIRMs also show floodways, which are <br />defined as river channels or watercourses and "adjacent land <br />areas that must be reserved to discharge the 1 percent <br />probability flood without cumulatively increasing the water <br />surface elevation more than a designated height, generally one <br />foot." NFIP rules permit no development in the floodway that <br />will increase flood levels. In contrast, the floodplain consists of <br />those land areas beyond the waterway that are normally dry but <br />would be affected by flooding. A floodway ideally could be used <br />for open space such as buffer zones and wildlife habitat. <br /> <br />CRS Planning Credit <br /> <br />Acommunity can receive up to 210 points toward its <br />Community Rating System (CRS) classification. The 10 steps <br />and their maximum possible credit points for each are as follows: <br />a. Organize to prepare the plan: Up to 10 points for involving a <br />professional planner and including other departments in a formally <br />organized planning committee. <br />b. Involve the public: Up to 4f points for various methods to obtain <br />public input with 26 of the points for including citizens on the <br />planning committee. <br />c. Coordinate with other agencies: Up to 18 points for meeting with <br />and otherwise communicating with neighboring communities and <br />local. regional, state, and federal floodplain management agencies. <br />d. Assess the hazard: Up to 10 points for mapping and describing all <br />known flood hazards and other natural hazauls, such as erosion and <br />earthquakes. . <br />e. Assess the problem: Up to 30 points for assessing the impact of <br />flooding on buildings. infrastructure, public health, safety, natural <br />areas, and the local economy. <br />f. Set goals: Two points are provided for developing a statement of <br />the goals of the community's floodplain management program. <br />g. Review possible activities: Up to 30 points. Five points are <br />provided for reviewing measures under each of six basic strategies. <br />This encourages the community's planners to consider more than <br />the traditional approaches of flood control. regulations, and <br />acquisition. <br />h. Draft an action plan: Up to 50 points are provided based on the <br />variety of activities recommended (more points for niore strategies). <br />i. Adopt the plan: Two points are provided for having the plan officially <br />adopted by the community's governing body. <br />j. Implement, evaluate, and revise: Up to 10 points are provided <br />based on the procedures the community establishes. to monitor and <br />update its plan. <br /> <br />Source: CRS Coordinators Manual, FEMA (draft of the 1996 edition). Section 511. <br />This sidebar originally appeared in the }ulyfAuguSl 1996 issue of Environmmt 6- <br />D,v,/opmmt, in the article "Flooding and Planners," by French Wetmore. <br /> <br />2 <br /> <br />Overlay or Overhaul <br />Most communities, as Wetmore observes, have stand-alone <br />floodplain management ordinances and use the national model <br />provided by NFIP. In some cases, he says, this may be <br />attributable to local officials' fear of takings litigation if zoning <br />seems to prohibit all economically viable uses of a floodplain <br />property. Certainly, this is a legitimate concern, but Wetmore <br />notes that the courts are not always favorably disposed toward the <br />property owner's view when the community is seeking to protect <br />public health and safety by using land-use regulations to mitigate <br />natural hazards. He cites a 1991 case, Beverly Bank v. Illinois <br />Department of Transportation (lOOT), 579 N.E.2d 815, 44 ZD <br />113, in which the Illinois Supreme Court upheld IDOT's denial <br />of a permit to build two homes in the 100-year floodplain. <br />The state high court reached this decision even though the <br />landowner had acquired a state permit that would have <br />permitted filling a part of the flood fringe area in the Butterfield <br />Creek floodway. The permit expired at the end of 1988 after the <br />village ofFlossmoor denied a building permit because of the <br />floodplain location. In the meantime, the Illinois General <br />Assembly amended IDOT's regulatory program to prohibit all <br />inappropriate uses in the floodway. Those deemed appropriate <br />included flood control structures, parks, and recreation facilities, <br />but no buildings. The high court said the restrictions were <br />justified not only because of the concern "about preventing <br />further flooding, but also the concern about the need to provide <br />disaster relief services and the need for the expenditure of state <br />funds on shelters and rescue services for victims of flooding." <br />Those concerns are worth taking seriously. The issue . <br />presented here does not relate to the merits of overlay districts <br />per se bur to the tendency to use that approach to incorporate <br />minimum NFIP requirements in order to qualify for flood <br />insurance. It is an approach often used in lieu of a more <br />thorough planning review of appropriate floodplain uses. <br />Ideally, because almost any structure serves as an obstruction <br />to the natural flow and absorption of flood waters, the <br />floodplain would be almost entirely permanent open space. <br />However, that is often not an option and, with larger <br />waterways, there are some water-dependent uses that would be <br />entirely appropriate and economically desirable (see "Rapid <br />Response Tools for Waterfront Change," Zoning News, <br />November 1995). <br />More than a few communities have drafted effective floodplain <br />zoning regulations using overlay districts. In fact, they are widely <br />used to address special problems in all types of sensitive areas. In <br />some communities, a single comprehensive ordinance establishes <br />overlay districts covering a range of sensitive areas. For example, <br />Scottsdale, Arizona, has an environmentally sensitive lands <br />ordinance that deals with steep slopes, alluvial fan flooding, and <br />the protection of special features (such as petroglyphs and rock- <br />climbing areas) and desert vegetation. <br />Alluvial fans have long posed a vexing development problem <br />in the West because there is no visible floodplain. Instead, the <br />fan consists of layers of sedimentation produced from flooding <br />off steep slopes behind the fan, usually in heavy rainstorms. The <br />sedimentation serves as a geological clue to the existence of a <br />potential flooding hazard that requires unique zoning <br />restrictions to prevent disaster. Planners seeking additional <br />information on suOh unusual high-risk flooding can obtain a <br />1987 FEMA guidebook, Reducing Losses in High Risk Flood <br />Hazard Areas. <br />With a narrower agenda. Livingston County, Michigan, focuses <br />on natural hazard areas in a model ordinance it prepared for one of <br /> <br />$1 <br />