ASFPM and the ASFPM Foundation: Raising the floor on great flood policy and products!

&

ASFPM’s MissionMitigate the

losses, costs, and human

suffering caused by flooding.

and…

2

PresenterPresentation NotesAs you know, ASFPM is a national non-profit, professional, organization. What you might not know is that ASFPM is a mission driven membership organization. The mission is quite simple – reduce misery caused by floods and protect natural floodplains wherever possible.

Protect the natural and beneficial

functions of floodplains.

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PresenterPresentation NotesBecause of ASFPM’s two part mission, naturally there are floodplain management solutions that we tend to be more partial to – such as nonstructural. However, we also recognize that we need all of the tools in the toolbox to reduce flood risk in the nation.

National and State Policy IssuesNational CFM® CertificationState Chapter Services & SupportDevelop Publications & Resource Materials for Floodplain

Managers

No Adverse Impact (NAI) Conferences & Events Continuing Education Development (ASFPM Webinar Series)Research and Other Projects

What does ASFPM do?

PresenterPresentation NotesASFPM is a respected national voice in on flooding issues. ASFPM continually provides input to Congress and the Administration. Did you know that ASFPM was the first to promote hazard mitigation? We had a hand legislatively in the formation of the Hazard Mitigation Grant Program in the Stafford Act to the FMA program and even Increased Cost of Compliance – all of these were ASFPM ideas in the beginning. ASFPM continues to be an advocate for improved flood mapping – in fact that is how ASFPM was founded by a group of Midwestern states that were having issues with flood maps. We are also an advocating to continue Map Maintenance (unmet needs)

The ASFPM’s certification of floodplain managers through the CFM program has been on of our biggest successes. We now have over 9,200 CFMs in nation and will likely see our 10,000th CFM in 2016.

Of course ASFPM’s annual conference is the nation’s largest event dealing with all things flood. The annual conference in Atlanta last year had over 1,100 attendees with lots of training sessions and field tours.

Finally ASFPM’s Science Services section undertakes projects that involve research, development of tools and publications for practitioners, and develops unique datasets collected by ASFPM.

2016 ASFPM Conference

Important Dates:Sept 2015: Sponsor and Exhibitor Prospectus available

Oct 31, 2015: Call for Abstracts and Workshops deadline

January 2016: ASFPM Foundation Collegiate Student Paper Competition submission deadline

Feb 1, 2016: Registration Opens

March 2016: Annual National Awards submittal

PresenterPresentation NotesI would be remiss if I didn’t mention our next ASFPM Annual National Conference which will be held June 19-24 in Grand Rapids, Michigan! This slide highlights some important dates to be mindful of. Also – please, please, complete our easy online submittal form for one of the eight categories where nominations are accepted. You can go to the ASPFM website for more details.

CFM Program upgrades

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New changes as of November 2015:• 16 credits over 2 years—no core and

parallel distinction;• Webinars and online training now

count;• New student rate to attract young

professionals;• More credit for “flood-related Courses”;• Guidance document at:

http://www.floods.org/ace-files/documentlibrary/CFM/Guidance_for_CECs.pdf

• Soon to announce open period for Chapter regent.

http://www.floods.org/ace-files/documentlibrary/CFM/Guidance_for_CECs.pdf

New non-ASFPM portal

7

ASFPM: Source for National Training opportunities

8

9

Federal Budget (FY16) FEMA• Administration Request

– Flood Mapping. $400 m. ($279 million in appropriated funds)

– Pre Disaster Mitigation. $200 m– Flood Mitigation Assistance. $175 m

Not passed yet; most likely scenario is a negotiated budget between President and Congress

PresenterPresentation NotesThe Administration’s budget request is the best we have seen in several years, and these are the numbers shown on the slide. For comparison purposes, the Administration’s request in FY15 in each of these categories was $84.4m for mapping and $0 for PDM. But the Federal budget is passed by Congress and their numbers matter too! So the Senate bill provides $190m for mapping and $100m for PDM. The House has $100m for mapping and $25m for PDM.

So what does this mean? More than likely, Congress will pass a short term Continuing Resolution that lasts through the end of the calendar year and probably roll all of the spending bills into a large Omnibus bill that will be negotiated with the President.

