Community rating system
The City of Concord participates in the voluntary program called Community Rating System (CRS) regulated under the Federal Emergency Management Agency (FEMA). The program rewards communities for following specific floodplain management activities by providing a discount on flood insurance.
The CRS uses a Class rating system that is similar to fire insurance rating to determine flood insurance premium reductions for residents. The Classes are rated from 10 to 1. The City is currently at a rating of 6 as of May 2020, which offers Concord policy holders a 20% discount on flood insurance premiums.
The main goals of the CRS are: 1) reduce flood damage to insurable properties 2) strengthen the insurance aspects of the National Flood Insurance Program (NFIP) and 3) foster comprehensive floodplain management.
Annual Progress Reports on Local Hazard Mitigation Plan and Repetitive Loss Properties
Annual Progress Report for the Local Hazardous Mitigation Plan
Annual Report for Repetitive Loss Properties
Community Rating System Reduces Flood Insurance Cost
Permit Application Review
The City shall review all permit applications to determine the following:
- That all requirements of this chapter have been satisfied
- That the site indicated in the permit is reasonably safe from flooding
- Whether the proposed development adversely affects the flood-carrying capacity of the special flood hazard area. For purposes of this chapter, adversely affected means that the cumulative effect of the proposed development, when combined with all other existing and anticipated development, will increase the water surface elevation of the base flood more than one foot at any point
- With respect to applications involving five or more parcels, that the flood discharge exiting the development after construction is equal to, or less than, the flood discharge at the location prior to development
Ordinances prohibits the issuance of a building permit for a building within a Special Flood Hazard Area (SFHA) without first obtaining a SFHA permit. Engineering division will determine if a proposed building lies within a flood hazard area. If it does, the following procedure applies:
- Engineering Division will provide the permit applicant with a SFHA permit application form.
- Engineering Division will review the application for completeness and compliance with ordinance requirements. When appropriate, specific requirements will be noted on the permit.
- Engineering Division will approve, conditionally approve, or deny the permit application. Building Division will be informed of Engineering division’s decision via the normal building permit plan check process.
- Building Division to inspect construction for conformance with ordinance requirements (flood proofing, required elevation certificate).
- Engineering Division will file all applications in SFHA file along with pertinent information.
- Building Division will submit to the Engineering Division pertinent records such as documentation inspections and elevation certificates for filing.
- Engineering Division will initiate enforcement proceedings for any ordinance violations.
- For development permits such as subdivisions of use permits, Engineering Division will notify the developer of the ordinance requirements through the project conditions of approval.