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Sue’s Flood Real Estate Tips: Be Aware of Substantial Improvement Triggers
Are you considering purchasing a property in a high risk flood zone with the intention of renovation/repair? Are you aware of the FEMA, state and local requirements in order for you to get your permits? If the cost of your renovation or repair project exceeds 50% of the assessed value of the building (not including […] You must be a member to view this content. Becoming a member is FREE! Go to our “Become a Member” page to join now by clicking HERE Username or E-mail Password Remember Me Forgot Password
CRS Success: Setting Precedents in Community Outreach
The most costly and frequent natural disaster in the United States is flooding. Recent years of U.S. disaster data tells this story. In 2017, for example, 80% of FEMA’s disaster spending was on flood-related events. Because of the exposure that flooding presents, nearly 1,500 communities around the country participate in the Community Rating System (CRS) which represent 70% of National Flood Insurance Program (NFIP) policy holders. CRS is a program within the NFIP which reduces flood risk and lowers flood insurance premiums when a community performs specific tasks outlined in the CRS manual, revolving around community resiliency. CRS communities are recognized as being more resilient and more compliant with NFIP floodplain management standards. As a CRS participating community implements different CRS activities, points are accumulated. For every 500 points, a community moves up in class. Every class increase saves National Flood Insurance Program (NFIP) policy holders in high risk flood zones 5% on their flood insurance and makes a community more resilient against flooding. Class 10 gives no flood insurance discount community-wide, and Class 1 translates to a 45% flood insurance discount community-wide. In Massachusetts, a community can’t go beyond Class 7 due to building code restrictions. CRS awards a […]
Sue’s Flood Real Estate Tips: Hire someone with experience
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Flood Insurance in 2020- Where are we going, what are we doing?
Leaders in the insurance industry anticipated that 2019, much like 2018, would be a tumultuous year for flood insurance with large catastrophic events, legislative impasse, administrative uncertainty. For the National Flood Insurance Program (NFIP) and private flood insurance, all were true and may continue into 2020. Unlike other insurance programs, the NFIP is authorized by Congress. And while private flood insurance is not controlled by a Federal body, Congress’s actions (or inactions) influence the industry. More recently, the NFIP has been suffering from a lack of a long term reauthorization by Congress. The program, which saw its major authorizations expire two years ago, has been propped up by short term extensions and proposed reform measures that have received mixed reactions from stakeholders. To add to the uncertainty, FEMA’s new rating system, Risk Rating 2.0 has seen immense pressure by Congress to be halted, and has now been postponed into 2021. And uncertainty in the marketplace for flood insurance remains as participation is low and losses mount with climate related events. What’s ahead in 2020? Its important to review 2019 to see where 2020 takes us. The National Flood Insurance Program was started in 1968 by Congress after major flooding events […]
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South Shore CRS Users Group
First Meeting of the South Shore CRS Users Group The MCC would like to invite all community officials involved in or interested in the Community Rating System to join us for the first meeting of the South Shore CRS Users Group. The goal of the South Shore CRS Users Group is to connect and guide local communities through CRS, share best practices, and work together for better floodplain management. The Users Group meeting will consist of: An introduction to the Users Group Best practices and where local communities get their points Overview of all CRS activities Discussion and networking with local communities Planning and discussion of future meetings and interests Save the date! Where: Braintree Town Hall Fletcher Room, 1 John F Kennedy Memorial Drive, Braintree, MA 02184 When: March 11th, 10:00am to 12noon (Snow date March 18th, same place and time) Speakers: Joe Rossi, MCC Joy Duperault, CFM, State NFIP Coordinator & Deputy Hazard Mitigation Officer Eugene Kohls, CFM, ISO/CRS Specialis Download the event flyer HERE! Download the agenda HERE! What is CRS? According to the CRS User’s Manual, CRS’s purpose is “to support the NFIP. To do this, the CRS provides flood insurance premium rate reductions to policyholders […]
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