NFIP Reform Implementation

• Several studies recently released or to be released soon: – Community Based Flood Insurance (7/15)– NFIP Affordability Part 1 (3/15)– NFIP Affordability Part 2 (fall 2015)– Flood Risk Rating (negatively elevated

structures – 6/15)• TMAC established and working

– First report focusing on incorporating best available climate science and future flood risk in flood mapping due this fall, as well as the TMAC annual report

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PresenterPresentation NotesCollectively, we are just calling them the NFIP Reforms, this includes both Biggert Waters 2012 and the Homeowners Flood Insurance Affordability Act (HFIAA) of 2014. Did you know that between the two pieces of reform legislation, there were 80 new sections of law passed? Interestingly, there were about 60 areas of new law applying to FEMA which will ultimately take them years to implement. So what are the more recent changes?

First, several studies directed for the National Academies of Science have been released. Most of these studies were a result of BW-12. It is expected that the conclusions of these studies will help inform proposed reforms in 2017.

Second, the Technical Mapping Advisory Council (TMAC) has been established and has been running for over a year now. ASFPM has a representative on the Council and many others are ASFPM members. If you recall, the TMAC was established under BW-12 to primarily review and provide recommendations of that National Flood Mapping Program from standards to metrics. Specifically they have a couple of early priorities: 1) To review FEMA’s mapping program to ensure it is technically valid / scientifically credible, and 2) To make recommendations to FEMA on incorporating best available climate science and future conditions into flood mapping processes. The first of their reports will be coming out this fall.

NFIP Reform Implementation • Continued rate adjustments

• HFIAA surcharges added (4/15) - $25 primary residences, $250 all other buildings

• Optional 10K deductible• Reserve assessment increased to 15% for most

policies• Rates going up, up, up!

• Lending Regulators Final Rule (7/15)• Requires mandatory escrow of flood insurance after

Jan 1, 2016 for residential loans (some exceptions)• Mandatory purchase will not apply to detached

structures in SFHA (effective 10/1/15) 12

PresenterPresentation NotesRates continue to climb. This past April, the HFIAA surcharges – which go to the Reserve Fund – was added to new and renewal polices. Also, items such as the optional 10K deductible are now in effect (subject to the lender’s discretion). Recently, the regulators that oversee lenders issued a final rule which will require the escrow of flood insurance for new loans issued after January 1, 2016. Now there are some exceptions, the most notable of them being an exception for lenders with $1 billion or less of assets. So small banks and savings and loans will not have to mandate the escrow of flood insurance. I would point out that ASFPM feels that escrowing and basically charging a monthly payment for flood insurance may be more beneficial to people than coming up with the annual premium all at once. Perhaps escrow will also help with compliance with the mandatory purchase requirement, especially when it comes to maintaining a policy over several years.

EO 13690 and FFRMS• Issued 1/30/15, it updates EO 11988• Draft guidelines for implementation establishes new

flood risk standard for federal actions. Agencies have three options:– Freeboard approach 3 ft. for critical actions, 2 ft for

everything else;– 500-year elevation; or– Climate informed science to develop new BFE

• Requires consideration of nature based alternatives• Administration reviewing 300+ comments on draft

guidelines; will finalize this fall. In the meantime agencies have developed implementation plans

ASFPM STRONGLY SUPPORTS AND HAS DEVELOPED WEBPAGE FOR INFORMATION LINKED TO ASFPM HOMEPAGE AT WWW.FLOODS.ORG

PresenterPresentation NotesThe issuance of the new Executive Order 13690 that amends EO 11988 is probably one of the biggest developments we have seen on national policy stage regarding flood risk management in decades. While the NFIP has been reformed over time, the new EO shows federal leadership in trying to reduce flood losses, but also with an eye to the future and flood resiliency in the face of climate change challenges. A few main points:

