Read the 2012 newsletter

December 2012
December 2012
Flood
December 2012
Flood Awareness:
Awareness:
Flood Shoreview
Awareness:and
North
North
Shoreview
and North
North Central
Central
City
of
Mateo,
of
North
Shoreview
and North Central
City
of San
San
Mateo, Department
Department
of Public
Public Works
Works
Flood Awareness Newsletter
Periodically, the City team will issue newsletters to
update residents of North Shoreview and North Central on future efforts to build flood protection projects
that will directly benefit your neighborhood.
Public Works
City Hall
330 W. 20th Avenue
San Mateo, CA 94403
Same “High Risk” Zone, but New Panel
If you need your new panel number for your insurance
agent, please visit www.cityofsanmateo.org/mystreet.
Phone:
650.522.7300
E-mail:
publicworks@cityofsanmateo.org
North Shoreview 和North Central的居民：請閱讀！
内含有關洪水的重要信息。
Residents of North Shoreview and North Central:
Please Read! Important Flood Information Enclosed.
Please read! Important Flood Information Enclosed.
Residents of North Shoreview and North Central: Please Read!
Line
in
Spanish
Favor
de
leer!
Información
importante
acerca de Inundaciones
Important
Flood
Information
Enclosed.
incluída.
Line in Chinese
Mail Panel
Please don’t hesitate to contact us
if you have any questions!
City Logo and Address
5. 現時市政府不能提供準確的時間表去完成這些項目，因爲我們缺乏資金。我們會
繼續尋找資金去完成這些項目。
Residents of North Shoreview and North Central:
Resident
4. 第二頁上的圖像顯示所需要的工程項目。這些項目將能把你的物業從“高風險”
區内刪除。
North Shoreview
City of San Mateo, CA
City of San Mateo, CA
3. 較低保費的提示：A.) 個人物品的保險是可選擇性的。 B.) 業主可以與他們的保
North Shoreview
險代理商談，並詢問不同的免賠額將會如何影響他們的保費。
Resident
2. 根據聯邦法律，貸款人需要為FEMA的SFHA物業購買洪水保險。
Residents of North Shoreview and North Central:
Please Read! Important Flood Information Enclosed.
Line in Spanish
Line in Chinese
City of San Mateo, Department of Public Works
In This Issue:
In This Issue:
WhyIssue:
your propIn This
Why your property remains in
erty
in
 FEMA’s
Whyremains
your
prop“high
FEMA’s
“high
erty remains
in
risk”
flood zone
risk”
flood
zone
FEMA’s
“high
risk”for
flood
zone
 Tips
reducing
 Tips for reducing
your premium
 your
Tips premium
for reducing
yourand
premium
 Past
future
 Past and future
flood protection
flood
 projects
Past protection
and future
projects
flood protection
projects
 “Why
do I have
 “Why do I have
to buy insurto
buy do
insur ance?”
“Why
I have
ance?”
to buy insurance?”
Next Page…
Next Page…
Projects that will better
ProjectsNext
that will better
flood protectPage…
your
flood
protect
Projects thatyour
will
neighborhood
in abetter
“100
neighborhood
in a “100
flood
protect
your
year storm.”
year
storm.” in a “100
neighborhood
year storm.”
Speak Spanish?
Speak Spanish?
SpeaksobresaliSpanish?
Notas
Notas sobresalientes
la página 3.
Notasen
sobresalientes
en
la página 3.
entes en la página 3.
Speak Chinese?
Speak Chinese?
重要信息在第三頁。
Speak Chinese?
重要信息在第三頁。
重要信息在第三頁。
Why Areas North of San Mateo Creek
Why Areas North of San Mateo Creek
Remain in FEMA’s “High Risk” Flood Zone
Remain
in FEMA’s
“High
Why Areas
North of
San Risk”
MateoFlood
CreekZone
south of
San Mateo
The
recently
completed
Remain
in FEMA’s
“High Risk”
Flood
Zone Creek. raise the amount of
south of San Mateo Creek. raise the amount of
The recently completed
money necessary to pay
Why
not
your
neighborLevee Project reduced the
money
necessary
not
your
neighborLevee
Project completed
reduced the Why
raise
amountto
of pay
south
of
San
Mateo
Creek.
The
recently
for
thethe
improvement.
Ashood?
risk of flooding for apfor
the
improvement.
