Integrating Risk and Resiliency into Local Planning - Milford, CT

Converting FEMA’s 4 Core Steps to Local Hazard Mitigation Plan Implementation

Step 1: Organize Resources – Forming Beneficial Partnerships and Developing Communication Channels

• GIS Mapping • Fire Department/Emergency Management • Public Works:

• Stormwater Management • Waste Water Treatment

• Police Department • Community Development • Chief Elected Official’s Office • Inland Wetlands • Planning & Zoning

Step 2: Assess Risks

Understanding Financial Risks and Structural Vulnerabilities allows for an understanding of where future funds and resources can be directed. Hazard Mitigation Plan = Future grant document. For example – Flood Protection for Waste Water Treatment Facilities & Pump Stations

• 4,200 flood zone parcels

• 3,000 NFIP policies

• $3.1 million/premiums paid annually

• $1,052 per household average

• $1,343 per household average in SFHA

National Flood Insurance Program

Step 3: Develop a Mitigation Plan Collect the right

people in the room and keep them talking to each other. Mitigation is LONG RANGE planning. Keep risks in FOCUS.

Step 4: Implement Plan and Monitor Progress

Groin Replacement

CDBG-DR Infrastructure Grant

Gulf Beach, Milford, CT

Apply for mitigation funding Prepare elected officials for mitigation effort cost shares. Commit future resources for mitigation efforts

www.ShoreUpCT.org

State of Connecticut Resiliency Efforts: Shoreline Resiliency Fund

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Low Interest/Short Term Construction Loan Program

• 15 Year Term • 2.75% interest rate (2.895%

APR*) • 1% origination fee • Borrow minimum $10,000 to

maximum $300,000 • No monthly principal or interest

payments for the first 12 months *APR is based on Loan Amount of $125,000 - 168 payments of $897.29

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Shoreline Resiliency Fund aka Shore Up CT

• October 2013 – CT Legislature approved $25 million in funding.

• January 2014 -Housing Development Fund Selected as Fund Manager and awarded $2 million start up funds.

• July 28, 2014 – Shore Up Program Launch

• August 2014 -$3 million released by the Bond Commission

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Location Eligibility:

VE or AE Flood Zone Properties

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Eligible Properties

• Primary and secondary single family

homes, 1-4 unit owner-occupied rentals

• Businesses with 100 or less employees in

good standing with all applicable state

regulatory agencies

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Residential Project Requirements

• Higher Standard - Elevation to the 500 year flood risk height plus at least 1 ft. free board*

*Required for State funds spent in the flood zone

Existing AE-11 Example:

AE-11 x 1.25 = 13.75

Plus 1 ft = FFE 14.75

Commercial: 100 yr +1 ft. freeboard

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High Demand

• 185+ inquiries/3 months

• 45 Pre-qualifications

• 1 Refinance Loan approved;

closing pending.

• 3 Refinance Project

Applications under review

• 2 CDBG-DR gap funding

applications submitted

• HMGP-paired construction

loan applications expected

as approvals are granted.

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Website – www.shoreupct.org

Future Risk and Resiliency Planning Challenges

Allowing New Development in High Risk Areas

Developing Political Strategies for Acquisition and Retreat in Unsustainable Areas.

Identify Areas where Public Investment in Infrastructure Improvements are NECESSARY AND UNAVOIDABLE