Flood losses are increasing showing that our current approach is not working to reduce or at least flatten out the flood loss curve. In the 1990’s flood losses in the nation averaged $5.6 billion/year. That jumped to over $10 billion/year in the 2000s and this decade is reflecting the trend we saw in the 2000s. The EO applies to federal actions. A federal action is further defined in the guidance that is now out for comment, but basically it can be anything that is funded, financed, or undertaken by the government or a blend of government and private funds. However, strictly private actions are not subject to the EO.There are lots of questions about how agencies will implement the EO. Understand that after the public comment period closes for comments on the overall federal interagency guidelines, every federal agency affected by the EO will have to update their standards, programs, and regulations to comply with the new FFRMS and EO. That will mean that they will undertake rulemaking which is an additional period of time for you to provide comments.The EO and new FFRMS is more about catching up with what communities and states are already doing. ASFPM research has shown that at least 62% of the US population lives in a community or state with a freeboard. That means that today’s EO 11988 and its basic standard which is the BFE is leading to lots of federal development that is not compliant with state and local standards. An increasingly number of communities like Dallas Texas and Nashville Tennessee already have a freeboard for all development 3 feet or more. We are seeing an increase in the adoption of these larger freeboards along our coastlines as sea level rise becomes a bigger factor in future land use decisions. While we know that the science of climate change is evolving, the approach taken by the EO to give the option of having climate informed science as a basis for the flood risk standard is perfectly suited to let the standard evolve as the science evolves. More than likely, other than in coastal areas, agencies will not choose to use the climate informed science approach since the data isn’t good enough yet.

FHA 203K Loan• FHA's primary program for the rehabilitation and

repair of single family properties:– Flood mitigation activities are eligible– Combines financing for purchase or refinance and repairs

into one loan– Can be used in cases where property owner finds flood

insurance too expensive or generally to mitigate flood risk– Must be done by a FHA approved lender – they already

exist throughout the country– Competitive mortgage rates

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New FHA guidelines explicitly making hazard mitigation activities eligible will be released this fall. ASFPM will be working with HUD to promote nationwide. Stay tuned for more

information!

PresenterPresentation NotesASFPM has been working with HUD since late 2013 to better under this particular program and how it can be used to reduce flood risk. Luckily that work is paying off. After receiving a clarification from HUD that this program can be used in non-disaster times (we had heard it being used in New York / New Jersey after Sandy) last year, we met with HUD several times to discuss updated guidance for lenders to explicitly allow flood mitigation to help address flood insurance affordability issues. This fall, ASFPM will be working with HUD to promote this program nationwide. We are discussing several areas of collaboration to ensure ease of use and widespread acceptance. Although this is not a panacea – after all it is a loan - we think it will be a game changer because it is at least an option - whether or not you have a FEMA mitigation grant project, whether or not you have a disaster and whether or not your flood insurance is affordable.

Additional Program Information:

The Section 203(k) Program is FHA’s primary program for the repair and rehabilitation of single family properties. As such, the program provides for mortgages made to repair or improve existing homes. The mitigation of flood risk to an existing home either through relocation or elevation of the existing structure is permitted by the 203(k) program. As long as the structure is not demolished then 203K can be used to build an entirely new, code compliant foundation. This might be elevating in place or doing the rehabilitation needed to abandon an old basement and relocate utilities to a higher floor provided that floor is located above the regulatory flood elevation.

As the program is not designed for mortgages made for the construction of a new home, the program does require the existing foundation of a structure to remain when the purpose of the mortgage is to rebuild a structure that has been, or will be demolished. Thus a complete demolition rebuild (or as FEMA would say mitigation-reconstruction) type activity would not be allowed. After Sandy, HUD did issue a waiver to the requirement that the foundation must remain if a structure is demolished since there were several scenarios where the structure was totally destroyed by the event. However, unless a specific waiver is issued by HUD (and this is the first time we have seen a waiver issued).

Some information from HUD website:

Section 203(k) offers a solution that helps both borrowers and lenders, insuring a single, long term, fixed or adjustable rate loan that covers both the acquisition and rehabilitation of a property. This past summer, ASFPM worked with HUD to clarify that the FHA 203K loan program can be used to mitigate flood risk (even if there isn’t damage) through elevation or relocation of a home.

Type of Assistance:Section 203(k) insures mortgages covering the purchase or refinancing and rehabilitation of a home that is at least a year old. A portion of the loan proceeds is used to pay the seller, or, if a refinance, to pay off the existing mortgage, and the remaining funds are placed in an escrow account and released as rehabilitation is completed. The cost of the rehabilitation must be at least $5,000, but the total value of the property must still fall within the FHA mortgage limit for the area. The value of the property is determined by either (1) the value of the property before rehabilitation plus the cost of rehabilitation, or (2) 110 percent of the appraised value of the property after rehabilitation, whichever is less.

