T h e T o r r e n t
A newsletter of the
Connecticut Department of Energy & Environmental Protection
exploring floodplain management issues
Volume 28, No. 1
Summer 2021
In This Issue
  • Risk Rating 2.0 - October 2021
  • Coastal Property Owner's Guide
  • 2021 Hurricane Season Update
  • HMGP Grant Opportunity
  • Resilient Nation Partnership Network
  • PA 21-115 Climate Adaptation Bill
  • New Connecticut Waters Book
  • Training Opportunities
Risk Rating 2.0 begins October 1, 2021
On October 1, 2021, the Federal Emergency Management Agency (FEMA) is updating the National Flood Insurance Program's (NFIP) premium calculation through the implementation of a new pricing methodology called Risk Rating 2.0. The new methodology leverages insurance industry best practices and cutting-edge technology to enable FEMA to deliver rates that are actuarily sound, equitable, easier to understand and better reflect a property’s individual flood risk.

Since the beginning of the NFIP in the 1970s, rates have been based on the flood zone and the base flood elevation (BFE) depicted on a Flood Insurance Rate Map (FIRM) in comparison to structure elevation. By utilizing both federal and private sector data sets, catastrophe models and evolving actuarial science, Risk Rating 2.0 incorporates more flood risk variables, such as flood frequency, multiple flood types (river overflow, storm surge, coastal erosion, heavy rainfall), ground elevation, and distance to a water source along with property characteristics such as first floor elevation, foundation/construction type and the cost to rebuild. The BFE depicted on the FIRM will still be utilized within the new Risk Rating 2.0 methodology.

Currently, policyholders with lower-valued homes are paying more than their share of the risk while policyholders with higher-valued homes are paying less than their share of the risk. Because Risk Rating 2.0 considers rebuilding costs, FEMA can equitably distribute premiums across all policyholders based on home value and a property’s unique flood risk.

Beginning on October 1, 2021, newly purchased flood insurance policies will be subject to the Risk Rating 2.0 methodology. Current policies renewing on or after April 1, 2022, will be subject to the new rating methodology. For current policies renewing between October 1, 2021 and March 31, 2022, policyholders will be given a choice to renew under the old legacy system or the new pricing methodology, whichever is more fiscally beneficial.

Under Risk Rating 2.0, statutory discounts and subsidies, such as grandfathering and newly mapped discounts will be gradually phased out to actuarial rates. Low-cost Preferred Risk Policies (PRP) will also be phased out. The FIRMs will still be used by lenders to determine the mandatory purchase of flood insurance for those structures located in the mapped floodplain. FIRMs will also still be utilized by local floodplain managers for construction and floodplain management. The limits for building and contents coverage will not change. The transfer of a current policy to a new owner at the time of a property sale will also continue under Risk Rating 2.0. The statutory caps on annual individual rates will still apply (no more than 18% annual increase per policy).

FEMA has provided a Risk Rating 2.0 Connecticut State Profile which estimates 37% of current policies will see an immediate decrease in premiums, 46% will see monthly increases of $0-$10, 8% will see monthly increases of $10-$20, and 9% will see monthly increases greater than $20. FEMA has also provided premium change data by county and zip code. To learn more about the changes coming with Risk Rating 2.0, webinars are listed in the Training Opportunities section at the end of this newsletter.
New DEEP Coastal Property Owner's Guide
The Connecticut Department of Energy and Environmental Protection (DEEP) has created a new Coastal Property Owner’s Guide with the goal of helping current and potential property owners, real estate agents, attorneys, builders and anyone involved in selling or buying shoreline properties, understand the regulations and requirements associated with coastal structures, including FEMA floodplain construction and insurance requirements. Many DEEP complaints and enforcement actions stem from unpermitted shoreline structures such as seawalls and docks. Properties with violations are often sold without disclosure of the enforcement action, and the new property owner unknowingly inherits the violation. The guide is available as a poster and as a tri-fold brochure, both can be found on the DEEP Living On The Shore webpage.
2021 Atlantic Hurricane Season Update
On August 4, 2021, the National Oceanic and Atmospheric Administration (NOAA) Climate Prediction Center issued its mid-season update for the 2021 Atlantic hurricane season outlook. In May 2021, NOAA predicted an above-average hurricane season. Current atmospheric and oceanic conditions remain conducive to support this initial prediction.

