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Ramsey County Multi-Hazard Mitigation Plan, 2018 Page | 101 Section 5 – Mitigation Strategy The goal of mitigation is to protect lives and reduce the future impacts of hazards including property damage, disruption to local and regional economies, the amount of public and private funds spent to assist with recovery, and to build disaster-resistant communities. Mitigation actions and projects should be based on a well-constructed risk assessment, provided in Section 4 of this plan. Mitigation should be an ongoing process adapting over time to accommodate a community’s needs. 5.1 Community Capability Assessment The capability assessment identifies current activities used to mitigate hazards. The capability assessment identifies the policies, regulations, procedures, programs and projects that contribute to the lessening of disaster damages. The assessment also provides an evaluation of these capabilities to determine whether the activities can be improved to more effectively reduce the impact of future hazards. The following sections identify existing plans and mitigation capabilities within all the communities: • Appendix J: Lists the plans and programs in place in Ramsey County as related to hazard mitigation. • Appendix K: As part of the Ramsey County MHMP update, the county, its cities, and townships were asked to participate in filling out a “Local Mitigation Capabilities Assessment” (LMCA) form to report on their current mitigation capabilities and program gaps. Appendix K lists the LMCA reports gathered for Ramsey County. 5.1.1 National Flood Insurance Program (NFIP) The NFIP is a federal program created by Congress to mitigate future flood losses nationwide through sound, community-enforced building and zoning ordinances and to provide access to affordable, federally-backed flood insurance protection for property owners. The NFIP is designed to provide an insurance alternative to disaster assistance to meet the escalating costs of repairing damage to buildings and their contents caused by floods. Participation in the NFIP is based on an agreement between local communities and the federal government that states that if a community will adopt and enforce a floodplain management ordinance to reduce future flood risks to new construction in Special Flood Hazard Areas (SFHAs), the federal government will make flood insurance available within the community as a financial protection against flood losses. Table 27 below shows which jurisdictions in Ramsey County participate in the National Flood Insurance Program (NFIP). Only the city of North Oaks does not participate in the NFIP. The only cities in the county that do not have FEMA mapped high risk areas are Falcon Heights, Lauderdale and Saint Anthony Village. Table 27. Local Participation in the NFIP Community Name Participation in the National Flood Insurance Program (NFIP)? Current FIRM Date Arden Hills Participating in NFIP FEMA Mapped High Risk Areas 6/4/2010 Blaine (Anoka & Ramsey) Participating in NFIP FEMA Mapped High Risk Areas 12/17/2015