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CARMEL PLAN COMMISSION
DEPARTMENT REPORT
MARCH 21, 2023
2. Docket No. PZ-2023-00030 OA: Flood Damage Prevention Ordinance (Carmel City Code).
The applicant seeks to amend the Carmel City Code in order to establish a new ordinance for Flood
Damage Prevention as Chapter 10, Article 5 of the Carmel City Code replacing the current Flood
Hazard Ordinance. Filed by the Department of Community Services on behalf of the Carmel Plan
Commission.
Summary: Please view the informational packet for the proposed ordinance amendment.
Reasons for Adoption:
1. The adoption of this model ordinance will allow Carmel to continue to participate in the National Flood
Insurance Program (NFIP). The NFIP is managed by the Federal Emergency Management Agency
(FEMA) and makes flood insurance available to only those communities who adopt and enforce floodplain
management regulations to help mitigate the effects of flooding.
2. This proposed ordinance will also allow Carmel to continue to participate in FEMA’s Community Rating
System, a voluntary incentive program that recognizes and encourages floodplain management practices
that exceed the minimum requirements of the NFIP. Because of Carmel’s participation in the Community
Rating System program since 2019, Carmel residents and businesses receive discounted flood insurance
premium rates reflecting the reduced flood risk resulting from efforts that address the three goals of the
program:
− Reduce and avoid flood damage to insurable property
− Strengthen and support the insurance aspects of the National Flood Insurance Program
− Foster comprehensive floodplain management
Recommendation:
The Department of Community Services recommends the Plan Commission forwards this item to the City
Council with a Favorable Recommendation.