With hurricane season well underway, beginning June 1 and ending November 30, the latest NOAA outlook reflects that the number of expected named storms (winds of 39 mph or greater) is 15-21, including 7-10 hurricanes (winds of 74 mph or greater), of which 3-5 could become major hurricanes (Category 3, 4, or 5 with winds of 111 mph or greater). This updated outlook includes the five named storms that have formed so far, with Hurricane Elsa becoming the earliest fifth named storm on record.

NOAA scientists predict that the likelihood of an above-normal 2021 Atlantic hurricane season is 65%. There is a 25% chance of a near-normal season and a 10% chance of a below-normal season. Atlantic sea surface temperatures are not expected to be as warm as they were during the record-breaking 2020 season. However, reduced vertical wind shear and an enhanced west Africa monsoon all contribute to the current conditions that can increase seasonal hurricane activity. These conditions are set against the backdrop of the ongoing warm phase of the Atlantic Multi-Decadal Oscillation, which has been favoring more active hurricane seasons since 1995. 

Now is the time for community officials and residents to put their preparations in place. Purchasing flood insurance is the first line of defense against flood damage and a step toward a quicker recovery, but plan ahead as a a new policy will not go into effect until 30 days after purchase. Visit the Connecticut Insurance Department (CID) flood insurance webpage or FloodSmart.gov for more information.

The Connecticut Department of Emergency Services and Public Protection (CTDESPP), Division of Emergency Management and Homeland Security (DEMHS) website contains a 2021 hurricane season municipal resources webpage, shoreline evacuation maps, coastal inundation and SLOSH maps and Before a Hurricane webpage. The National Weather Service Weather-Ready Nation website contains a National Hurricane Preparedness webpage with hurricane safety tips and resources. Also visit FEMA’s Ready.gov for the latest information about hurricane preparedness and evacuation safety.  
FEMA HMGP Mitigation Grant Opportunity
The Connecticut Department of Emergency Services and Public Protection (CTDESPP), Division of Emergency Management and Homeland Security (DEMHS) is currently accepting grant applications for funding through the Hazard Mitigation Grant Program (HMGP) until Janaury 12, 2022, associated with the federal disaster declaration received for Tropical Storm Isaias (HMGP-DR-CT-4580).

The HMGP provides funding to state, local, and tribal governments so they can rebuild in a way that reduces, or mitigates, future disaster losses in their communities. HMGP funding is available only after a presidentially declared disaster.

Sub-applicants must have a FEMA-approved hazard mitigation plan in place by January 12, 2022 to be eligible to apply for planning or project funding. HMGP grants are 75% federal share, with a required 25% match of cash or in-kind services from the sub-applicant. Sub-applicants are encouraged, but not required, to submit a Notice of Intent (NOI) to obtain feedback from both the State and FEMA before submitting a final grant application in order to have the strongest application possible. More information can be found at on the DEMHS HMGP fact sheet and the FEMA HMGP webpage.
Resilient Nation Partnership Network
The Resilient Nation Partnership Network (RNPN) is a unique network of over 500 organizations united to help communities take action and become more resilient. With a mission to inform, educate, and motivate communities to protect themselves from the loss of life and property as a result of natural hazards, the RNPN was formed in 2015 to cultivate relationships with non-traditional organizations, bringing new voices to the nationwide resilience conversation.

The RNPN is founded on the principle of community and knowledge sharing. Partners receive access to a wide network of professionals in the resilience field, collaborating to share information, data, tools, training and speaking opportunities.

