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<br /> <br />Any CDBG Program must remain incompliance with the National Flood Insurance Program (NFIP) <br />requirement. Part of building sustainable communities means elevating homes above Base Flood <br />Elevation (BFE), which mitigates future losses by protecting the home from future floods. A <br />compliant Program elevates homes based on the latest issued FEMA floodplain maps (FIRM). <br />Homes are zoned based on the height that water might rise to in a future flood event.Flood <br />insurance rates are calculated based on whether the home is above that height; elevated homes <br />have lower insurance rates. <br /> <br />Per the Federal Register, all structures designed principally for residential use and located in the <br />100-year floodplain that receive assistance for new construction, repair of substantial damage, or <br />substantial improvement must be elevated with the lowest floor, including the basement, at least <br />two feet above the 100-year floodplain elevation. <br /> <br />This means that in order for CDBG-DR funds to be expended in the hardest hit areas of the City <br />that are within the 100-year flood plain, elevation of the substantially damaged ordestroyed <br />structure is not an option but required. <br /> <br />Once a structure is repaired or rebuilt in these areas (and possibly elevated), the recipient of the <br />funding will be required to carry a flood insurance policy moving forward. <br /> <br />Additionally, there may be affected households within the community that were deemed ineligible <br />to receive funds from FEMA following the May and October flooding events due to not carrying <br />flood insurance following a prior disaster in which they received assistance. For those affected <br />households, you may be ineligible to receive further federal assistance and could be disqualified <br />from any CDBG program. Should the City identifya way to assist these households, the types of <br />assistance they will be able to receive from this round of funding will be limited to a few very <br />specific activities. Those activities will be further defined within the final Action Plan and will be <br />open to public comment. <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br />60 <br /> <br />