The extent of the rehabilitation covered by Section 203(k) insurance may range from relatively minor (though exceeding $5000 in cost) to virtual reconstruction: a home that has been demolished or will be razed as part of rehabilitation is eligible, for example, provided that the existing foundation system remains in place. Section 203(k) insured loans can finance the rehabilitation of the residential portion of a property that also has non-residential uses; they can also cover the conversion of a property of any size to a one- to four- unit structure. The types of improvements that borrowers may make using Section 203(k) financing include:

structural alterations and reconstruction modernization and improvements to the home's functionelimination of health and safety hazardschanges that improve appearance and eliminate obsolescencereconditioning or replacing plumbing; installing a well and/or septic systemadding or replacing roofing, gutters, and downspoutsadding or replacing floors and/or floor treatmentsmajor landscape work and site improvementsenhancing accessibility for a disabled personmaking energy conservation improvements

HUD requires that properties financed under this program meet certain basic energy efficiency and structural standards.

NFPPR 2015• ASFPM’s flagship policy

document, was updated in 2015

• Contains nearly 400 recommendations to improve floodplain management policy in the nation

• Basis for recommended legislation, rule changes, program updates

PresenterPresentation Notes

After a year-long, grassroots effort, we are happy to have completed the National Flood Programs and Policies in Review 2015. This is ASFPM’s flagship policy document that serves as our guide when we talk to Congressional Offices or agencies within the Administration. A lot has happened since our last revision which was in 2007! NFPPR Has recommendations in almost every policy area that intersects with floodplain management including mapping, climate change, development standards, disaster recovery, natural and beneficial functions and stormwater. It also provides commentary on flood risks that have a special geography such as the coastal floodplain and the arid west.

Research and Other Projects

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PresenterPresentation NotesAs floodplain managers, we know that we need data, techniques, and tools to do our jobs effectively. That is why ASFPM and the Science Services section of ASFPM exist – to make your lives easier and to enable the floodplain management practitioners to be successful. For the next few slides, I want to highlight some of the projects and research that ASFPM is doing…

PresenterPresentation NotesThe foundation provided early and critical support of ASFPM’s “No Adverse Impact” or NAI initiative. NAI can be thought of as the “golden rule”: “Do to others as you would have them do to you!” More technically, “No Adverse Impact” floodplain management is an approach to development that ensures that the actions of one property owner are not allowed to negatively affect the rights of other property owners. NAI is a managing principle that is easy to communicate and, from a legal and policy perspective, difficult to challenge. It is important to note that NAI does not prohibit development, it merely ensures the property rights of ALL property owners are protected. 

NAI How-To Guides• Features:

– 5 NAI level tools in each guide– Case studies and “How-To”

information– Based on 7 building blocks in

NAI Toolkit. Three guides complete: Mitigation, Infrastructure, and Planning

• Three guides in production: Education/Outreach, Mapping, and Regulations

• One guide to start in FY16: Emergency Services

PresenterPresentation NotesIn 2012 an effort began to create a series of NAI How-To Guides. When completed, they will cover the seven building blocks or areas of community work profiled in the NAI Toolkit: Hazard identification, infrastructure, mitigation, emergency services, regulations, planning, and education/outreach. Each how-to guide identifies at least five NAI level tools that can be used by communities to implement. Of course, NAI is ASFPM’s resiliency initiative and has been so since its inception.

Great Lakes Coastal Resilience Planning Guide

www.greatlakesresilience.org

PresenterPresentation Notes

This online guide is a partnership between ASFPM and NOAA. It is an online publication and tool that is focused on community resiliency and climate change. ASFPM is also partnering with communities in the Great Lakes region to enhance this collaboration and to result in a better focus on planning and resilience. Currently we are working with Duluth MN and Toledo Ohio.

http://www.greatlakesresilience.org/

Other Projects• CRS “Green Book”

– Develop resource guidebook for communities identifying CRS elements that have co benefits of CRS credits and protecting natural floodplain functions

– Developing several case studies, show “how-to” implement specific elements

• Update of PAS report “Subdivision Design in Flood Hazard Areas”– Original developed in 1997– Update to include stormwater issues, platting, new

case studies, legal issues, etc.• Planner’s Information Exchange

– Partnership with American Planning Association– 8 webinars over 2 years, both CFM and AICP credits

PresenterPresentation NotesAs you can see, we have several projects in the hopper. I am particularly excited by our deepening partnership with the American Planning Association. Currently we have two partnership projects. The first of these updates a Planners Advisory Service report that was issued nearly 20 years ago. Still, it remains one of the best sources of information on subdivision standards in flood hazard areas (because the NFIP minimum standards will not get you very far). The other is the Planners Information Exchange in which APA and ASFPM will be putting on 8 webinars over two years that also give free – yes I said free – CECs for both AICPs and CFMs! You can go on ASFPM’s training calendar for more information.

