FEMA defines an area of repetitive loss as: "a property for which two
or more claims of more than $1,000 have been paid by the National Flood
Insurance Program (NFIP) within any 10 – year period since 1978." The
properties only represent 1% of all of NFIP’s insurance policies, but
have accounted for nearly one-third of the claim payments. FEMA provides
all repetitive loss information to every community each year and if a
community wishes to participate in the Community Rating System (CRS)
program, then they must map out each area and property and submit the
maps to FEMA.
The Village of Wheeling participates in the CRS program and has a
number of repetitive loss properties. Because of this, the GIS
department was asked to put together maps showing the locations of all
repetitive loss properties in the village. Each map shows the location
of the repetitive loss area with repetitive loss properties highlighted.
Each affected property lists the dates for each flood insurance claim.
By mapping out the locations of each property, the village meets the
requirements set by FEMA for documenting repetitive loss areas and for
participating in the CRS insurance program, therefore allowing it’s
resident’s to obtain a better price for flood insurance.