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il <br />, <br />Any CDBG Program must remain in compliance 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 />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 />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 />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 />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 notcarrying <br />flood insurance following a prior disaster in which they received assistance. For thoseaffected <br />households, you may be ineligible to receive further federal assistance and could bedisqualified <br />from any CDBG program. Should the City identify a 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 fewvery <br />specific activities. Those activities will be further defined within the final Action Plan and will be <br />open to public comment. <br />