Asrisk
of flooding
for ap- the hood?
money necessary
to pay
Why not your neighborLevee
Project
reduced
sessment
district memproximately
8,000
homes.
sessment
district mem-Asproximately
8,000
for the
hood?
risk of flooding
forhomes.
apbers
areimprovement.
assessed an anThe
projects to floodApproximately
4,600
of
bers
are
assessed
an
anThe
projects
to
floodApproximately
4,600
of
sessment
memproximately
tax ondistrict
their property
these
homes 8,000
will nohomes. protect areas north of San nual
tax
their property
protect
areas to
north
of San nual
these
homes will4,600
no
bers
areon
assessed
an anThe projects
floodApproximately
tax
bills.
Mateo
Creek will
cost
longer
have to pay for of
tax
bills.
Mateo
Creek
will
cost
longer
have
to
pay
for
nual
tax
on
their
property
protect
areas
of San
theserisk”
homes
willinsurno
three
times
thenorth
recently
“high
flood
three
times
thewill
recently
“high
risk”
flood
insurtax bills.
Mateo
Creek
cost
longer
have
to
pay
for
There
are far fewer parance, while approximately completed Levee Project.
There are far fewer parcompleted
Levee
Project.
ance,
while
approximately
three
times
the
recently
“high
risk”
flood
insurcels north of Third Avenue
We will need to identify
3,400 will not enter the
cels
north
of
Avenue
We
will needLevee
to identify
3,400
will
notapproximately
enter the
There
arethese
farThird
fewer
completed
Project. to
ance,risk”
while
pay for
veryparlarge
multiple
funding sources
“high
zone for the
to
pay
for
these
very
large
multiple
funding
sources
“high
risk”
zoneenter
for the
celsexpensive
north of Third
Avenue
We
will need
to identify
3,400
will not
the
and
projects.
An
to
design
and complete
first
time.
and
expensive
projects.
An
to
design funding
and complete
first
time.
to pay
for these
very
large
multiple
sources
“high
risk” zone for the
assessment
district
north
this
work.
assessment
district
north
this
work.
and
projects.
An
to design and complete
firstShoreview
time.
of
theexpensive
creek would
require
No.
and No.
of
the creek would
require
No. Shoreview and No.
assessment
district
north
this
work.
property owners to pay
Central were not removed The South Levee Project
property
owners
to pay
The South Levee Project
Central
were notand
removed
of the creek
would
require
No.
Shoreview
No.
significant
assessments;
a
was
financed
solely
from
from FEMA’s Special Flood
significant
assessments;
a
was
financed
solely
from
from
FEMA’s
Special
Flood
property
owners
to
pay
The
South
Levee
Project
Central
were
not
removed
reasonable annual assessan assessment district
Hazard Area (SFHA) on
reasonable
annual
assessassessment
district
Hazard
Area (SFHA)
onFlood an
significant
assessments;
was
financed
solely
from
from FEMA’s
Special
for property
ownersa
paid
for
by residents
south ment
October
16, 2012
— the
ment
for
property
owners
paid
for
by
residents
south
October
16,
2012
—
the
reasonable
annual
assessan
assessment
district
Hazard
Area
(SFHA)
on
north of the creek would
of San Mateo Creek. The
date
of our
map
change.
north
of
the
creek
would
of
San
Mateo
Creek.
The
date
of
our
map
change.
ment
for property
paid forof
byparcels
residents
south only
October
16,removed
2012 — from
the
cover
a fractionowners
of
number
south
The
homes
only
cover
a fractionwould
of
of parcels
south
The
homes
removed
from number
north
of
the
of
San
Mateo
Creek.
The
date
of
our
map
change.
the cost of thecreek
needed
of the creek was able to
the “high risk” flood zone
the
cost
of
the
needed
of
the
creek
was
able
to
the
“high
risk”
flood
zone
only
cover
a
fraction
of
Theinhomes
removed from number of parcels south
projects.
are
neighborhoods
projects.
are
in
neighborhoods
the cost of the needed
of the creek was able to
the “high risk” flood zone
projects.
Ifare
you
have a federally-backed mortgage for a property
located in FEMA’s
in neighborhoods
If you have a federally-backed mortgage for a property located in FEMA’s
Special Flood Hazard Area (SFHA), you are required to carry flood insurSpecial
Flood
Hazard Area (SFHA),
you arefor
required
to carry
flood
If you have
a federally-backed
mortgage
a property
located
in insurFEMA’s
ance.
ance.
Special Flood Hazard Area (SFHA), you are required to carry flood insurTips
for Reducing Your Premium
ance.
