The document discusses Milford, CT's steps to integrate risk and resiliency into local planning based on FEMA's 4 core steps for hazard mitigation plan implementation. It summarizes Step 1 as forming partnerships between various city departments and agencies. Step 2 involves assessing risks such as flood zones, number of flood policies, and average premiums paid. Step 3 is to develop a mitigation plan by involving stakeholders and keeping risks as a focus. Step 4 is to implement the plan by applying for funding, preparing officials for costs, and committing future resources to mitigation efforts.

1. Integrating Risk and Resiliency into Local Planning - Milford, CT

2. Converting FEMA’s 4 Core Steps to
Local Hazard Mitigation Plan Implementation

3. Step 1: Organize Resources – Forming Beneficial Partnerships and Developing Communication Channels
•GIS Mapping
•Fire Department/Emergency Management
•Public Works:
•Stormwater Management
•Waste Water Treatment
•Police Department
•Community Development
•Chief Elected Official’s Office
•Inland Wetlands
•Planning & Zoning

4. Step 2: Assess Risks
Understanding Financial
Risks and Structural
Vulnerabilities allows for an
understanding of where
future funds and resources
can be directed.
Hazard Mitigation Plan =
Future grant document.
For example – Flood
Protection for Waste Water
Treatment Facilities &
Pump Stations

5. •4,200 flood zone parcels
•3,000 NFIP policies
•$3.1 million/premiums paid annually
•$1,052 per household average
•$1,343 per household average in SFHA
National Flood Insurance Program

6. Step 3:
Develop a Mitigation Plan
Collect the right people in the room and keep them talking to each other.
Mitigation is LONG RANGE planning.
Keep risks in FOCUS.

7. Step 4: Implement Plan and Monitor Progress
Groin Replacement
CDBG-DR
Infrastructure Grant
Gulf Beach,
Milford, CT
Apply for mitigation funding
Prepare elected officials for mitigation effort cost shares.
Commit future resources for mitigation efforts

8. www.ShoreUpCT.org
State of Connecticut Resiliency Efforts:
Shoreline Resiliency Fund

9. 9
Low Interest/Short Term Construction Loan Program
•15 Year Term
•2.75% interest rate (2.895% APR*)
•1% origination fee
•Borrow minimum $10,000 to maximum $300,000
•No monthly principal or interest payments for the first 12 months
*APR is based on Loan Amount of $125,000 - 168 payments of $897.29

10. 10
Shoreline Resiliency Fund aka Shore Up CT
•October 2013 – CT Legislature approved $25 million in funding.
•January 2014 -Housing Development Fund Selected as Fund Manager and awarded $2 million start up funds.
•July 28, 2014 – Shore Up Program Launch
•August 2014 -$3 million released by the Bond Commission

11. 11
Location Eligibility:
VE or AE Flood Zone Properties

12. 12
Eligible Properties
•Primary and secondary single family homes, 1-4 unit owner-occupied rentals
•Businesses with 100 or less employees in good standing with all applicable state regulatory agencies

13. 13
Residential Project Requirements
•Higher Standard - Elevation to the 500 year flood risk height plus at least 1 ft. free board*
*Required for State funds spent in the flood zone
Existing
AE-11
Example:
AE-11 x 1.25 = 13.75
Plus 1 ft = FFE 14.75
Commercial: 100 yr +1 ft. freeboard

14. 14
High Demand
•185+ inquiries/3 months
•45 Pre-qualifications
•1 Refinance Loan approved; closing pending.
•3 Refinance Project Applications under review
•2 CDBG-DR gap funding applications submitted
•HMGP-paired construction loan applications expected as approvals are granted.

15. 15
Website – www.shoreupct.org

16. Future Risk and Resiliency Planning Challenges
Allowing New Development in High Risk Areas

17. Developing Political Strategies for Acquisition and Retreat in Unsustainable Areas.

18. Identify Areas where Public Investment in Infrastructure Improvements are NECESSARY AND UNAVOIDABLE