Ocean City Fears Effect of Christie's Flood Map Announcement
The new maps create a grim choice for many property owners.
In what many shore property owners are calling a "death warrant," Gov. Chris Christie announced Thursday that New Jersey will adopt the Federal Emergency Management's (FEMA) Advisory Base Flood Elevation maps.
Christie's intent: to give owners whose homes were destroyed by Superstorm Sandy the guidance necessary to rebuild their homes without further delay.
The maps determine how high property owners must build to be safe from the floods and waves of the worst possible storms.
But the net effect in Ocean City is quite different: on the new maps, many homes have been moved into "V Zones," the most dangerous "velocity zones" where homes could be damaged by ocean waves of at least three feet.
These owners now face two grim choices: pay huge sums to elevate homes that suffered only minor damage ... or pay huge sums in annual flood insurance premiums because their homes are below base flood elevation.
The maps had carried the label "advisory" because they were just that: preliminary estimates of what the final maps might look like. FEMA officials had signaled that advisory maps did not take into account many of the factors that would mitigate floods, and that the final maps would include lower elevations and smaller "V Zones."
If nothing else, Christie's announcement caused confusion.
City Council voted unanimously on Thursday to table an ordinance that would have allowed residential properties fronting the Boardwalk to measure height restrictions in the same way as other residential properties — measuring from the new base flood elevation map (plus two feet).
With the new maps dramatically increasing base flood elevations in some cases, the overall height of Boardwalk properties could be significantly higher.
"We are reviewing a rapidly developing situation," Business Administrator Mike Dattilo said in discussing the proposed ordinance. "I don't want to speculate about all the implications of this."
Council ultimately decided to wait for more information on Christie's announcement before deciding anything about requirements contingent on base flood elevation.
Speculating on the potential choice of a homeowner paying as much as $31,000 annually for flood insurance or paying to raise or rebuild a home, Councilman Scott Ping said he worries that "the shore will become even more elitist" as working-class and middle-class families move off-island to places they can afford.
Mayor Jay Gillian said he worried about seniors.
"This is their livelihood," Gillian said. "Homes are where everyone's money is."
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The following are resources on the "Advisory Base Flood Elevations" from FEMA:
Wizard
7:05 am on Friday, January 25, 2013
The adoption of these maps by the gov will force people to move off the barrier islands.
paradise lost
7:14 am on Friday, January 25, 2013
This is going to be devastating to the town and so many people. V does not mean victory...it means vamoose.....time to get out of town.
OC Squid
7:53 am on Friday, January 25, 2013
My wife and I purchased an old shore house two months before Sandy. We used up almost our entire savings putting a down payment on this "investment" in the city we love, then the rest of it on renovating. We opted to rehab our little shore house, keeping the feel of the neighborhood, instead of building yet another generic, two family condo like everybody else. Now, after spending all of our money and nearing the end of the rehab, we're hit with this. How many others are in this situation? Now we'll be forced out, at a loss and some builder will probably come in and wipe out everything we've tried to do. They'll buy up houses people cant afford to raise and Ocean City will become an island of condos with no shore personality and no year round residents.
paradise lost
8:57 am on Friday, January 25, 2013
OC Squid.....I feel your pain. We also purchased our home 2 months before Sandy. We have not been able to live in it since the storm hit.
Bob Binder
9:00 am on Friday, January 25, 2013
same here and just looked at the map and we are now in a zonerated V. I had a flood cert elevation done last year and added flood vents to the propoery and my flood ins went from 1500 to 400. At that time I was really excited, if it goes back to 1500 it would not be the end of the world but over 3-4k is a show stopper.
J Hutchins
8:05 am on Friday, January 25, 2013
What about those that were lucky and had no flooding? Do they paint the zones with a wide brush, so they can get into more wallets?
Melissa
8:39 am on Friday, January 25, 2013
This is so sad to me. Our family (both sides!) has vacationed in OCNJ for 5 generations. My Grandparents owned a home there for many years. My Father's Uncle lived and died there, as well as a few other relatives. Ocean City was always our special, magical town. Our home away from home with annual family reunion vacations. The family bench on the boardwalk. Generations of children riding the fire engines and little boats (with REAL water!). Sadly the last few years many of us have not been able to afford to vacation in Ocean City. We have watched with sadness our little small paradise, our magical home away from home morph into something else. Something we can no longer take part in. Something we cannot share with the newest generation of children in our lives. There is a deep sadness and a hole in our souls that generations of something so precious and beloved has to come to an end. We never came to Ocean City for luxury. We came for love and family. The island has certainly changed. The magic has diminished, even if we had the resources. This new development removes any hopes of return.
