FEMA Flood Hazard Ltr. (LOMA)Samantha Ridge;,i ~~'eA~FA.
~' ~~ °~ Federal Emergency Management A enc
x ~w . ~. g Y
°~F ~4`~ Washington, D.C. 20472
~qND StiG
September 11, 2007
MR. DENNIS BAKER CASE NO.: 07-10-0690A
GEOMATICS LAND SURVEYING COMMUNITY: CITY OF YELM, THURSTON COUNTY,
P.O. BOX 2550 WASHINGTON
_ YELM, WA 98597-2550 COMMUNITY NO.. 530310
DEAR-MR:-BAKER:
This is in reference to a request that the Federal Emergency Management Agency (FEMA) 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 (COMA) 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
LOMAs. 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 Assistance Center toll free at (877) 336-2627 (877-FEMA MAP) or by .letter addressed
to the Federal Emergency Management Agency, 3601 Eisenhower Avenue, Suite 130, Alexandria, VA
22304-6439.
Sincerely,
William R. Blanton Jr., CFM, Chief
Engineering Management Section
Mitigation Directorate
LIST OF ENCLOSURES:
COMA DETERMINATION DOCUMENT (REMOVAL)
cc: State/Commonwealth NFIP Coordinator
Community Map Repository
Region
,~
Page 1 of Z ~ Date: September 11, 2007 Case Ho.: 07-10-o690A LOMA
;,~ ~~PA~~~~T
~ ~ Federal Emergency Management Agency
3F~ v _~~~ Washington, D.C. 20472
LETTER OF MAP AMENDMENT
DETERMINATION DOCUMENT REMOVAL
COMMUNITY AND MAP PANEL INFORMATION LEGAL PROPERTY DESCRIPTION
CITY OF YELM, THURSTON A portion of Section 19, Township 17 North, Range 2 East,
COUNTY, WASHINGTON Willamette Meridian as shown on the Boundary Line Adjustment Map
COMMUNITY recorded as Document No. 3935810, in the Office of the Recorder, '
Thurston County, Washington
' COMMUNITY NO.: 530310 The portion of property'is more particularly described by the following
metes and bounds:
AFFECTED NUMBER:5303100001A
MAP PANEL
DATE: 6/16/1999
FLOODING SOURCE: YELM CREEK APPROXIMATE LATITUDE 8 LONGITUDE OF PROPERTY: 46.945, -122.605
SOURCE OF LAT 8 LONG: PRECISION MAPPING STREETS 7.0 DATUM: NAD 83
DETERMINATION
OUTCOME 1%ANNUAL LOWEST LOWEST
BLOCK/ WHAT IS CHANCE ADJACENT LOT
LOT SUBDIVISION STREET REMOVED FROM FLOOD FLOOD GRADE ELEVATION
SECTION
THE SFHA ZONE ELEVATION ELEVATION (NGVD 29)
_ NGVD 29 NGVD 29
_ - 502 Crystal Springs Portion of X 330.2 to 329.4
3302 to 329.4
Road NW Property (shaded) feet feet
Special Flood Hazard Area (SFHA) -The SFHA is an area that would be inundated by the flood having a 1-percent chance of being
e waled or exceeded in an iven ear base flood .
ADDITIONAL CONSIDERATIpNS Please refer to the a ro riate section on Attachment 1 for the additional considerations listed below.
LEGAL PROPERTY DESCRIPTION
PORTIONS REMAIN IN THE SFHA
This document provides the Federal Emergency Management Agency's determination regarding a request fora Letter of Map AmentlmenY for
the property described above. Using the information submitted and the effective National Flood Insurance Program (NFIP) map,' we have.
determined that the described portion(s) of the property(ies) is/are not located in the SFHA, an area inundated by the flood havirig'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 encored.
This determination is based on the flood data presently available. The enclosed documents
determination. If you have an provide additional information regarding this
y questions about this document, please contact the FEMA Map Assistance Center toll free at (877) 336-2627
(877-FEMA MAP) or by letter addressed to the Federal Emergency Management Agency, 3601 Eisenhower Avenue, Suite 130, Alexandria, VA
22304-6439. ~
William R. Blanton Jr., CFM, Chief
._ :Engineering Management Section
' ~ Mitigation Directorate
Page Z of Z I 'Date: September 11, 2007 Case No.: 07-1o-ossoa tons
Federal Emergency Management Agency
Washington, D.C. 20472
LETTER OF MAP AMENDMENT
DETERMINATION DOCUMENT (REM®VALj
ATTACHMENT 1 (ADDITIONAL CONSIDERATIONS)
LEGAL PROPERTY DESCRIPTION (CONTINUED)
COMMENCING at the Northwest Corner of the Northeast Quarter of the Northwest Quarter; thence S01 °02'02"E,
1322.01 feet; thence S01 °01'58"E, 1095.58 feet; thence S01 °02'00"E, 192.08 feet to the POINT OF
BEGINNING; thence-N37°5743"E,-47.68 feet; thence N01°02'00"W;=531;32<feet; thence:`S56°1T48"E, 3:07 feet;
thence S28°07'43"E, 47.77 feet; thence S83°25'52"E, 14.16 feet; thence N53°54'13"E, 14.48 feet; thence
N30°49'37"E, 23.92 feet; thence S63°48'10"E, 21.70 feet; thence S31°14'32"E, 56.02 feet; thence S36°14'02"E,
31.55 feet; thence S34°10'24"E, 41.18 feet; thence S34°05'02"E, 46.72 feet; thence S36°22'25"E, 46.57 feet;
thence S51 °31'28"E, 47.44.feet; .thence.S49°13'15"E, 23.55 feet; thence S07°52'26"W, -34:62 feet; thence
S40°45'47"E, 16.66Yeet; thence S18°38'14"E, 32.01 feet; #henceS40°3704''E, 46.48 feet; thence~S35°16'44"E,
27.28 feet; thence N81 ° 11'28"E, 37.25 feet; thence S50°54'00"W, 236.78 feet; thence N01 °02'00"V1/, 10.00 feet;
thence S79°40'54"W, 100.63 feet; thence S01 °02'00"E, 10.00 feet; thence S79°40'54"W, 100.00 feet to the
POINT OF BEGINNING
PORTIONS OF THE PROPERTY REMAIN IN THE SFHA (This Additional Consideration applies to the
preceding 1 Property.)