Partners stay connected with through the Resilient Nation Roundup Newsletter, quarterly calls, the annual Partnership Forum, and Resilience Exchange webinars (see upcoming webinars listed in the Training Opportunities section at the end of this newsletter). In April 2021, RNPN released the publication Building Alliances for Equitable Resilience. This was RNPN's first co-created resource and was made possible by leveraging the power of partnership.
PA 21-115 Climate Change Adaptation Act
On July 6, 2021, Governor Ned Lamont signed An Act Concerning Climate Change Adaptation, Public Act 21-115, into law. This law implements multiple 
recommendations outlined in the Phase 1 Near-Term Actions Report of the Governor’s Council on Climate Change (GC3) and was originally introduced by the Governor as House Bill 6441. The Act allows Connecticut municipalities to create a stormwater authority to address water quality and flooding, adds climate resilience and flood prevention to the purview of municipal flood and erosion control boards (FECBs), and expands the scope of the Connecticut Green Bank to invest more broadly in environmental infrastructure, including climate resilience and adaptation projects. See the bill analysis here.
CT Waters: Celebrating Our Coastline & Waterways
The new book Connecticut Waters: Celebrating Our Coastline and Waterways is a tribute to Connecticut’s maritime roots both past and present. The book takes readers on a nautical journey exploring the many ways Nutmeggers use our lakes, rivers, sounds and shores for industry, education and recreation. From boat builders, to antique, power and sailing vessels, to lobster shacks, the oyster and fishing industries, historic ferries, nautical arts, lighthouses and islands, charter boats, maritime festivals and celebrations, and more, this book showcases how these waterways have defined our culture and shaped our heritage as a state. The 232 page, hardcover book authored by Caryn B. Davis of Lyme, Connecticut was released in 2021 by Globe Pequot Press. It is also available for Kindle.
Training Opportunities
NFIP & CRS WEBINARS
NFIP-related training webinars are available through STARR, a FEMA contractor. Below is a list of upcoming webinars. To register, go to the NFIP training website and click on the "Upcoming" tab. When asked during registration what FEMA Region you are in, please reply "1". All webinars are one hour in length.
 
  • August 17, 2021, 1:00pm - CRS: Preparing for a Verification Visit
  • August 18, 2021, 1:00pm - CRS: Flood Warning and Response (Activity 610)
  • September 21, 2021, 1:00pm - CRS: Preparing an Annual Recertification
  • September 22, 2021, 1:00pm - CRS: CRS and Coastal Hazards
  • October 12, 2021, 1:00pm - CRS: Introduction to CRS
  • October 13, 2021, 1:00pm - CRS: Floodplain Management Training (Activity 510)
  • Nov. 16, 2021, 12:00pm - CRS: Substantial Damage Properties Management Plans
  • November 17, 2021, 1:00pm - CRS: Watershed Master Planning


COMMUNITY RATING SYSTEM (CRS) VIRTUAL WORKSHOPS
These two-day Introduction to CRS workshops are geared toward community officials interested in joining the program or an overview for new staff charged with managing the program. The workshops will be conducted via Zoom webinar and there is no cost to attend. The workshop has been approved for 12 CECs by the Association of State Floodplain Managers (ASFPM). To get the certificate of completion, the student must attend both days and participate in periodic knowledge checks. Click on the links below to register.
 
 

RISK RATING 2.0 WEBINARS

Risk Rating 2.0: Equity in Action Webinars
This two-hour webinar is geared toward insurance agents but anyone can attend who wants to learn more about the Risk Rating 2.0 program changes. Continuing education credits are offered to insurance agents attending this webinar. These webinars are free. Register here for the dates listed below.