Other Projects• Community Floodplain

Management Survey– Develop baseline of local

program capacity– Format based on ASFPM State

and Local Program Survey– Desire is statistically valid data

nationally and in each state • Comprehensive ASFPM

website update– Driven by state of the art library

system for organizing documents and resources

– New features and better integration with projects

PresenterPresentation NotesHave you ever wondered how your community’s floodplain management program compares to others in your state or across the country? Much like we do with state programs, we are going to develop the data so we can track local floodplain management capability over time. Since the 1980s we have been doing a good job tracking state capability but not as well with tracking local community capability. The concept of the community floodplain management survey is to separate out the local programs element of the State and Local Programs survey and develop it much more fully.

One of the biggest initiatives ASFPM will be undertaking this next year is the update of our website. For the past couple of years we have been working on developing a state of the art electronic library system which will be a the heart of our new website. At our conference in Atlanta, we asked for feedback from members and that feedback will help guide our redesign.

ASFPM Foundation

MissionTo promote public policy through select strategic

initiatives

Serve as an incubator for long-term policy

development that promotes sustainable floodplain and watershed management

PresenterPresentation NotesWhat is the Foundation? How is it different from the ASFPM? The foundation is a dynamic, active organization created in 1996 as a separate, but interconnected, partner of ASFPM. The foundation is several things:

It is a professional volunteer organization for those engaged in the field; a “think tank” facilitating the advancement of the concepts of sound floodplain management; and an advocacy group representing thousands of professionals working out in the real world for the benefit and protection of people and property. The foundation raises funds to support sustainable floodplain and watershed management initiatives.

How we provide supportThe Gilbert F. White National Flood Policy Forums

Nick Winter College Scholarship Fund and Student Paper Competitions

No Adverse Impact (NAI)

“National Flood Programs in Review” Report

Technical Floodplain Management Training Videos and Publications

State Symposia

National Building MuseumWashington DC

PresenterPresentation NotesWhen you contribute to the Foundation, where is your time and money going? What is the Foundation doing today?

This presentation will note the different areas in which donated time and funds are used. During my short overview today, I’d like to talk about a few of these ongoing activities in more detail: The Gilbert F. White National Flood Policy Forums; the Nick Winter College Scholarship Fund; No Adverse Impact; State Symposia, and the National Building Museum.

07.2015 Removed the FloodManager Interactive Simulator from the presentation since it is currently unavailable. Sonja Wood, H2O Partners

2013 Gilbert White Flood Policy Forum

PresenterPresentation NotesThe Forums serve as laboratories for the exploration of key policy challenges to the profession and to effective flood risk management.  Some of the greatest policy challenges and opportunities are examined in detail and new paths identified for reform, data needs and research.

To date, there have been five forums, the latest one occurring September 2015. The 5th assembly tackled "Climate-Informed Sciences and Flood Risk Management—Opportunities and Challenges"

2013 Gilbert White Flood Policy ForumHow do I get a copy?

http://www.asfpmfoundation.org

PresenterPresentation NotesThe lasting legacy of the forums is the report published following the conclusion of each assembly. These reports are distributed to policy makers and others with the goal that they will be reviewed and used as a tool to determine which actions could be undertaken to reduce flood losses in the United States.

Reports on four of the forums are available on the foundation website. The site address will be noted at the end of this presentation.

http://www.asfpmfoundation.org/

Foundation State Symposia• ASFPM Foundation members and chapter leaders

all agree that these state symposia have succeeded by: Engaging chapter members; Exploring differences in scope and focus; and, Discussing issues at the state and local level, and

plan out potential future actions. Application due in August Foundation donates up to $5,000 matching

Successful Symposia conducted: 2011 IN & CO 2014 Fl 2013 TX & GA 2015 IL & AZ

PresenterPresentation NotesASFPM State Symposia Working Group Over the past four year, the seven states that hosted ASFPM State Symposia have formed a Working Group to continue the momentum that each developed after their event.  State and Chapter representatives from Arizona, Colorado, Florida, Georgia, Illinois, Indiana, and Texas participate in the Working Group conference calls.  NC, NY, & TX will be new to the group in 2016. The overall goal of the group is to keep each of the states engaged and moving forward in achieving the flood risk reduction outcomes outlined following the State events.  Through this working group coordination, the states hope to build relationships, foster communication, learn from each other’s’ experiences, collaborate on flood risk reduction ideas, and work together to make recommendations for a sustainable and resilient future. The group plans to meet virtually 2 – 3 times per year to continue to share success stories and lessons learned. 

