Flood Resilience Checklist

Knowing your property's flood risk can help you make decisions to protect your property from future damage and recover more easily in the event of a flood. Please note that flooding is still possible outside of the mapped floodplain and that these maps should be used for planning purposes only.

If your property is in a floodplain you will be required to mitigate the impacts of flooding. In Massachusetts the State Building Code is the primary tool used to protect structures from flood damage and mitigate the impacts of flooding. The State is on its 9th Edition CMR 780 and went into effect in 2017. Local governments enforce the State Building code through permitting.

Building code flood protection requirements apply only in the Special Flood Hazard Areas (SFHA) identified in FEMA FIRMs, which represent the area with a 1% chance annual flood area.

Compliance with the Building Code is required for new construction as well as "substantial repair/ improvement".

The Massachusetts Building Code 9th Edition- Residential Code requires the following in the floodplain:

• The FIRM or Flood Hazard Bound a r y Map determines Base Flood Elevation (BFE).
• Design Flood Elevation (DFE) is calculated for the following flood zones: AO Zones is the highest adjacent grade, plus flood depth plus one foot OR highest  adjacent  grade  plus three feet if no flood depth is specified; A  zones  is base  flood  elevation  (BFE)  plus one foot; V zones is BFE plus two feet. (See section R322.1.4 of Massachusetts Building Code).
• The "Lowest floor" includes enclosed areas such as basements, but excludes and "unfinished, flood resistant" enclosure used solely for parking, storage, or building access (R322.1.5). Unfinished areas below the DFE must include flood openings.
• Electrical, plumbing, and mechanical equipment must be protected by being located at or above the elevated levels specified in the code (R322.1.6).
• Substantial repair (50%+) of a foundation counts as substantial repair of a structure and will require compliance with the building.

In addition to the requirements in the Building Code, you may consider additional resilience measures:

• Increase freeboard above the predicted flood plain By elevating your home, this allows for uncertain and changing flood depths, and will provide savings on flood insurance.
• Strengthen key parts of your property including the roof and foundation to withstand storm impacts such as wind and flooding.
• Elevate or relocate mechanical and electrical.
• Consider back-up sources of electricity in the event of an outrage, such as a generator or solar+.

1 The Ninth Edition CMR is based off amendments to the 2015 International Code Council (ICC) base codes.

2 Substantial improvement occurs when a building improvement including reconstruction, rehabilitation, and additions for which costs are equal to 50% or more of the market value of the property before construction

The City of Revere participates in the National Flood Insurance Program (NFIP) with 2,237 policies in force as of July 2, 2021. This program is administrated by the U.S. Federal Emergency Management Agency (FEMA) and allows property owners, renters, and businesses to purchase flood insurance and receive assistance following flood events.

As defined by FEMA, a repetitive loss property is any property for which the NFIP has paid two or more flood claims of $1,000 or more in any given 10-year period since 1978. There are 598 repetitive loss structures in Revere, the majority of which are single-family homes, although flooding in Revere has impacted many multi-family and several commercial structures. These repetitive loss properties had a total of 904 losses between 1978 and 2021, totaling over $8 million in damages.3

The  City complies with the National Flood Insurance Program (NFIP) by enforcing floodplain regulations, maintaining up-to-date floodplain maps, and providing information  to  property owners and builders regarding floodplains and building requirements. However, given that FIRM maps are based on historical storms and current conditions, they do not account for expected increases in sea level rise and more extreme storm events. Therefore, taking action to improve the ability to withstand the impacts of climate change and extreme weather is an important step toward significantly lowering risk and helping to create a more resilient community.

For more information:

• National Flood Insurance Program Official Site
  

Base Flood Elevation (BFE): Is the minimum elevation of the lowest floor of a building, which is determined by the water elevation above base sea level during a 1% annual chance flood event (designated on FEMA flood maps)..

Design Flood Elevation (DFE): Defined by FEMA as the height of the lowest occupied floor, this consists of the Base Flood Elevation plus the required freeboard.

Freeboard: Additional elevation required above the Base Flood Elevation to provide a safety buffer between the flood level and lowest occupied floor (i.e. the distance between Base Flood Elevation and Design Flood Elevation).

Federal Emergency Management Agency {FEMA): The Federal agency in charge of responding to natural and man-made disasters. The agency also manages the National Flood Insurance Program (NFIP) and issues flood maps.

Flood Insurance Rate Maps (FIRM): Maps produced by FEMA showing flood risk and depths based on existing and historic flood data. FIRMs do not include expected flooding due to projections of Sea Level Rise or other climate change impacts. FEMA Flood Map Service Center: https://msc.fema.gov/portaI/ home

Moderate Flood Hazard Areas: The designated floodplain in the FIRMs representing the 0.2% (1 in 500) chance annual flood risk.

National Flood Insurance Program (NFIP): Managed by FEMA, this national insurance program provides flood insurance coverage for buildings and contents, such as personal belongings.

Property owners are required to purchase flood insurance if their property falls within the SFHA FEMA floodplain.

Sea Level Rise (SLR): Sea level rise is the amount that the ocean elevation will increase due to climate change. The amount of SLR projected is based on different greenhouse gas emissions scenarios, due in part to the degree that polar ice caps melt. Sea Level Rise rates are also impacted by local topography and land subsidence.

Substantial Improvement: According to the building code, a building improvement including reconstruction, rehabilitation, and additions for which costs are equal to 50% or more of the market value of the property before construction.

Special Flood Hazard Area (SFHA): The designated floodplain in the FIRMs representing the 1% chance annual flood risk. The SFHA is considered a high-risk flood area delineated on the map as zones A or V.

100-Year Flood: A colloquial term for the SFHA to represent the 1 % (1 in 100) chance of flooding annually. The 1% chance annual flood is what is used for the FEMA special flood hazard area.