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.
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.
Committee
The Fort Bend Levee Coalition was created to engage those invested in flood mitigation and reasonable and responsible public policy that protects land usage and private property rights while mitigating flood risk.
LID/MUD
FIRST COLONY LID
FIRST COLONY LID 2
FORT BEND COUNTY LID 2
FORT BEND COUNTY LID 6
FORT BEND COUNTY LID 7
FORT BEND COUNTY LID 10
FORT BEND COUNTY LID 11
FORT BEND COUNTY LID 14
FORT BEND COUNTY LID 15
FORT BEND COUNTY LID 17
FORT BEND COUNTY LID 19
FORT BEND COUNTY LID 20
PECAN GROVE MUD
SIENNA PARKS LID