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FEMA LETTERFederal Emergency Managexnent Agency Washington, D.C. 20472 MR. DONALD FINDELL 6850 SIVERTS LANE NE FRIDLEY, MN 55432 DEAR MR. FINDELL: October 19, 2018 CASE NO.: 18-05-4466A COMMUNITY: CITY OF FRIDLEY, ANOKA COUNTY, MINNESOTA COMMUNITY NO.: 270013 This is in reierence to a request that the Federal Err►ergency Management Agency (r �MA) determine if the property described in the enclosed document is located within an identified Special Flood Hazard Area, the area that would be inundated by the flood having a 1-percent chance of being equaled or exceeded in any given year (base flood), on the effective National Flood Insurance Program (NFIP) map. Using the information submitted and the effective NFIP map, our determination is shown on the attached Letter of Map Amendment (LOMA) Determination Document. This determination document provides additional information regarding the effective NFIP map, the legal description of the property and our determination. Additional documents are enclosed which provide information regarding the subject property and LOMA.s. Please see the List of Enclosures below to determine which documents are enclosed. Other attachments specific to this request may be included as referenced in the Determination/Comment document. If you have- any questions about this letter or any of the enclosures, please contact the FEMA Map Information eXchange (FMIX) toll free at (877) 336-2627 (877-FEMA MAP) or by letter addressed to the Federal Emergency Management Agency, Engineering Library, 3601 Eisenhower Ave Ste 500, Alexandria, VA 22304-6426. Sincerely, ! ,-::>,., ,:.r -_, - � _ -�,;_-._ - _,.. __ � _ .� Luis V. Rodriguez, P.E., Director Engineering and Modeling Division Federal Insurance and Mitigation Administration L1ST OF ENCLOSURES: LOMA DETERMINATION DOCUMENT (REMOVAL) cc: State/Commonwealth NFIP Coordinator Community Map Repository Region ,W . Page 1 of 2 Date: October 19, 2018 Case No.: 18-05-4466A LOMA Q�YA�1��� a� � Federal Emergency Management Agency °��,� M ��� Washington, D.C. 20472 qNp Sti�' LETTER OF MAP AMENDMENT DETERIV�INATION DOCUMENT REMOVAL COMMUNITY AND MAP PANEL INFORMATION LEGAL PROPERTY DESCRIPTION CITY OF FRIDLEY, ANOKA Lot 4C, Second Revisions of Auditor's Subdivision No. 21, as COUNTY, MINNESOTA described in the Warranty Deed recorded as Document No. 430833, in the Office of the Register of Deeds, Anoka County, Minnesota connnnuNinr CQMMUNITY NO.: 270013 NUMBER: 27003C0403E AFFECTED MAP PANEL DATE: 12116/2015 FLOODING SOURCE: RICE CREEK PPROXIMATE LATITUDE & LONGITUDE OF PROPERTY:45.090322, -93.238397 OURCE OF LAT & LONG: LOMA LOGIC DATUM: NAD 83 DETERMINATION OUTCOME 1% ANNUAL LOWEST LOWEST WHATIS CHANCE ADJACENT LOT LOT BLOCK/ SUBDIVISION STREET REMOVED FROM FLOOD FLOOD GRADE ELEVATION SECTION THE SFHA ZONE ELEVATION ELEVATION (NAVD 88) NAVD 88 NAVD 88 4C -- Second 6726 and 6736 Property X -- -- 855.2 feet Revision of Central Avenue NE (unshaded) Auditor's No. 21 Special Flood Hazard Area (SFHA) - The SFHA is an area that would be inundated by the flood having a 1-percent chance of being equaled or exceeded in any qiven year (base flood). ADDITIONAL CONSIDERATIONS (Please refer to the appropriate section on Attachment 1 for the additional considerations listed below.) ZONE A This document provides the Federa� Emergency Ylanagemenf Ayency's detar;�iinatiG„ rer�arding a�e�a�st ,'cr u Le;:er �` hlap Frhendment fer the property described above. Using the information submitted and the effective National Flood Insurance Program (NFIP) map, we have determined that the property(ies) is/are not located in the SFHA, an area inundated by the flood having a 1-percent chance of being equaled or exceeded in any given year (base flood). This document amends the effective NFIP map to remove the subject property from the SFHA located on the effective NFIP map; therefore, the Federal mandatory flood insurance requirement does not apply. However, the lender has the option to continue the flood insurance requirement to protect its financial risk on the loan. A Preferred Risk Policy (PRP) is available for buildings located outside the SFHA. Information about the PRP and how one can apply is enclosed. This determination is based on the flood data presently available. The enclosed documents provide additional information regarding this determination. If you have any questions about this document, please contact the FEMA Map Information eXchange (FMIX) toll free at (877) 336-2627 (877-FEMA MAP) or by letter addressed to the Federal Emergency Management Agency, Engineering Library, 3601 Eisenhower Ave Ste 500, Alexandria, VA 22304-6426. _, , . _ -� ' � -. _! `.