  • August 17, 2021, 1:00pm-3:00pm
  • August 19, 2021, 11:00am-1:00pm
  • August 24, 2021, 1:00pm-3:00pm
  • August 26, 2021, 9:00am-11:00am
  • August 31, 2021, 1:00pm-3:00pm

More webinars will be offered on September 7, 8, 9, 14, 16, 21 and 23. Check back to the registration website in late August to register for the September webinars.


Risk Rating 2.0 - FEMA/H2O Partners Webinars
FEMA and H2O Partners are conducting a four-part a webinar series to introduce Risk Rating 2.0. Up to 8 ASFPM CFM CECs are available by attending all four parts.

The four training sessions are listed below, each offering 2 CFM CECs upon completion: 
  • Risk Rating 2.0 Fundamentals 
  • Rating methodology 1—Premium calculation variables 
  • Rating methodology 2—Mitigation credits and other variables 
  • Rating Methodology 3—Transition of policies, use cases, and rating examples

It is recommended, but not required, to take the training sessions in the order listed.
 
When: Every Wednesday, beginning August 18 through November 3
Time: 1:00pm – 3:00 pm
Where: You can attend these webinars at this Zoom link:
Meeting ID: 161-1208-9704
Passcode: 127630 

There is no registration requirement for these training sessions, but the room size is limited to the first 350 participants for each session. If you are unable to attend a session, please try again with the next offering of that session.  Schedule of training sessions below: 

  • August 18: Fundamentals 
  • August 25: Methodology 1, Premium calculation variables 
  • September 1: Methodology 2, Mitigation credits and other variables 
  • September 8: Methodology 3, Transition of policies, use cases, and examples 

  • September 15: Fundamentals 
  • September 22: Methodology 1, Premium calculation variables 
  • September 29: Methodology 2, Mitigation credits and other variables 
  • October 6: Methodology 3, Transition of policies, use cases, and examples 

  • October 13: Fundamentals 
  • October 20: Methodology 1, Premium calculation variables 
  • October 27: Methodology 2, Mitigation credits and other variables 
  • November 3: Methodology 3, Transition of policies, use cases, and examples 


BRIC & FMA WEBINAR SERIES
The 2021 Building Resilient Infrastructure and Communities (BRIC) and Flood Mitigation Assistance (FMA) Webinar Series will run through October 13, 2021. The webinars are designed for state and local officials, as well as private sector entities and non-profit organizations, interested in learning more about these grant programs and strategies for how to apply for them. Register here for the webinars listed below. All webinars are held from 2:00-3:30pm.

August 16, 2021: BRIC & FMA FY 2020 Data and Trends
August 18, 2021: Where Equity Fits into the BRIC/FMA Programs
August 24, 2021: Severe Repetitive Loss Loss Mitigation Priorities
August 26, 2021: Notice of Funding Opportunity for 2021 HMA Grants Webinar #2
September 1, 2021: HMA Grants Application Pitfalls #1
September 8, 2021: BRIC FY2021 NOFO Technical & Qualitative Criteria
September 13, 2021: NOFO for 2021 HMA Grants for Tribal Applicants
September 20, 2021: HMA Grants Application Pitfalls #2
October 13, 2021: Federal Agency Roundtable and Partnerships


BUILDING I-CODE & NFIP TRAINING
FEMA Region 1 will be hosting a free virtual training on the 2015/2018 International Codes and the NFIP on August 31, 2021 , 9:00am-11:00am. The course will cover changes from the 2015 to the 2018 I-Codes in relation to the NFIP and review the NFIP provisions in the 2015 I-Codes. The target audience is local floodplain administrators, planners, code professionals, and other interested parties. Two (2) CECs from ICC or ASFPM are available for attendees. Register here for this training.


RESILIENT NATION PARTNERSHIP NETWORK (RNPN) - RESILIENCE EXCHANGE WEBINARS
Click on the links below to register for the upcoming webinars.