Portions of this property, but not the subject of the Determination/Comment document, may remain in the Special
Flood Hazard Area. Therefore, any future construction or substantial improvement on the property remains
subject to Federal, State/Commonwealth, and local regulations for floodplain management.
This attachment provides additional information regarding this request. If you have any questions about this attachment, please contact the
FEMA Map Assistance Center toll free at (877) 336-2627 (877-FEMA MAP) or by letter addressed to the Federal Emergency Management
Agency, 3601 Eisenhower Avenue, Suite 130, Alexandria, VA 22304-6439.
William R. Blanton Jr., C`FM~, Clhief
Engineering Management Section
Mitigation Directorate
Oj~QA/., R~E,y
°' ~ ~ °' Federal Emergency Management Agency
~~l'9ND S~G~4 Washington, D.C. 20472
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 Management Agency (FEMA) bases its determination on the flood
hazard information available at the time of the determination. Requesters should be aware that flood
conditions may change or new information may be generated that would supersede FEMA's determination. In
such cases, the community will be informed by letter.
Requesters also should be aware that removal of a property (parcel of land or structure) from the Special
Flood Hazard Area (SFHA) means FEMA has determined the property is not subject to inundation by the
flood having a 1-percent chance of being equaled or exceeded in any given year (base flood). This does not
mean the property is not subject to other flood hazards. The property could be inundated by a flood with a
magnitude greater than the base flood or by localized flooding not shown on the effective National Flood
Insurance Program (NFIP) map.
The effect of a LOMA is it removes the Federal requirement for the lender to require flood insurance
coverage for the property described. The LOMA is not a waiver of the condition that the property owner
maintain flood insurance coverage for the property. Only the lender can waive the flood insurance purchase
requirement because the lender imposed the requirement. The property owner must request and receive a
written waiver from the lender before canceling the policy. The lender may determine, on its own as a
business decision, that it wishes to continue the flood insurance requirement to protect its financial risk on the
loan.
The LOMA provides FEMA's comment on the mandatory flood insurance requirements 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
development, new construction, or substantial improvement of a properly impacted by a LOMA must comply
with all applicable State and local criteria and other Federal criteria.
If a lender releases a property owner from the flood insurance requirement, and the property owner decides to
cancel the policy and seek a refund, the NFIP will refund the premium paid for the current policy year,
provided that no claim is pending or has been paid on the policy during the current policy year. The property
owner must provide a written waiver of the insurance requirement from the lender to the property insurance
agent or company servicing his or her policy. The agent or company will then process the refund request.
Even though structures are not located in an SFHA, as mentioned above, they could be flooded by a flooding
event with a greater magnitude than the base flood. In fact, more than 25 percent of all claims paid by the
NFIP are for policies for structures located outside the SFHA 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 SFHAs. Finally,
approximately 90 percent of all federally declared disasters are caused by flooding, and homeowners
insurance does not provide financial protection from this flooding. Therefore, FEMA encourages the widest
possible coverage under the NFIP.
LOMAENC-1
The NFIP offers two types of flood insurance policies to property owners: the low-cost Preferred 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 properly owner can quality
for this type of policy maybe obtained by calling the Flood Insurance Information Hotline, toll free, at 1-800-
427-4661. Before 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.
FEMA. has established. "Grandfather" rules to benefit flood insurance policyholders who have maintained
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 the SFHA to include their
structure(s), their flood insurance policy rates will not increase as long as the coverage for the affected
structure(s) has been continuous. Property owners would continue to receive the lower insurance policy rates.
LOMAs are based on minimum criteria established by the NFIP: State, county, and community officials,
based on knowledge of local conditions and in the interest of safety, may set higher standards for construction
in the SRHA. If a State, county, or community has adopted more restrictive and comprehensive floodplain
management criteria, these criteria take precedence over the 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 community's official record copy of the map. That map
is available for public inspection at the community's official map 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 initiates the printing and distribution process for the affected panels. FEMA notifies
community officials in writing when affected map panels are being physically revised and distributed. In
such cases, FEMA attempts to reflect the results of the LOMA on the new map panel: If the results of
particular LOMAs cannot be reflected on the new map panel because of scale limitations, FEMA notifies the
community in writing and revalidates the LOMAs in that letter. LOMAs revalidated in this way usually will
become effective 1 day after the effective date of the revised map.
LOMAENC-1