New FEMA Base Elevation Requirements are Released

This past weekend, FEMA released the new flood elevation maps for those areas that were affected by Super Storm Sandy. Here you will be able to search by address and find out what the Advisory Base Flood Elevation (ABFE) is for that property. It is choked full of other information as well. After entering the address, and clicking “Get Details” you will not only get the new AFBE, it will also give you the old base elevation, as well as what Flood Zone the property is in. There are also numerous links to other reports and information regarding the elevation of the property.* While this is going to apply to any new homes that are built in flood zones, it will also apply to those homes that the are deemed to “substantially damaged” by the Township in which the property is located. On the Long Beach Township home page, they explain this a little more in the “Repair Your Flood Damaged Home” section about a quarter of the way down the page. They also explain that if the home is deemed to be substantially damage, you must now meet the the required flood elevation for that location. They also give some guidance as to what the Township will deemed as substantially damaged. Of course each town’s requirements may be slightly different, but this is an example what homeowners need to take into consideration when they are deciding what to do with their damaged homes. *Update as of December 19, 2012 – All owners should click on the “Link to AFBE Map” to view the actual map. It gives two different numbers as a base elevation, the 1% Elevation and the 2% Elevation. Here is a link to the definitions, but its essentially the percentage chance that the elevation will be breached by water in a given year. The general difference in feet between the two number are 4-5 feet. For example, our LBI office has a 1% advisory base elevation of 9 feet, and a 2% advisory base of 13 feet. These are the numbers to pay close attention to. We are hearing that Long Beach Township will adopt the 2% ABFE in their buiding ordinances, which means new homes and those deemed substantially damaged will have to raise their house to the 2% elevation. Regarding what is deemed substantially damaged, we are hearing that if the damage to your home is 49-50% of the buildings value, it will be deemed substantially damaged and be forced to comply with the flood regualtions. On Friday, Dec 21, 2012, Long Beach Township is expected to introduce its new FEMA ordinances, so stay tuned…

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