Gerry Smith
9:06 am on Friday, January 25, 2013
Don't assume. Let the city figure it out.
archie struthers
9:23 am on Friday, January 25, 2013
i'm assuming the concept is that if all the houses get over elevation 11.8 , which I believe is the new elevation 10, that insurance coverage will be available to all at some sort of reasonable price. The extrapolation of Christie's sppeech is that if all the properties are built at the new "minimum" safe height , damage will be mitigated and the insurance companies can't cherry pick just what they want to insure.
Will check back in when they get this fleshed out, but very seldom is there not some wiggle room ( ie grandfathered rights etc ) .
archie struthers
9:28 am on Friday, January 25, 2013
Just a corollary to above, having been around this island and the real estate speculation for a long time , I would urge people who are fearful of this not to sell their homes in a panic. The real regs should be out quicker than usual and a reputable engineer or realtor wouldn't try to scare up business during this time of crisis for many.
Dale Meloni
10:37 am on Friday, January 25, 2013
I can just imagine the licking of chops going on - if people are forced to raise their homes the demand for this service will be much higher and so will the price. The shore, between the cost of flood insurance and the cost to raise your home, will be only for the wealthy. Once again, they'll win. We sacrificed a lot to have a little bungalow at the shore for our kids - we're certainly not rich - and I'm afraid now that we won't be able to retire there as we planned. Very sad for us and for everyone of moderate means. Was the governor thinking of all this when he made this announcement?
Sam stclair
11:04 am on Friday, January 25, 2013
Does anyone know where the "V" zone is located?
Dean Adams
11:24 am on Friday, January 25, 2013
http://www.region2coastal.com/sandy/abfe
Sam, click in the link above and zoom into Ocean City. You will see the proliferation of "V" zones all over the west side of the island.
AC
12:41 pm on Friday, January 25, 2013
Christie exceeds his power with his executive order. Isn't zoning the responsibility of local governments? And if the state does gets involved, shouldn't it be up to the state legislature (where we are represented) and not executive fiat. Christie orders should not be "law", they should interpret law.
By the way, instead of representing his constitutents best interest by fighting the FEMA maps, which FEMA admits are incorrect, he says we must implement them. This will lead to unnecessary costs on many projects (people will have to build at V zone standards, even though shouldn't be in this zone, and probably won't be after further review.) He claims he is helping, but will cause lots of aggravation and add more costs.
The most important reason to fight this overreach is because it sets up the precedent of state zoning of the coastal areas ( is CAFRA citywide coming?) that could have Environmentalist at the DEP stopping construction along the coast.
Sam stclair
1:33 pm on Friday, January 25, 2013
Thanks, Dean; however, the link did not give me a V map for OC or am I not looking at the right part.
Again, thanks.
Jeannette
2:54 pm on Friday, January 25, 2013
Regarding the picture with this story....where was it taken? Thanks. Jeannette in Texas.
paradise lost
2:03 pm on Friday, January 25, 2013
Sam stclair....try this link and input your address...you should be able to view the map for your location.
http://www.region2coastal.com/sandy/table
Dean Adams
2:12 pm on Friday, January 25, 2013
http://fema.maps.arcgis.com/home/webmap/viewer.html?webmap=2f0a884bfb434d76af8c15c26541a545
This is the direct link to the O.C. map, you can zoom in or out as needed.
Shooter
2:39 pm on Friday, January 25, 2013
Take a look at Longport Boro's web site and tell me why this is not happening in OC
Silver Mariposa
6:11 pm on Friday, January 25, 2013
Folks, this is not an Ocean City nor is it a State of New Jersey or Gov. Christie plot against homeowners. The new FEMA maps are prepared by a Federal agency. Flood insurance is a federally backed program and is not required of everyone. It is only required if you have a mortgage that is backed by a federal agency.
Concerned
7:49 am on Saturday, January 26, 2013
Government at it's best! 4 years ago Ocean City's prior administration passes a "NEW" floor area ratio (better known as FAR) zoning ordinance. This ordinance forces homes to be lower to the ground due to "lower overall height requirments". In addition if you wished to have parking under your home, that would be considered a "floor" thereby requiring your 2nd living floor to be considered a 3rd floor which can only be a "dormer floor". Now that many homes were constructed "lower and without garages, and more importantly not in compliance with FEMA Base Flood Elevations people are screwed. FEMA admits to working on these maps for awhile, so when were they going to tell people??? There are new homes under construction in Ocean City at this very time that will not be compliant upon completion?
Gsieri Builders
11:52 am on Thursday, February 7, 2013
As a builder and a local homeowner I've spent endless hours with FEMA unerstanding the literature of grants and timelines offered. The house raising and flood elevations are a subject that wont be finalized for months to come. Hopefully we can have patience as Ocean City residents and be optimistic I know its tough financially and mentally Good Luck Everyone!
Gsieri Builders
5:39 pm on Thursday, February 7, 2013
Lets Rebuild together