___ ___> ar,�,, � _ -�,-. . � - Luis V. Rodriguez, P.E., Director Engineering and Modeling Division Federal Insurance and Mitigation Administration Page 2 of 2 � �Date: October 19, 2018 �Case No.: 18-05-4466A � LOMA Federal Emergency Management Agency Washington, D.C. 20472 LETTER OF MAP AMENDMENT DETERMINATION DOCUMENT (REMOVAL) ATTACHMENT 1 (ADDITIONAL CONSIDERATIONS) ZONE A(This Additional Consideration applies to the preceding 1 Property.) The National Flood Insurance Program map affecting this property depicts a Special Flood Hazard Area that was determined using the b�st flaod hazard data available to FEMA, but without performing a detailed enQineer�ng analysis. The flood elevafion used to make this determination is based on approximate methods and has not been formalized through the standard process for establishing base flood elevations published in the Flood Insurance Study. This flood elevation is subject to change. This attachment provides additional information regarding this request. If you have any questions about this attachment, please contact the FEMA Map Information eXchange (FMIX) toll free at (877) 336-2627 (877-FEMA MAP) or by letter addressed to the Federal Emergency Management Agency, Engineering Library, 3601 Eisenhower Ave Ste 500, Alexandria, VA 22304-6426. -- � - �_ :��.�..,=•; :.:�;_ _ _ ._ � Luis V. Rodriguez, P.E., Director Engineering and Modeling Division Federal Insurance and Mitigation Administration �'���ral E�n+�rgency 1V�:a�a��rn�n.� 1-�.gency w�shii,�toi�, n.C:. �047� ADDITIONAL INFORMATION REGARDING LETTERS OF MAP AMENDMENT When making determinations on requests for Letters of Map Amendment (LOMAs), the Department of Homeland Security's Federal Emergency Managexnent Agency (PEMA) bases its determination on tlle flood hazard information aVailable at the tiane of the deterzr►ination. Requesters should be aware that flood coilditio�ls may change or new in%rmation inay be ge�aerated that would supersede FEMA's determination In such cases, the conlrr►unity will be ix�►fortned by letter. Requesters also should be aware that removal of a property (parcel of land or structure) from the Special Flood H�zard Area (SFHA) means FEMA has determined the prope�•ty is not subject to irntndatiot� by the flood having a 1-percent cl�ance of being equaled or exceeded in any given year (base flood). This does not tnean the property is not subject to other flood laazards. The property could be inui�dated by a flood with a ��ta.gnitude greater than the base flood or by localized flooding not shown on the effective National Flood I��surance Progranl(NFIP) map. The effect of a LOMA is it retnoves the Federal requiretnent for the lendet to require flood insurance coverage for the propetty described. The LOMA is not a waiver of tlae condition that the property owner maintain flood insurance coverage for the prope�ty, Only the lender can waive the flood insurance purchase requirement because the leader itnposed the requiretnent. The pYoperty owne�� rnust reguest and recefve a writt.en waiver fra�n the lender before canceling the policy. The lei�der may determine, on its own as a business decision, that it wishes to continue the flood insurance requirement to proteci its �nancial risk on tlie loan. The LOMA provides FEMA's comment on the tnandatory #iood insurance requireinents of the NFIP as they apply to a particular property. A LOMA is not a building permit, nor should it be construed as such. Any develo.pment, new construction, or substantial improvetnent of a property impacted by a LOMA �ntist comply with all applicable St�te and local criteria and other Federal criteria. If a lender releases a propet�ty owner