ORDER NO. 31263
FLOODPLAIN LETTER TO BE SENT TO PROPERTY OWNERS
Came to be heard this the 13th day of April, 2009, with a motion made by Commissioner
Williams, seconded by Commissioner Oehler, the Court unanimously approved by a vote
of 4-0-0 to:
Approve the Floodplain Letter to be sent to property owners that may be affected by the
new proposed DFIRM maps.
l , ~) COMMISSIONERS' COURT AGENDA REQUEST
3 /~(0 3
PLEASE FURNISH ONE ORGINAL AND ONE COPY OF THIS REQUEST AND DOCUMENTS TO
BE REVIEWED BY THE COURT. PLATS OR LARGE FORMATS PLEASE FURNISH 6 COPIES.

MADE BY: LEONARD ODOM OFFICE: Road & Bridge
MEETING DATE: 4/13/2009 TIME PREFERRED:
SUBJECT: _(PLEASE BE SPECIFIC) Consider, discuss and take appropriate action to review and
approve the Floodplain letter to be sent to property owners that maybe affected by the new proposed
DFIRM maps.
EXECUTIVE SESSION REQUESTED: (PLEASE STATE REASON)
NAME OF PERSON ADDRESSING THE COURT: LEONARD ODOM
ESTIMATED LENGTH OF PRESENTATION: 5 minutes
IF PERSONNEL MATTER -NAME OF EMPLOYEE:

Time for submitting this request for Court to assure that the matter is posted in accordance with
Title 5, Chapter 551 and 552, government Code, is a follows:
Meeting scheduled for Mondays: 5:00 P.M. previous Tuesday
THIS REQUEST RECEIVED BY:
THIS REQUEST RECEIVED ON: (a~
All Agenda Requests will be screened by the County Judge's Office to determine if adequate information has
been prepared for the Court's formal consideration and action at time of Court Meetings. Your cooperation
will be appreciated and contribute towards your request being addressed at the earliest opportunity. See
Agenda Request Rule Adopted by Commissioners' Court.
5`~A~ E QF ~
x
ooUn~ o~ der
Kerr County Road & Bridge
4010 San Antonio Hwy
Kerrville, Texas 78028
TO: COMMISSIONERS' COURT
FROM: LEONARD ODOM
DATE: 4/13/2009
RE: FLOODPLAIN LETTERS FOR PROPERTY OWNERS THAT MAYBE AFFECTED BY
THE PROPOSED DFIRM MAPS FROM FEMA.
FEMA HAS SENT OUT NEW PROPOSED DFIRM MAPS THAT WILL GO INTO EFFECT
IN THE NEXT YEAR. WE REVIEWED AND RE REVIEWED THE NEW MAPS AND
COMPARED THEM TO THE CURRENT DFIRM MAPS AND NOTICED THAT 52
PROPERTIES MAY BE AFFECTED BY THESE AREAS THAT HAVE CHANGE. THIS
CHANGE ON THE MAPS WILL BRING SOME PROPERTY OWNERS INTO THE (SFHA)
"SPECIAL FLOOD HAZARD AREA" WHICH UNDER THE CURRENT DFIRM MAPS
ARE NOT IN THE SFHA. WE WOULD LIKE TO SEND THIS LETTER AND
ADDITIONAL INFORMATION TO INFORM THESE PEOPLE OF THIS CHANGE SO
THEY WILL HAVE THE OPPORTUNITY TO OBTAIN FLOOD INSURANCE IF THEY
WOULD LIKE.
AT THIS TIME WE ASK THE COURT FOR THE APPROVAL TO SEND THIS
FLOODPLAIN INFORMATION PACKAGE TO THESE PROPERTY OWNERS.