SOAK UP THE RAIN NEW ENGLAND WEBINAR SERIES
Soak Up the Rain is a U.S. EPA stormwater public outreach and education program to raise awareness about the costly impacts of polluted stormwater runoff and encourage compliance with stormwater rules and requirements through nature-based solutions such as green infrastructure and low impact development. Click on the link below to register. To view watch recordings of past webinars, visit their webinar archive.



NATURAL HAZARDS CENTER
The Natural Hazards Center, posts past webinar recordings on its website.  


EXPLORING CLIMATE SOLUTIONS WEBINAR SERIES
Past webinar recordings are posted on the CTDEEP Climate Change website.


CIRCA RESEARCH WEBINAR SERIES JUNE 2021
Recordings of nine webinars from the June 2021 research webinar series are posted on the Connecticut Institute for Resilience and Climate Adaptation (CIRCA) YouTube channel.


ASSOCIATION OF STATE FLOODPLAIN MANAGERS (ASFPM)
The ASFPM Training and Knowledge Center offers webinars and an online university as a professional development resource for floodplain management professionals. 


CENTER FOR LAND USE EDUCATION & RESEARCH (CLEAR)


VIDEOS
This 15 minute educational video from Adapt CT highlights flooding scenarios within our state along with the social and economic impacts of flooding, and opportunities for mitigation. The video aims to increase the knowledge base of municipal officials to make informed decisions and effective choices supporting resilience. The general public and other stakeholders will also find the video valuable. 

This 13 minute educational video from Adapt CT highlights the effects of climate change in our state. The video aims to increase the knowledge base of municipal officials to make informed decisions and effective choices supporting resilience. The general public and other stakeholders will also find the video valuable.

This 18 minute educational video from Adapt CT, entitled Drowning in Liability: Reducing climate change impacts through municipal planning and zoning, aims to help viewers recognize the planning and zoning interests related to flooding, describes actions that can reduce liability related to planning and zoning decisions, and identifies key resources for further information. The video illustrates the causes of flooding and what has and can been done to protect Connecticut residents, property, and natural resources from its devastating impacts. The video also discusses “takings” and identifies multiple court cases to enhance understanding.

This 7 minute video from NASA's Goddard Space Flight Center, "Rising Waters" series, discusses high tide flooding, also known as sunny day or nuisance flooding, that is occurring as a result of sea level rise.  Sea level rise is often spoken of in future terms, including projections for impacts we're likely to see by the end of the century. But in many communities in the U.S., sea level rise is already a factor in people's lives in the form of high-tide flooding.  The video visits Annapolis, Maryland that has seen a dramatic increase in floods in recent years. Waters sometimes breach flood walls, or more often, back up through storm sewers to flood nearby streets. 

This 5 minute video highlights how the U.S. Naval Submarine Base is an outstanding example of preparedness and shows some of the actions they have taken include elevating equipment and materials, using floodgates and having a plan of action in order to be more flood resistant.

This 5 minute video highlights a local full-service marina and boat repair business which has implemented a variety of actions to protect the environment and be more flood resistant, including a daily walk-through and connecting with local emergency responders. 

This 25 minute video will show how to make your business resilient to natural hazards, reduce property damage, environmental contamination and liability. This video will help businesses that use chemicals in their process, sell chemicals and store hazardous waste onsite, including retail stores and service providers. It offers steps businesses can take to reduce risks and keep your business operating, especially those in flood prone areas.  This video is also available as a training course.


COASTAL STATES ORGANIZATION (CSO)
Past webinar recordings can be found by clicking here. You can also sign up for their newsletter.


ENVIRONMENTAL BUSINESS COUNCIL (EBC) NEW ENGLAND
Click on the links below to register for these webinars and check EBC's events calendar for webinars and other events scheduled for the remainder of 2021 or view past presentations.



TRAINING FOR MUNICIPAL INLAND WETLAND AGENTS
Visit the CTDEEP inland wetlands agents training webpage to access the comprehensive online training program, continuing education workshops, archived training material, training videos, and newsletter for municipal inland wetland agents. Also visit the Association of State Wetland Managers (ASWM) webpage for past and upcoming webinars and trainings.