Tips
for Reducing Your Premium
Tips for owners
Reducing
Your
Property
have
op- Premium
Many flood policies are
Property owners have options with respect to the
tions
withowners
respecthave
to theopProperty
flood
coverage they
purflood
coverage
they
tions with respect topurthe
chase.
chase.
flood coverage they purchase.
Most
lenders only require
Most lenders only require
that the building/structure
that
the
building/structure
Most
lenders
only require
be
insured.
Coverage
for
be
insured.
Coverage
for
that
the
building/structure
personal contents is oppersonal
contents
is opbe insured.
Coverage
for
tional.
Removing
contents
tional.
Removing
contents
personal
contents
is
opcoverage will result in a
coverage
will result in a
tional. Removing
reduced
premium,contents
but
reduced
coveragepremium,
willproperty
resultbut
in a
increases
the
increases
the
property
reducedrisk.
premium, but
owner’s
owner’s
risk.
increases
the property
owner’s risk.
Many flood policies are
written with a standard
written
with policies
a standard
Many flood
deductible
of $1,000.are
deductible
of
written with
a$1,000.
standard
Property
owners
can work
Property
owners
can work
deductible
of
$1,000.
with their insurance
with
their
insurance
Property
work
agents
andowners
inquirecan
how
agents
andinsurance
inquire how
with
their
different deductibles will
different
deductibles
will
agentstheir
and
inquire how
affect
premium.
The
affect
their
premium.
The
different
deductibles
will
highest deductible availhighest
deductible
availaffect
their
premium.
able is $5,000. SelectingThe
a
able
is $5,000.
Selecting
a
highest
deductible
availhigher deductible will
higher
deductible
will
able isthe
$5,000.
lower
annualSelecting
pre- a
lower
the
annual prehigher
deductible
will
mium.
mium.
lower the annual premium.
To see
To
seeinformation
informationrelereleTo
relevantsee
to information
the most current
vant to the most current
insurance
rates
refer
to
vant
to
the
most
current
To see information
insurance
rates
referreleto
“Policy
Rates”
at
insurance
rates
refer
to
vant toRates”
the most
“Policy
at current
www.FloodSmart.gov
“Policy
Rates”
atrefer to
insurance
rates
“Policy Rates” at
1. North Shoreview 和North Central仍然屬於FEMA的特別洪水危險區域
(SFHA)，或“高風險”的洪水區。
City Logo and Address 關鍵信息
CITY OF SAN MATEO PUBLIC WORKS DEPARTMENT V2 With Susanna’s
330 WEST 20TH AVENUE Key Information
Mail Panel SAN MATEO, CA 94403‐1388 Edits
PRSRT STD
U.S. Postage
PAID
Redwood City, CA
Permit No. 688
Flood Awareness:
Page 2
“Why Do I Have to Buy Flood Insurance?”
Flood Protection Projects Past and Future
Flood protection is a lot
like a puzzle. Every piece is
important, and every time
you put another piece in
place, you move closer to
completing the puzzle.
We have begun putting
this puzzle together by
laying the groundwork for
future flood improvements that will remove
properties in North Shoreview and North Central
from the FEMA “high risk”
flood zone.
What are those important,
less visible pieces that
helped flood protect North
Central and North Shoreview?
1. Caltrans increased culvert capacity using State
funds. This project increases flood capacity for
both sides of Third Ave.
2. With a federal grant, we
raised the bridge over Norfolk Street to allow storm
water to flow more freely.
3. With local Redevelopment funds, we built a
flood wall North of SM
Creek.
4. Again with local Redevelopment funds, we built
a piece of the flood wall
just at the mouth of SM
Creek.
Page 3
December 2012
5. Designed required improvements to the Poplar
Pump Station and completed interim improvements to improve the reliability of the Pump Station.
How far do we have to go
to complete this puzzle?
The image below is of future improvements that
the City will complete
once funding sources are
identified to pay for these
important projects.
At this time, we lack the
funding and therefore, a
timeline to share on when
we think we can reach this
goal. We will continue to
identify funding for these
projects.
