Res21 16010 final - Laserfiche WebLink

Browse Search

Flood January 6, 2020 A potent cold front swept through the region on January 16, bringing widespread rain, gusty winds, low elevation snow, and thunderstorms. This system brought caused roadway flooding, downed trees, small hail, and snow at elevations as low as 2,400 feet. Numerous flights were delayed or canceled at San Francisco International Airport (National Centers for Environmental Information, 2021). 11.2.5 Location Mapped Flood Zones Flooding in San Mateo County has been documented by gage records, high water marks, damage surveys, and personal accounts. This documentation was the basis for the April 2019 Flood Insurance Study that is incorporated in the current effective DFIRMs. The DFIRMs are the most detailed and consistent data source available for determining flood extent. The April 2019 Flood Insurance Study is the sole source of data used in this risk assessment to map extents and locations of flood hazard areas, as shown on Figure 11-2. Repetitive Loss A repetitive loss property is defined by FEMA as an NFIP-insured property that has experienced any of the following since 1978, regardless of any changes in ownership:  Four or more paid losses more than $1,000  Two paid losses more than $1,000 within any rolling 10-year period  Three or more paid losses that equal or exceed the current value of the insured property. The government has instituted programs encouraging communities to identify and mitigate the causes of repetitive losses. Studies have found that many of these properties are outside any mapped 1 percent annual chance floodplain. The key identifiers for repetitive loss properties are the existence of NFIP insurance policies and claims paid by the policies. FEMA further designates as severe repetitive loss any NFIP-insured single-family or multi-family residential building for which either of the following is true:  The building has incurred flood-related damage for which four or more separate claims payments have been made, with the amount of each claim (including building and contents payments) exceeding $5,000, and with the cumulative amount of such claims payments exceeding $20,000  At least two separate claims payments (building payments only) have been made under NFIP coverage, with the cumulative amount of claims exceeding the market value of the building. To qualify as a severe repetitive loss property, at least two of the claims must be within 10 years of each other, and claims made within 10 days of each other are counted as one claim. In determining severe repetitive loss status, FEMA considers the loss history since 1978, or from the building’s construction if it was built after 1978, regardless of any changes in the ownership of the building. 11-13