Kh
CC MEMO FLOODPLAIN LETTER.doc
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OounM of X64

Kerr County Floodplain Administration
Leonard Odom, Jr., CFM 4010 San Antonio Hwy
Floodplain Administrator Kerrville, Texas 78028
Telephone: 830-257-2993
FAX: 830-896-8481
Email: kcroads~;ktacom
Kelly Hoffer
Assistant Administrator
CERTIFIED MAIL
RETURN RECEIPT REQUESTED
April 13, 2009
PROPERTY ID:
PROPERTY ADDRESS:
Community: Kerr County, Texas
Community No.: 480419
Dear

On September 30, 2008, the Department of Homeland Security's Federal Emergency Management Agency
(FEMA) provided Preliminary copies of the Flood Insurance Study (FIS) report and Digital Flood Insurance Rate
Map (DFIRM) for our community. The new study was primarily a conversion of the existing study to a Digital
format and a redelineation of the established zones on new topographic data. At the request of our community, a 90
day comment period will be conducted allowing for comments and concerns to be addressed over the new DFIRM
and FIS report. Public notification of the comment period was given in the Kerrville Daily Times and West Kerr
Current on or about March 5, 2009. Maps can be viewed at our community's map repository located at 4010 San
Antonio Highway, Kerrville, TX 78028.
These proposed DFIRMs, if finalized, will become the basis for the floodplain management measures that our
community must adopt or show evidence of already being in effect in order to qualify or remain qualified for
participation in the National Flood Insurance Program (NFIP).
During the 90 day comment period following the second publication in the above-named newspapers, any owner or
lessee of real property in our community who believes his or her property rights will be adversely affected by the
DFIRM determinations may comment to the Kerr County Road and Bridge Department. Anyone located within the
city limits of Ingram or within the city limits of Kerrville should contact the appropriate city floodplain authority.
Based on a preliminary review of the proposed DFIRM, it appears that the floodplain delineation on your property
or properties, may be affected. If you do not have flood insurance and would like to obtain
insurance, please contact your insurance agent. Please review the enclosed FEMA publications for information
regarding flood insurance.
Individuals who wish to comment should present scientific or technical data that tend to negate or contradict the
proposed DFIRM to Kerr County Road and Bridge who will forward to FEMA and the contractor (URS
Corporation) prior to June 3, 2009.

Leonard Odom, CFM
Kerr County Floodplain Administrator
Kh
FLOODPLAIN 2009 PRELIMINARY FIRM LETTER


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Here's What To Tell Your Clients About
The Benefits Of Flood Insurance Versus Disaster Assistance
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For more information about the NFIP and flood insurance, call 1-800-427-4661, or contact your insurance company or agent.
For an agent referral, call 1-888-435-6637 • TDD 1-800-427-5593 • http://www.fema.gov/business/nfip • http://www.floodsmart.gov

Flood risks can change over time, altering floodplain
boundaries. Changes in the status of dams or levees,
surface erosion, land use and development can all
change the size and shape of a floodplain.
FEMA is currently updating and modernizing the
nation's flood maps. The new maps will reflect recent
changes to floodplains and flood risks, and will drive
changes in flood insurance requirements for some
property owners.
FLOOD MAPS AND FL©O® INSUI2A CE
Flood maps, also known as Flood Insurance Rate
Maps (FIRM), show the high-risk areas where there is
at least aone-percent-annual-chance of flooding. In
these areas, also known as Special Flood Hazard
Areas, flood insurance is required for mortgages from
a federally regulated lender. The maps also show the
low- or moderate-risk areas where flood insurance is
optional but recommended.
When risk designations change, flood insurance rates
will change as well. However, property owners may be
able to take advantage of certain cost saving options
available through the National Flood Insurance
Program (NFIP).
Owners of properties that move from ahigh-risk zone
to a low- or moderate-risk zone may be eligible for
reduced insurance rates by converting to a Preferred
Risk Policy (PRP). A PRP covers both a structure and
its contents, and offers substantial savings. A PRP can
be obtained for as little as $112 a year.
There are also ways for owners of some structures
moving into high-risk zones to save. Existing
policyholders may be able to use the rate charged for
the lower-risk zone through a process known as
grandfathering.