NOAA DIGITAL COAST VIRTUAL LEARNING
The National Oceanic and Atmospheric Administration's (NOAA) Digital Coast has a suite of recorded webinars, trainings, and educational videos on various coastal zone management topics which are great for virtual learning. Also check out their training calendar for online instructor-led training offerings and webinars.


FLOODPROOFING.COM

  • National Flood Insurance Outreach: Cut Your Insurance Costs! (November 16)
  • Helping Realtors Sell Homes in Flood Zones (September 8, October 13, November 10, December 6)
  • Surveyor Flood Training (August 23, December 9)
  • Floodplain Design, Construction and Impacts on Flood Insurance (August 18, August 26, September 15, October 20, November 17, December 8)
  • The Advancements of Window Systems and Specialty Oversized Impact and Fire Rated Windows and Skylights (August 25, September 22, October 27, Dec. 7)
  • Active and Passive Floodproofing for Non-Residential Building in the Special Flood Hazard Area (September 23, December 10)


CONFERENCES



October 19-20, 2021: 2021 Living Shoreline Tech Transfer Workshop, Cape May, NJ.


September 17-20, 2022: Northeastern Transportation and Wildlife Virtual Conference, Atlantic City, NJ.



FEMA EMERGENCY MANAGEMENT INSTITUTE
The Emergency Management Institute (EMI) is located at the Federal Emergency Management Agency (FEMA) National Emergency Training Center (NETC) in Emmitsburg, Maryland. EMI serves as the national center for emergency management training of federal, state and local government officials. Tuition, housing, and all books and materials are provided at no cost. Participants are responsible for the cost of a meal pass (approximately $120/week).  Please note all employees, contractors, visitors and students, regardless of vaccination status, are required to wear a mask inside all EMI buildings. EMI continues to monitor the Centers for Disease Control and Prevention COVID-19 guidance and will provide regular updates to students. Below is a select list of floodplain management classes offered into mid-2022.  A full list of training classes and how to apply for admission can be found at the EMI website.    

E177 Advanced HAZUS - September 13-16, 2021
E190 ArcGIS for Emergency Managers - October 25-28, 2021, January 24-27, 2022, June 13-16, 2022
E212 Unified Hazard Mitigation Assistance Program: Developing Quality Application Elements - April 11-14, 2022
E213 Hazard Mitigation Assistance Program: Application Review and Evaluation - September 27-28, 2021, July 18-19, 2022 
E214 Unified Hazard Mitigation Assistance Program: Project Implementation and Programmatic Closeout - September 29-30, 2021, July 20-21, 2022
E273 Managing Floodplain Development through the NFIP - August 30-Sept. 2, 2021, November 29- December 2, 2021, January 10-13, 2022, April 4-7, 2022, June 27-30, 2022, July 25-28, 2022
E278 Community Rating System (CRS) -  February 28-March 3, 2022, August 22-25, 2022
E279 Retrofitting Flood-prone Residential Buildings - May 9-12, 2022
E312 Fundamentals of Building Science - September 20-23, 2021, July 11-14, 2022
E313 Basic HAZUS-MH -  August 30-September 2, 2021
E317 Comprehensive Data Management for HAZUS-MH - September 20-23, 2021
E386 Residential Coastal Construction -  October 4-7, 2021, April 25-28, 2022
   
EMI also offers free Independent Study courses on various aspects of the NFIP aimed at community officials, surveyors, insurance agents, and claims adjusters. These web-based courses are offered at no cost and can be taken at your own pace. Below is a sample of courses available. Independent study courses are also available for other topics in emergency management, hazard mitigation planning, disaster response and dam safety.  

