Stop FEMA Now

FEMA is providing Ocean County communities the “opportunity” to adopt the 2015 Preliminary flood maps. 

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Brick, NJ – 1,372 homes to be added into the flood zone (+20%)

Toms River, NJ – 628 homes to be added into the flood zone (+5%)

Point Pleasant – 658 homes to be added into the flood zone (+25%)

(Click on pictures below to see how your community will be affected).

If these maps are not voluntarily adopted then the “restudy” of the maps will be completed by 2022 and implemented in 2024.  (For the record, these maps will be ready 12 years after Superstorm Sandy, at the earliest).

We urge anyone who will be added into the flood plain to purchase cheaper “PRP” flood policies now, before you are officially mapped into a flood zone.  This will keep your premiums lower as they eventually rise to the actuarial rate.

Click on Documents below for additional information.

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30% Discount on Flood Insurance Premiums for Ocean City residents, saving $3.2 million a year!

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Congratulations to the elected officials for achieving the 30% discount and striving to obtain a higher discount.  

How much is the flood insurance discount, if any, in your town?  Urge your elected officials to not only join the CRS program but to obtain high discounts!

Read the full story by reading below

“Ocean City has achieved Class 4 in the National Flood Insurance Program’s Community Rating System (CRS). 

According to a release, the designation means all NFIP policyholders with compliant structures in Ocean City will receive a 30 percent discount on their flood insurance.

The CRS program rewards towns that take action to make properties less vulnerable to flooding. The new rating means Ocean City’s 16,729 policyholders will collectively save $3,292,113 every year – an average savings of about $192 per participating home. Any policy that renews after May 1, 2020 will see the savings. 

A team of city employees, community members, and outside experts is already at work on actions that could lead to a Class 3 rating, which would deliver another 5 percent savings. 

The CRS program is designed to encourage building regulations, flood protection measures, educational efforts and other activities to reduce the potential risk of flood damage. Ocean City owners together pay a total of $10,973,710 in insurance premiums protecting more than $4 billion worth of property. 

Only three New Jersey communities have achieved Class 4 or better.”

https://www.capemaycountyherald.com/news/government/article_67519d02-2136-11ea-9b5c-8b0d75a4aa2e.html

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Babylon, NY – “Stop 18%-25% Flood Insurance Increases”

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Babylon NY Town Supervisor Rich Schaffer has expressed serious concern about the current house legislation that will increase Flood Premiums to unsustainable levels.

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Babylon, NY joins 12 other cities and counties from New Jersey and Florida who are banding together to keep flood insurance affordable.

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Read the full resolution by clicking on the picture below.

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StopFemaNow and all our Coalition Members want to thank Town Supervisor Rich Schaffer for not only for fighting to keep flood insurance affordable for Babylon residents, but for the 5 million flood policyholders across these United States.

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We now have 12 Resolutions from Mayors, Cities and Counties in Florida and New Jersey.

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More Resolutions are coming.  When is your town getting involved? 

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Please call or email your mayor, send them this resolution, and ask them also pass a similar resolution. Then send it Babylon, NY – “Stop 18% – 25% Flood Insurance Increases”to us, we will share!

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Click here to view the current Resolutions http://www.stopfemanow.com/town-resolutions-to-stop-flood-insurance-increases/

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Please join us;

www.facebook.com/groups/stopfemanownj (Join our interactive Facebook Group)

www.facebook.com/stopfemanow (LIKE our Facebook Page)

www.twitter.com/stopfemanow ( Follow us on Twitter)

www.linkedin.com/stopfemanow ( Connect with us at Linked In)

www.youtube.com/stopfemanow (View our videos on You Tube)

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Risk Rating 2.0 Delayed until 2021. What’s Next?

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FEMA is delaying implementation of  Risk Rating 2.0 for another year, starting October 2021 .

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“This prevents potential increases in flood insurance premiums,” U.S. Sen. Bill Cassidy, R-La., said in a news release. 

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FEMA’s plan aims to bring insurance costs more in line with the actual risk of flooding. Proponents have argued for years that such changes are necessary to both discourage people from living in flood-prone areas and to cut the program’s debt to U.S. taxpayers, estimated at more than $20 billion.

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In the short term, what has changed?  NOTHING. 

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Risk Rating 2.0 will affect the “actuarial rate” of the home. 

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About 1 million pre-firm homes, won’t reach their actuarial rate for several years.  The delayed implementation of  Risk Rating 2.0 won’t affect most of these homes for a few years.  The spreadsheet below labeled ‘Flood Premium Increases’ shows how the phase out of subsidies will affect their premiums.

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In the short term we should be focusing on current NFIP Reauthorization legislation.

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Subsidies are still being phased out, and premiums will continue to rise;

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Primary Homes – up to 18% yearly increases until the home reaches it’s actuarial rate.

Second Homes – up to 25% yearly increases until the home reaches it’s actuarial rate.

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Our immediate short term goal should be to contact our Congressmen and Senators and have them vote for the NFIP RE Flood Insurance Bill that will cap premium increases to 9%.  

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There is another bill that will continue the 18%-25% increases, the Maxine Waters bill, which is being fast tracked through the House of Representatives.  

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You can cut and paste the your congressman and senators information here.  http://www.stopfemanow.com/these-senators-and-congressman-are-voting-for-25-flood-premium-increases-call-email-and-tweet-them/

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How to Lower Your Flood Insurance Premium – this Saturday, 10am. Sea Bright, NJ

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If your flood premium is more than $1,000 a year, you are probably being overcharged.

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We will discuss how you can lower your flood insurance premium. 

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Continental Breakfast will be served. This event is Free. 

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All are invited, bring a flood zone friend. 

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When : Saturday, November 16, 2019 at 10 AM

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Where: Donovan’s Reef 1171 Ocean Ave., Sea Bright, NJ 07760

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