HomeMy WebLinkAboutCAHOON PROPOSALProposal for the
City of La Porte
Comm
unity Rating System
CAHOON CONSUL'
Proposal for the City of La Porte Community Rating System
INTRODUCTION
The City of La Porte (City) joined the Community Rating System (CRS) program in 9999. The
initial application resulted in the City receiving a class 8 rating. Effective October 1, 2013, the
rating was improved to a class 7 which translated to a 15% discount on flood insurance
premiums for citizens located inside the floodplain, and some areas outside of the floodplain
(excluding Preferred Risk Policy areas) receive a 5% discount. The table below shows the
current total savings of citizens as a result of the City's participation in the CRS (data current as
of March 27, 2015).
TOTAL
SFHA*
X-5TD**
PRP***
Premiums in Force
4,917
1,047
243
3,627
Class
Premium
$2,871,471
$1,0003977
$374,080
$13496,414
Average Premium
$584
$956
$1,539
$413
9
Per Policy
$16
$56
$81
$0
(5%/5%)
500-999
Per Community
$782570
$58,881
$19,688
$0
8
Per Policy
$28
$112
$81
$0
(10%/5%)
13000-1,499
Per Community
$1375450
$117,761
$19,688
$0
7
Per Policy
$40
$169
$81
$0
(15%/5%)
1,500-1,999
Per Community
$1962331
$176,643
$19,688
$0
6
Per Policy
$56
$225
$162
$0
(20%no%)
21000-2,499
Per Community
$2742900
$235,524
$39 377
$0
5
(25%/10%)
21500-21999
Per Policy
$68
$281
$162
$0
Per Community
$333,781
$294,404
$39,377
$0
4
Per Policy
$80
$337
$162
$0
(30%/10%)
31000-31499
Per Community
$392,662
$3532285
$392377
$0
3
Per Policy
$92
$394
$162
$0
(35%/10%)
3,500-31999
Per Community
$4513543
$4123166
$39,377
$0
2
Per Policy
$104
$450
$162
$0
(40%/10%)
41000-41499
Per Community
$510,423
$4172046
$392377
$0
1
Per Policy
$116
$506
$162
$0
(45%/10%)
4,500+
Per Community
$56933041
$529,9281
$39,377
$0
'Special Flood Hazard Area, or 100-year floodplam
'*Standard X-zone. policy (e.g., structures in the X zone or shaded X zone that have suffered losses, making them ineligible to maintain the PRP
Policy)
*"The Preferred Risk Policy does not receive premium rate credits under the CRS because it already has a lowerpremium than other policies.
Proposal for the City of La Porte Community Rating System
CRS TRANSITION
When the City initially came into the CRS program, it fell under the requirements of an earlier
edition of the CRS Coordinator's Manual (Manual). In the summer of 2013, a revised Manual
took effect following the completion of a major update to the CRS program. All participating CRS
communities approaching their reverification cycle or wishing to make a modification to improve
their classes will have to meet the updated requirements as stipulated in the revised 2013
Manual.
In some cases, the difference in the two manuals makes it difficult to compare the City's earned
points, as some activities increased the available credit and some points were decreased in
other areas. For instance, in Activity 320 in the previous Manual, the City received the maximum
140 points for providing map information to inquirers. The same activity in the 2013 Manual now
includes additional elements but for a lower maximum of only 90 points. This means that the
City will have to make up those 50 points in another activity. There are several activities in the
new Manual that have fluctuated in points (both increases and decreases), have moved to a
different section, or are brand new to the program. More effort will be required to maintain the
current class 7 rating and additional effort if the City wishes to improve to a class 6 rating.
METHODOLOGY AND COST ESTIMATE —Revised June 24, 2016
In June of 2016, the City received communication from Scott Cofoid, ISO CRS representative
who will be conducting the 2016 CRS cycle visit. Scott suggested a Documentation Submittal
Schedule for the purpose of planning and dividing the activities into a more manageable
submittal process. The idea of the schedule is to piecemeal one activity per week in order to
make the actual cycle visit day as easy as possible. As mentioned, the schedule is suggested,
and efforts can be made to combine documentation for activities not listed or to skip ahead in
the process. Cahoon Consulting will coordinate with City staff to meet the deadlines of the
Documentation Submittal Schedule (below) as suggested by ISO.
Week of:
Suggested Submittal
July 25, 2016
Activity
310
(Elevation Certificates) documentation
August 1, 2016
Activity
Activity
501
510
(Repetitive Loss) documentation &
(Floodplain Management Plan) documentation
August 8, 2016
Activity
540
(Drainage System Maintenance) documentation
August 15, 2016
Activity
420
(Open Space Preservation) documentation
August 22, 2016
Activity
430
(Higher Regulatory Standards) documentation
August 29, 2016
Activity
330
(Outreach Projects) documentation
September 5, 2016
Activity
320
(Map Information) documentation
September 12, 2016
Activity
450
(Stormwater Management) documentation
September 26, 2016
Wednesday, September 28, 2016, 9:00 am
Cycle Verification Visit
CAHOON CONSULTING
Proposal for the City of La Porte Community Rating System
The Consultant will work with the appropriate City staff to examine and exhaust every feasible
point from each activity until the desired goal is met. The Consultant will be able to estimate an
achievable class rating once the project is underway; however, because all documentation is
evaluated by a third party and is subject to individual review, a specific class rating cannot be
guaranteed by the Consultant.
Cahoon Consulting proposes a cost estimate of $14,500 to assist the City in transitioning to the
2013 CRS Coordinator's Manual for the purpose of maintaining the current class 7 and/or
making a class improvement. This estimate is based on the number of hours projected to
complete the tasks associated with each activity. The overall project will consist of strategic
collaboration with City staff in various departments such as, but not limited to, the Planning and
Development Department, Public Works Department, and Emergency Management Office. As
previously mentioned, the Consultant cannot extend a guarantee that the City will achieve a
class 6 or better rating, as the evaluation and scoring are performed by another entity subject to
individual reviewer evaluation; however, the Consultant pledges to assist the City in every
possible effort in order to achieve its desired goal.
Approval by signature and date:
Corby A xander, City Manager
City of La /Porte
Debbie Vascik, President
Cahoon Consulting
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