National Building MuseumASFPM Foundation and ASFPM are sponsors of the new exhibition at the National Building Museum in

Washington, DC titled “Designing for Disaster.”That ran through Aug. 2, 2015

Designing for Disaster exhibition focused on how to reduce impacts of natural disasters, and explores disaster mitigation

and resiliency as an evolving science

For more information about the National Building Museum, please visit www.nbm.org.

PresenterPresentation NotesASFPM Foundation, along with ASFPM and numerous other entities, is a sponsor for the special exhibit, “Designing for Disaster”, that opened May 2014 and ran through August 2015. From seismic retrofits and safe rooms to firebreaks and flood risk management, this exhibition explores how regional, community, and individual mitigation and preparedness are the best antidotes to disaster.

http://www.nbm.org/

Larry Larson Speaker Series

“Creating Flood Resilient Communities”

Inaugural speaker Ali ZaidiAssociate Director for Natural Resources

Energy and Science Programs Office of Management and BudgetExecutive Office of the President

Ongoing Series of speakers to create opportunities for interaction among the nation’s thought leaders

on flood risk reduction policy

PresenterPresentation NotesThe ASFPM Foundation Board of Trustees is pleased to introduce this new series that began in 2015: “Larry A. Larson Speaker Series: Creating Flood Resilient Communities”  The featured speaker for this inaugural event was Ali Zaidi, Associate Director for Natural Resources, Energy and Science Programs, Office of Management and Budget, Executive Office of the President.   The intent of this series is to create opportunities for interaction among the nation’s thought leaders on flood risk reduction policy. Associate Director Zaidi will discuss “Protecting Federal Investments through National Flood Risk Management Standards”, highlighting the Administration’s efforts with partners to reduce the costs and suffering from floods.

GENERAL INFORMATION contact:Diane Brown - asfpmfoundation@floods.orgGilbert White National Flood Policy Forums

www.asfpmfoundation.org/events.htmwww.asfpmfoundation.org – Hit the Donate Button

PresenterPresentation NotesCONCLUSION AND QUESTIONS I can’t thank you enough for listening to me speak today on behalf of the ASFPM Foundation; we are grateful for your time! If you have any further questions about the Foundation, or about getting involved, please contact Diane Brown at ASFPM at the address on the screen.  

mailto:asfpmfoundation@floods.orghttp://www.asfpmfoundation.org/events.htmhttp://www.asfpmfoundation.org/

Thank YouThe present status of floodplain

management does not encourage complacency ... On balance, progress has

been far short of what is desirable or possible, or what was envisaged at times when the current policies and activities

were initiated.- GFW

As an ASFPM member, you not only grow with the organization, you help shape it!

www.floods.org

PresenterPresentation NotesWell those are just the highlights of the many, many things ASFPM is involved with right now. Remember, ASFPM is your professional organization! I hope that you are a member of [STATE CHAPTER NAME] and if not, get involved. State chapters are critical, especially in focusing on state legislation and issues. If you are not a member of ASFPM, I invite you to join! For those of that are, thank you for your membership and I hope that you feel that we provide you a good return on your investment in us. The entire staff in Madison Wisconsin work very hard to earn your membership dollar!

http://www.floods.org/

ASFPM and the ASFPM Foundation: �Raising the floor on great flood policy and products!ASFPM’s Mission�Slide Number 42016 ASFPM ConferenceCFM Program upgradesNew non-ASFPM portalASFPM: Source for National Training opportunitiesSlide Number 9Federal Budget (FY16) FEMA�NFIP Reform Implementation NFIP Reform Implementation EO 13690 and FFRMSFHA 203K LoanNFPPR 2015Research and Other ProjectsSlide Number 17NAI How-To GuidesGreat Lakes Coastal Resilience Planning GuideOther ProjectsOther ProjectsSlide Number 22Slide Number 232013 Gilbert White Flood Policy Forum2013 Gilbert White Flood Policy ForumSlide Number 26Slide Number 27Slide Number 28Slide Number 30Thank You