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Ramsey County | Multi-Jurisdiction Hazard Mitigation Plan 44 The National Flood Insurance Program (NFIP) is a federal program that provides flood insurance to property owners, renters and business located in communities with mapped floodplains that opt to participate in the program. To participate in the NFIP, a community must: • Adopt a floodplain ordinance that meets or exceeds minimum NFIP criteria, including regulations on land use, development controls, and building codes within the floodplain, as defined by the community’s Flood Insurance Rate Map (FIRM). • Pass a resolution of intent to participate in the program. • Comply with FEMA minimum standards for floodplain management. • Enforce enacted regulations. The following Ramsey County communities participate in the NFIP: • City of Arden Hills • City of Blaine (Ramsey/Anoka County) • City of Falcon Heights • City of Gem Lake • City of Lauderdale • City of Little Canada • City of Maplewood • City of Mounds View • City of New Brighton • City of North Saint Paul • City of Roseville • City of Shoreview • City of Spring Lake Park (Ramsey/Anoka Counties) • City of St. Anthony (Ramsey/Hennepin Counties) • City of Saint Paul • City of Vadnais Heights • City of White Bear Lake (Ramsey/Washington Counties) • Township of White Bear The City of North Oaks has a current effective map date of June 4, 2010, but is not a member of the NFIP. 3.8.3 EXTENT In hazard analysis, the 100-year and 500-year floodplains maps are utilized for understanding flood risk and informing land-use planning, emergency response, and infrastructure development. These designations represent areas that have a 1% (100-year) and 0.2% (500-year) chance of flooding in any given year. These maps help identify areas most at risk of flooding, which is vital for minimizing damage and ensuring public safety. 100-Year Floodplain: This area is commonly used as the baseline for regulatory and insurance purposes. It is the standard by which flood insurance requirements are determined, and it guides zoning regulations, construction codes, and infrastructure projects. Because these areas are more likely to experience flooding, they are most often prioritized for flood prevention and mitigation measures. 500-Year Floodplain: Although the likelihood of flooding in these areas is lower, the 500-year floodplain helps to identify areas that could be affected by more extreme events, including critical infrastructure,