from the flood insurance requireinent, and the property owner decides to cancel the policy and seek a refund, the NFIP will refund the premiuin paid for the current policy year, provided that no clai�n is pending or has been paid on the policy during the current policy year. The property owner must provide a written waiver of the instirance requirement fi•om tlze lender to the prc�perty insurance agent or compai�y servicing his or her policy. The agent or coinpany will tlaen process the refiind request. Even though structures are not located in an SFHA.,.as me�ltioned above, they could be flooded by a flooding event with a greater magnitude tl�an the base flood. In fact, znore than 25 percent of all claims paid by the NFIP are for policies £or structures located outside the S�'HA in Zones B, C, X(shaded), or X(unshaded). More than one-fourth of all policies purchased under the NFIP protect structures located in these zones. The risk to structures located outside SFHAs is just not as great as the risk to structures located in SF'HAs. Finally, approxirrxately 90 percent of all federally declared disasters are caused by flooding, a��d l�omeowners insurance does not provide �na�icial protection from this flooding. Therefore, FEMA encourages the widest possible coverage under the NFIP. LOMAENGI (LOMA Removal) The NFIP offers two types of flood insurance policies to property owners: the low-cost �'referred Risk Policy (PRP) and the Standard Flood Insurance Policy (SFIP). The PRP is available for 1- to 4-family residential structures located outside the SFHA with little or no loss history. The PRP is available for townhouse/rowhouse-type structures, but is not available for other types of condominium units. The SFIP is available for all other structures, Additional information on the PRP and how a property owner can yuality for this type of policy may be obtained by calling the Flood Insurance Information Hotline, toll free, at 1-800- 427-4661. Be%re making a final decision about flood insurance coverage, FEMA strongly encourages property owners to discuss their individual flood risk situations and insurance needs with an insurance agent or company. F�MA has established °Grandfather" rules to benefit flood insurance policyholders who have rnaintained continuous coverage, Property owners may wish to note also that, if they live outside but on the fringe of the SFHA shown on an effective NFIP map and the map is revised to expand tha SFHA to include their structure(s), their flood insurance policy rates will not incraase as long as the coverage for the affected str�icture(s) has been continuous, Property owners wauld continue to receive the lower insurance policy rates. LOMAs are based an minimum criteria established by the NFIP. State, county, and community officials, based on krlowledge of .local conditions and in the interest of safety, may set higher standards for construction in the SFHA. If a State, county, a• community has adopted more restrictive and comprehensiva floodplain inanagement criteria, thesa criteri� take precedence over th� minimum Federal criteria. In accordance with regulations adopted by the community when it made application to join the NFIP, letters issued to amend an NFIP map must be attached to the commut�ity's of�cial record copy of the map. That map is available for public inspection at the coinmunit�'s official inap repository. Therefore, FEMA sends copies of all such letters to the affected community's official map repository. When a restudy is undertaken, or when a sufficient number of revisions or amendments occur on particular map panels, FEMA inxtiates the printing and distribution process for the affected panels, FEMA notifies community officials in writing when affected map panels are beir�g physically revised and distributed. In such cases, FEMA attempts to reflect the results of the �,OMA on the new map panel. If the results of particular LOMAs cannot be reflected on the new map panel because of scale lirnitations, FEMA notifies the coinmunity in writing and cevalidates the LOMAs in that letter, LOMAs revalidated in this way usually will becaine effecti�re 1 day after the effective date of the revised map.