The recent unexpected
flooding in New Jersey and
New York, and the devastation left in the wake of
Hurricane Sandy helps to
answer the question,
“Why do I have to buy
flood insurance?”
have “dry”climates.
studies to determine areas
that are susceptible to a
A 100 year storm is not a 100 year storm. An area or
storm that occurs every
a city that is susceptible to
100 years; it is a signifa 100 year storm is placed
icant storm that has a 1% in FEMA’s “Special Flood
chance of occurring in
Hazard Area” (SFHA). If
any given year. Just two
your property is in a SFHA,
inches of flooding in a
you must carry flood insurThe Federal Emergency
home can make a home
ance as lenders will not
Management Agency
unlivable. Without insur- service your loan without
(FEMA) shares that every
ance, many property
it. If you allow your insurday, throughout the counowners do not have the
ance to lapse, lenders will
try, they see homes deresources to restore their “force-place” insurance on
stroyed by unforeseen
property, and they can
your home. When lenders
flooding due to a natural
ultimately lose their
“force-place” insurance,
disaster much like recent
homes.
the policy can be twice as
natural events on the East
expensive and the “forced
Coast. Many areas that
Because of this, FEMA
placed” policy is typically
experience a 100 year
performs engineering
with a non-backed Nastorm are considered to
V2 With Susanna’s Edits
Key Information (Spanish)
Información Clave:
tional Flood Insurance Program (NFIP) policy.
Much of our City is considered
susceptible to a 100 year
storm because many areas are
at least one foot below the
base flood elevation. Through
the Levee Project, the City
built flood protection infrastructure that met federal
standards. By meeting federal
standards, properties south of
San Mateo Creek were removed from the SFHA.
Again, our future goal is to
build similar flood projection
projects that will meet federal
standards and remove your
area from the SFHA.
Key Information
Key Information (Chinese)
關鍵信息
when
we think we
pre- 1. North
zone.
Shoreview 和North Central仍然屬於FEMA的特別洪水危險區域
(SFHA)，或“高風險”的洪水區。
can construct the
Per federal law, lendfuture improvefederal
law,Federal,
lendersdueños de propiedades dentro
2. 根據聯邦法律，貸款人需要為FEMA的SFHA物業購買洪水保險。
2. De Per
acuerdo
a la Ley
The image on the
require
properties
inde inundaciones
ments noted on the ers require properties
del Area
Especial
de Peligro
(SFHA) de FEMA
in FEMA’s B.)
SFHA
to
page is of 3. 較低保費的提示：A.)
個人物品的保險是可選擇性的。
業主可以與他們的保
están FEMA’s
obligados aSFHA
cubrir to
las carry
propiedadesprevious
con seguro contra
previous page.
We
險代理商談，並詢問不同的免賠額將會如何影響他們的保費。
inundaciones.
future improvecarry flood insurance.
flood insurance.
will continue to at3.Consejos para obtener cuotas de seguro
más bajas:
A.) Coberments
that
will re- 4. 第二頁上的圖像顯示所需要的工程項目。這些項目將能把你的物業從“高風險”
tempt to identify
Tips to lower premium:
Tips
to lower
pre-es opcional.
tura para
artículos
personales
B.) Dueños de propie區内刪除。
move
your
property
funding
for
these
dadesmium:
pueden negociar
con
sus
agentes
de
seguros
y
preguntar
A.) Coverage from the “high risk”
A.) Coverage for peracerca de como los diferentes deducibles
afectan sus cuotas.
5. 現時市政府不能提供準確的時間表去完成這些項目，因爲我們缺乏資金。我們會
projects.
sonal contents is opfor personal con繼續尋找資金去完成這些項目。
4. La fotografía en la página anterior eszone.
de mejoras futuras que
tional. B.) Property
tents
is optional.
pondrán
a su propiedad
fuera deB.)
la zona de “alto riesgo”.
remain in FEMA’s
can work with
Property
owners
this time,dewe
5. Actualmente
carecemos
de fondos y At
por consiguiente,
un
Residents
of North
Shoreview
North Central: Please Read!
Special
Flood
Haz- andowners
plan que
compartir
cuando pensamos
que
podemos
can
work acerca
withdetheir
their insurance agents
lack the funding Important
Flood(SFHA)
Information
ard Area
or Enclosed.
construír
las mejoras que
se mencionanand
en la página
anterior.
insurance
agents
and inquire how differtherefore, a
theShoreview
“high risk”
flood
Continuaremos tratando de identificar recursos para estos
North
和North
Central的居民：請閱讀！
and inquire how dif- timeline to share on内含有關洪水的重要信息。 ent deductibles will afproyectos
ferent deductibles
fect their premium.
Hazard
Area
(SFHA)
1. Vista
a la Playa
Norte
(NorthorShoreview)
Centro Norte
willyaffect
their
(North
Central)
continúan
siendo
parte del Area Especial de
the “high risk” flood
zone.
mium.
Peligro de Inundaciones (SFHA) de FEMA.