Objectives

Since the inception of FEMA's new pricing approach, known as Risk Rating 2.0, in April 2022, the FBCL has been engaged to ensure three things:

  • Work “within the Federal Emergency Management Agency (FEMA) system” to get the best outcome for all Fort Bend County residents living behind a levee Improvement Districts (LIDs) and residents.
  • Work “legislatively” to ensure we are not disadvantaged and that FEMA and US Army Corps of Engineers (USACE) follow customary and required regulatory processes for changes to their program and requirements
  • Where necessary, seek to enforce breaches of law that imperil flood insurance availability and affordability.
Population
Cities
Levee Improvement Districts:
Municipal Utility Districts

With those 3 objectives in mind, this past year the FBLC has looked closely at:

Community Rating System (CRS)

The Community Rating System (CRS) within City of Sugar Land and Missouri City and found some LIDS were not receiving the full discount they are entitled to under this program.

The FBLC has successfully updated LID 10 and LID 11 and are working on FCLID, LID 2. LID 7, and MUD 42. Savings can be 15-25% off insurance premiums.

Levee Quality Factor (LQF)

The Levee Quality Factor (LQF) which is used by FEMA to determine base flood insurance on policies. Until FEMA allows us a pathway to update their data with current data, flood insurance rates in FBC do not accurately reflect the high quality of levee protection.

If successful, policy holders could save up to 26% on flood premiums.

FEMA’s New Flood Rules: Impact on Fort Bend County

For 2024-2025 the FBLC will be closely monitoring the Technical Mapping Advisory Council’s (TMAC) recent recommendation to FEMA to move from a 50% confidence level to a 95% confidence level in base flood elevation (BFE) (learned at the recent NFA conference).

This would move the 100-year flood plain requirement to as much as a 500-year. This could mean mandatory flood insurance where Federal loan standards apply, hugely impacting Fort Bend County.

The value behind levees make up approximately 25% of the total value of the county, substantially more for the City of Sugar Land. How go the levees, go the county and cities and, unfortunately, homeowner equity and competitiveness of levee protected properties.

What Is a Levee Improvement District (LID)?

A Levee Improvement District, or LID, is a political subdivision of the State of Texas with taxing authority and bond capacity. The LIDs, funded through users within each special district, construct, manage, and maintains local levees. Each individual LID is managed by a board of levee directors, appointed by Commissioners Court or elected by voters in the district.

LIDs are created and operate pursuant to the powers granted to them by the Texas Constitution and are subject to the administrative supervision of the Texas Commission on Environmental Quality (TCEQ). Residents should contact their local LID for more information.

What is a Municipal Utility
District (MUD)?

A Municipal Utility District, or MUD, is a local government entity authorized to provide essential services like water, sewer, and trash collection within its designated area.

Funded through property taxes, MUDs are overseen by elected boards and operate under the Texas Commission on Environmental Quality (TCEQ).  Contact your local MUD for specific details.

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