PUTNAM COUNTY — FEMA
(Federal Emergency Management Agency) has not updated their flood risk
maps for Putnam County since the early 1990s. Last Wednesday FEMA, along
with ODNR (Ohio Department of Natural Resources) representatives
presented the proposed updated maps to Putnam County officials including
village, township and county officials. FEMA and ODNR representatives
also met with residents who had questions about the proposed maps.
representatives said over 3,000 post cards had been sent out to
property owners who will be affected by the changes. Future flood
insurance costs, changes in the new flood risk map and how residential
owners will be affected was on the agenda.
Village, township and
county officials gathered at the Office of Public Safety in the
afternoon for a Flood Risk Information meeting. The officials were given
information on the mapping process and held discussion with the
officials about their continued NFIP (National Flood Insurance Program)
One of the big topics was not only the new maps,
but how new legislation will affect residents living in the high risk
Most affected are residents living in “Pre-FIRM”
Primary residences in high risk areas. These are residents who living in
older buildings constructed before the effective date of the
community’s first Flood Insurance Rate Map (FIRM). Up until now those
Pre-FIRM buildings had flood insurance policies with subsidized rates.
Residents and officials learned that although most subsidies currently
remain they could be phased out over time. Non-primary residences
(secondary or rental properties), will receive a 25 percent annual
increase at policy renewals until premiums reach their full risk rates.
Business buildings under the Pre-FIRM category will also receive future 25 percent annual increases at policy renewal.
FEMA and ODNR representatives said more information about the future NFIP insurance rates is limited.
indicated that policies will also include an additional $25 surcharge
for primary properties and $250 surcharge annual for all other policies.
Examples of rates included a property that is:
- one foot above the one-percent-annual chance flood event— $356 annually;
- one foot below the one-percent-annual chance flood event — $2,106 annually;
- 10 feet below the one-percent-annual chance flood event — $17,570 annually.
The elevation of the property includes the crawl space or basement.
learned there will be a 90-day appeal process after the Putnam County
proposed new flood maps are put on the federal registry. This appeals
allows residents and officials to appeal or comment their rating.
Following this appeal there will be letters of final determination
regarding the appeals, then a six-month printing period before the maps
It was indicated it would most likely be a year before them maps are completed.
The new maps available online, at the Putnam County Commissioners office and at the Ottawa Municipal Building.
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