WORKSHOPSPECIAL MEETING APALACHICOLA CITY COMMISSION MONDAY,JULY2, 2024-3:00PM. -4 4:00PM FORMER APALACHICOLA MUNICIPAL LIBRARY 74 6TH STRLET,APALACHCOLA, FLORIDA 32320  Agenda  You are welcome to comment on any matter under consideration by the Apalachicola City Commission when recognized to do sO by the Mayor. Once recognized please rise to the podium, state your name for the record and adhere to the three-minute time limit for public comment. Comments may also be sent by email to the City Manager or to Commissioners.  I.  Call to Order Invocation Pledge of Allegiance  II. FEMA Community Rating System (CRS) and Cumulative Substantial improvements  (CSI) Workshop MI. Public Comment  VI. Adjournment  Any person who desires to appeal any decision at this meeting will need a record oft the proceeding and for this purpose, may need to ensure that a verbatim record of the proceeding is made which includes testimony and evidence upon which the appeal is based. Persons with disabilities needing assistance to participate in any of these proceedings should contact the City  Clerk's Office 481 hours in advance of the meeting.    cumulatively for at least 10 years  OR  (b) 20 points, if the regulations require that reconstruction and repairs to damaged buildings are counted cumulatively for at least five years (3) 20 points, if the community adopts regulatory language that qualifies properties for Increased Cost of Compliance insurance coverage for repetitive losses (4) 20 points, if the regulations require that any addition toa building be protected from damage from the base flood  Impact Adjustment for CSI impact adjustment.  CSI credit is adjusted based on the ratio of the area affected by the cumulative substantial improvement regulation to the area of the SFHA. See Section 431.c on calculating an  rCSI=. aCSI, where aSFHA  acsI = the size of the area(s) that qualify for CSI credit, and aSFHA = the size oft the community's SFHA  Documentation for CSI Provided by the Community  (1)The activity documentation requirements in Section 431.d must be met.  (2). At each verification visit,  (a). A list of all permits for building improvements or repairs in the regulatory floodplain that have been issued since the last visit. The list must include both substantial improvements and permitted projects that were not substantial improvements. The ISO/CRS Specialist will review permit records that document how the regulation has been applied. The records need to track permits by parcel number or address, so that the history ofimprovements or repairs to aj particular structure is  checked before the next permit is issued.  432.e. Lower substantial improvements threshold (LSI) The maximum credit for this element is 20 points.  The NFIP allows improvements valued at up to 50% of the building's pre-improvement value to be permitted without meeting the flood protection requirements for buildings located in the SFHA. LSI credits having a threshold that is lower than 50%.  CRS Coordinator's/ Manual  430-19  Edition: 2017    Documentation for FDN Provided by the Community (1)The activity documentation requirements in Section 431.d must be met. 432.d. Cumulative substantial improvements (CSI) The maximum credit for this element is 90 points.  The NFIP allows improvements valued at up to 50% oft the building's! pre-improvement value to be permitted without meeting the flood protection requirements for buildings located in the SFHA. Over the years, a community may issue a succession of permits for different repairs or improvements to the same structure. This can greatly increase the overall flood damage potential to that building as well as the insurance liability to FEMA. CSI provides credit to a community that ensures that the total value of all improvements or repairs permitted OVER TIME does not exceed 50% oft the value of the structure. When the total value does exceed 50%, the original building must be protected according to the Under some circumstances the NFIP flood insurance policy may pay aj portion oft the cost of bringing a substantially flood-damaged building into compliance with the community's floodplain management ordinance. Ift the community has ai more restrictive definition of substantial damage, the provision may still apply. More information on Increased Cost of Ifa community does not regulate for cumulative substantial improvements, it may still receive credit for regulation of additions. Additions within the footprint ofthe original building would have to be to a floor above the base flood elevation. Additions outside the footprint oft the original building would have to be elevated (non-residential structures  ordinance requirements for new buildings.  Compliance coverage can be found at w.cAtcourciony-ou  could be floodproofed) above the base flood elevation.  Credit Points for CSI  Up to 90 points are provided for tracking improvements cumulatively.  CSI = thet total of the following points, not to exceed 90 points  (1) EITHER:  (a) 40 points, if the regulations require that improvements, modifications, and additions to existing buildings are counted cumulatively for at least 10 years  OR  (b) 20 points, if the regulations require that improvements, modifications, and additions to existing buildings are counted cumulatively for at least 5y years  (2) EITHER:  (a) 40 points, if the regulations require that reconstruction and repairs to damaged buildings are counted  CRS Coordinator 's Manual  430-18  Edition: 2017    113.a. Credit Points and Classification  Ad community receives a CRS classification based upon the total credit for its activities. There are 10 CRS classes. Class 1 requires the most credit points and gives the greatest premium reduction or discount. A community that does not apply for the CRS, or does not obtain the minimum number of credit points, is a Class 10 community and receives no discount on premiums. The qualifying community total points, CRS classes, and flood insurance premium discounts are shown in' Table 110-1.  Table 110-1. CRS classes, credit points, and premium discounts. Credit Points (CT) 4,500+ 4,000-4,499 3,500-3,999 3,000-3,499 2,500-2,999 2,000-2,499 1,500-1,999 1,000-1,499 500-999 0-499  Premium Reduction Ins SFHA 45% 40% 35% 30% 25% 20% 15% 10% 5% 0  CRS Class 1 2 3 4 5 6 7 8 9 10  Outside SFHA 10% 10% 10% 10% 10% 10% 5% 5% 5% 0  SFHA: Zones A, AE, A1-A30, V, V1-V30, AO, and AH Outside the SFHA: Zones X, B, C, A99, AR, and D tol have a minimal risk oft flood damage. Premium discounts are subject to change.  Preferred Risk Policies are not eligible for CRS premium discounts because they already have premiums lowert than other policies. Preferred Risk Policies are available only in B, C, and) XZ Zones forp properties that are shown Some minus-rated, policies may not be eligible for CRS premium discounts.  CRS Coordinator's/ Manual  110-3  Edition: 2017