IS-10.a   Animals in Disasters: Awareness & Preparedness
IS-11.a   Animals in Disasters: Community Planning
IS-21.21  Civil Rights and FEMA Disaster Assistance
IS-30.b   Mitigation eGrants System for the Subgrant Applicant
IS-42    Social Media in Emergency Management
IS-111.a  Livestock in Disasters
IS-212.b  Introduction to Unified Hazard Mitigation Assistance (HMA)
IS-230.d  Fundamentals of Emergency Management
IS-251.a  Integrated Public Alert and Warning System (IPAWS) for Alerting Administrators 
IS-271.a  Anticipating Hazardous Weather and Community Risk
IS-273   How to Read a Flood Insurance Rate Map (FIRM)
IS-274   How to Read a Flood Insurance Study (FIS)
IS-276.a  Benefit-Cost Analysis (BCA) Fundamentals
IS-277.a  Benefit-Cost Analysis (BCA): Entry Level
IS-279.a  Introduction to Retrofitting Flood-prone Residential Structures
IS-280   Overview: Engineering Principles & Practices for Retrofitting Flood-prone Residential Structures
IS-284.a  Using the Substantial Damage Estimator 3.0 Tool
IS-285   Substantial Damage Estimator for the Floodplain Administrator
IS-318   Mitigation Planning for Local and Tribal Communities
IS-324.a  Community Hurricane Preparedness
IS-366.a  Planning for the Needs of Children in Disasters
IS-386   Introduction to Residential Coastal Construction
IS-393.a  Introduction to Hazard Mitigation
IS-394.a Protecting Your Home or Small Business From Disaster
IS-552   The Public Works Role in Emergency Management 
IS-554   Emergency Planning for Public Works
IS-556   Damage Assessment for Public Works
IS-558   Public Works and Disaster Recovery
IS-559   Local Damage Assessment
IS-632a  Introduction to Debris Operations
IS-633   Debris Management Plan Development
IS-634   Introduction to FEMA's Public Assistance Program
IS-727   Floodplain Management and Protection of Wetlands
IS-922   Applications of GIS for Emergency Management
IS-1100.a Increased Cost of Compliance
IS-1101.b Basic Agent Tutorial
IS-1102  Theory of Elevation Rating
IS-1103.a Elevation Certificate for Surveyors
IS-1104    NFIP Claims Review for Adjusters
IS-1105.a EC Made Easy: Elevation Certificate Overview
IS-1106.a FEMA Mapping Changes
IS-1107    Adjuster Customer Service
IS-1108  Insuring Condominiums
IS-1109.a  Understanding Basement Coverage
IS-1110.a Writing Commercial Exposures
IS-1111  Introduction to Commercial Claims
IS-1112  Introduction to Flood Claims
IS-1113  Coastal Barrier Resources Act
IS-1117   Severe Repetitive Loss for Agents
S-1119   Letters of Map Amendment (LOMA) & Letters of Map Revision Based on Fill (LOMR-F)
IS-1120    Letters of Map Revision (LOMR)
IS-2001   Threat and Hazard Identification Risk Assessment (THIRA)
IS-2901   Introduction to Community Lifelines
Visit the DEEP website at www.ct.gov/deep. Published by the Connecticut Department of Energy and Environmental Protection, Bureau of Water Protection and Land Reuse, Land and Water Resources Division. Editor: Diane Ifkovic, State National Flood Insurance Program (NFIP) Coordinator, email: diane.ifkovic@ct.gov. View past issues of The Torrent, and other DEEP newsletters at the DEEP newsletter archive webpage or subscribe to other DEEP newsletters and publications.
The Connecticut Department of Energy & Environmental Protection is an Affirmative Action and Equal Opportunity Employer that is committed to complying with the requirements of the Americans with Disabilities Act (ADA). Please contact us at (860) 418-5910 or deep.accommodations@ct.gov if you; have a disability and need a communication aid or service; have limited proficiency in English and may need information in another language; or if you wish to file an ADA or Title VI discrimination complaint.