GRANI~FATHERING OFFERS SAVINGS
The NFIP's grandfathering provision offers savings
for structures that were built before a flood map was
issued for the community, or that were built in
compliance with the flood map in effect at the time of
construction. The simplest way to grandfather is to
purchase a flood insurance policy before the new map
takes effect and maintain coverage without a lapse.
If a structure was built in compliance with the
requirements in place at the time of construction, the
zone and Base Flood Elevation (BFE)* that was in
effect can be used for rating purposes, if either is
affected due to a map change. Sometimes using the
new zone can provide a better rate than using the older
one, so property owner should always ask their agent
to look at both options.
~EVcES ~t~f~ rLC30~ N~~Fs~~
FEMA urges a!I people living behind levees to
purchase and maintain flood insurance coverage,
whether it is required or not. The fact is, levees can
and do decay over time if not properly maintained.
They can also fail, or be overtopped by flood
events larger than those which they were built to
protect against.
FEMA and the Army Corps of Engineers are
working to identify risks associated with the nation's
levees. If a levee is found to be deficient or unsafe,
structures located behind it will be mapped into
high-risk areas and flood insurance will be required
for most mortgage holders. Property owners can
contact their insurance agents for more information.
*BFE is the level flood waters have a 1 % chance of reaching
any given year
MARCH 2007 PAGE 1



If a policy is obtained before a new map becomes effective, policyholders can retain the rate associated with the
previous map's flood zone and BFE, as long as continuous coverage has been maintained. For structures built
after a FIRM was issued, insurance costs will be based on the zone designation and BFE for the map in effect at
the time the structure was built (unless the new map offers a lower rate). However, policyholders must submit
supporting documentation to their insurer that shows the structure was built to conform to standards on the earlier
map. Continuous coverage is not required in this case. If a structure was built before the community's first FIRM
was issued and the policy was not purchased prior to the effective date of a new map, policyholders can still save,
but policy costs will be defined by pre-FIRM rates associated with their zone designation on the new map.
HOW GRA DFATHERING WORKS
MORE INFORMATIOI~I IS AVAILABLE
Property owners should be fully aware of their flood risk and the current status of flood maps in their community.
They can contact their local floodplain management officials to learn the status of local flood maps, or can obtain
a copy of the current map at ~~~~ 1-c.rr~~;c.fc:~~~¢~.gts~ .Home and business owners who do not have flood insurance
should contact their insurance agent to find out more about obtaining flood insurance or visit the F1oodSmart web
site u=~~~ra.Flot~tl~~str~art.=acv.
The chart below provides details on specific map situations, and how the grandfathering rule can apply.
IP THE BvE~~~ ~x9~1P SHOY~S	...~`~iES FL©0,~~ I~iSllr~nE~CE	...a~>~ 3'HESE GIST SAttity~ t~PTi~~
Y~7UR STRu'/TURE l~l...	RE~UIEt/tENTS APPLY...	Ar~E AV.~IL.4PLE,
Zones A, AE, Al-30, AH, AO,	Flood insurance is mandatory	If the effective map shows the structure as
V, VE, V1-30	for structures with mortgages	outside the SFHA, it may be eligible to be
These zones designate high-risk	from a federally regulated	grandfathered in at the current zone's
zones known as Special Flood	lender, and is strongly	rate.""`
Hazard Areas (SFHAs).	recommended for all structures.	
Zones B,C, X, shaded X	Flood insurance is not required,	If the current map shows the structure in a
These zones designate aloes- to	but is recommended.	SFHA, low-cost Preferred Risk Policies
moderate-risk area.		(PRP) may be available when the new map
		becomes effective. Standard insurance
		rates here are also lower than in SFHAs.
Zone AR	Flood insurance is mandatory	The levee is being restored to provide
An area where a levee or similar	for structures with mortgages	sufficient flood protection, and a rate
structure is determined to no	from a federally regulated	similar to an X-zone rate may be available.
longer provide sufficient flood	lender, and is strongly	If the current map shows the structure as
protection, but is in the process	recommended for all structures.	outside the SFHA, it may be eligible to be
of being restored.		grandfathered in at the current zone's
		rate.'
Zone A99	Flood insurance is mandatory	The levee is being restored to provide
An area where a Federal flood	for structures with mortgages	sufficient flood protection, and a rate
protective structure is under	from a federally regulated	similar to an X-zone rate is available. If the
construction to provide the	lender, and is strongly	current map shows the structure as outside
necessary flood protection	recommended for all structures.	the SFHA, it may be eligible to be
standard.		grandfathered in at the current zone's
		rate.**
** The structure may be eligible for a PRP policy; however, it must be converted to a standard X zone-rated policy when the PRP
renews for the first time after the new map takes effect
MARCH 2007 PAGE 2