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Ramsey County Multi-Hazard Mitigation Plan, 2018 Page | 102 Community Name Participation in the National Flood Insurance Program (NFIP)? Current FIRM Date Falcon Heights Participating in NFIP No FEMA Mapped High Risk Areas 6/4/2010 Gem Lake Participating in NFIP FEMA Mapped High Risk Areas 6/4/2010 Lauderdale Participating in NFIP No FEMA Mapped High Risk Areas 6/4/2010 Little Canada Participating in NFIP FEMA Mapped High Risk Areas 6/4/2010 Maplewood Participating in NFIP FEMA Mapped High Risk Areas 6/4/2010 Mounds View Participating in NFIP FEMA Mapped High Risk Areas 6/4/2010 New Brighton Participating in NFIP FEMA Mapped High Risk Areas 6/4/2010 North Oaks NOT Participating in NFIP FEMA Mapped High Risk Areas 6/4/2010 North Saint Paul Participating in NFIP FEMA Mapped High Risk Areas 6/4/2010 Roseville Participating in NFIP FEMA Mapped High Risk Areas 6/4/2010 Saint Anthony Village (Hennepin & Ramsey) Participating in NFIP No FEMA Mapped High Risk Areas 11/4/2016 Saint Paul Participating in NFIP FEMA Mapped High Risk Areas 6/4/2010 Shoreview Participating in NFIP FEMA Mapped High Risk Areas 6/4/2010 Spring Lake Park (Anoka & Ramsey) Participating in NFIP FEMA Mapped High Risk Areas 12/16/2015 Vadnais Heights Participating in NFIP FEMA Mapped High Risk Areas 6/4/2010 White Bear Lake (Ramsey & Washington) Participating in NFIP FEMA Mapped High Risk Areas (NSFHA in Washington – 2/3/2010) 6/4/2010 White Bear Township Participating in NFIP FEMA Mapped High Risk Areas 6/4/2010 Repetitive loss properties are defined as properties that have had 2 or more flood insurance claims of $1,000 or more in any rolling 10-year period. Property owners are asked to consider mitigation activities such as acquisition, relocation, or elevation, among other options. FEMA’s Repetitive Loss (RL) properties strategy is to eliminate or reduce the damage to property and the disruption to life caused by repeated flooding of the same properties. Property owners are notified of their status by FEMA. There are two repetitive loss properties in Ramsey County, both located in the City of Saint Paul. Four losses have been recorded between the two properties, with an average payment of $10,610. None are classified as “Severe Repetitive Loss” (SRL). An SRL property is defined as a residential property that is covered under an NFIP flood insurance policy and: • That has at least 4 NFIP claim payments (including building and contents) over $5,000 each, and the cumulative amount of such claims payments exceeds $20,000; or • For which at least 2 separate claims payments (building payments only) have been made with the cumulative amount of the building portion of such claims exceeding the market value of the building. • For both (a) and (b) above, at least 2 of the referenced claims must have occurred within any 10-year period, and must be greater than 10 days apart. For more on the areas that flood repeatedly in Ramsey County, see section 4.4.5 Flash Flood and Riverine Flood.