Comparison Of Select NFIP And Building Code Requirements .

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Quick RefeRence Guidecomparison of Select nfiP and Building codeRequirements for Special flood Hazard AreasThis guide illustrates the similarities and highlights thedifferences between the National Flood Insurance Program(NFIP) minimum requirements and the requirements of theInternational Code Series (I-Codes) and ASCE 24, FloodResistant Design and Construction (ASCE 24), a standardreferenced by the I-Codes.Communities that participate in the NFIP adopt regulationsand codes that govern development in special flood hazardareas, and enforce those requirements through the issuanceof permits. The International Residential Code (IRC)and International Building Code (IBC), by reference toASCE 24, include requirements that govern the design andconstruction of buildings and structures in flood hazardareas. FEMA has determined that the flood provisions of theI-Codes are consistent with the requirements of the NFIP(the I-Code requirements shown either meet or exceed NFIPrequirements). ASCE 24, a design standard developed bythe American Society of Civil Engineers, expands on theminimum NFIP requirements with more specificity, additionalrequirements, and some limitations.The illustrations that follow highlight some of the keysimilarities and differences between foundation types, lowestfloor elevations, enclosures below elevated buildings, andutilities requirements contained within the NFIP and I-Codesfor most residential and commercial buildings (classified as“Category II” structures by the building codes).DiD you know?Lowest floor elevation requirementsin IBC/ASCE 24 vary with structurecategory, and may be higher forcertain high occupancy buildingsand critical and essential facilities.DiD you know?The NFIP refers to the Base FloodElevation (BFE) for lowest floorelevation requirements, while theI-Codes and ASCE 24 refer to theDesign Flood Elevation (DFE).The DFE will always be the BFE orhigher. Additional height above theBFE is known as freeboard.The NFIP, I-Codes, and ASCE 24require the use of flood damageresistant materials below therequired lowest floor elevation(illustrated throughout this guide).FEMA Quick Reference Guide: Comparison of Select NFIP and Building Code Requirements for Special Flood Hazard Areas March 2012page 1 of 8

Flood Zone MapsnFIpI- CodesDiD you know?The NFIP regulations do not have provisions for Coastal A Zone (CAZ), but the I-Codes do(see map on right). The IBC, by reference to ASCE 24, requires CAZ buildings to be treatedlike Zone V buildings. The IRC permits the use of ASCE 24 in the CAZ as an alternative to itsflood provisions, which allows CAZ buildings to be treated like Zone V buildings. Starting in2008, revised and new coastal Digital Flood Insurance Rate Maps (FIRMs) show the Limit ofModerate Wave Action (LiMWA), which delineates the landward limit of the CAZ.The NFIP requires that all buildings in Zone V resist the effects of windand water loads acting simultaneously. The prescriptive wind designrequirements in the IRC are applicable in regions where the basic windspeed is under 110 mph, or under 100 mph in hurricane-prone regions,which extend farther inland than Zone V in most areas. Where basic windspeeds exceed these minimum values, engineered design is required.FEMA Quick Reference Guide: Comparison of Select NFIP and Building Code Requirements for Special Flood Hazard Areas March 2012page 2 of 8

Comparison of Zone A Requirements: NFIP and IRCF o U n d aT I o n T Y p enFIp and IRCSlab-on-fillOpen foundation –piers/posts/columnsPerimeter wall(crawlspace)Open foundation ernative use of ASCE 24 for CAZ buildings does not permit the use of structural fill or foundation wallsl o W e s T F l o o R e l e V aT I o n at top of lowest floornFIpIRCLHSM Lowest horizontalstructural memberTop oflowest floorBFE lowestfloor elevationFloor framingFoundationelementLHSM(beam)Top oflowest floorFloor framingBFE 1 ftor DFE*DFE lowestfloor elevationFloor t*whichever is higherU T I l I T I e s a n d e n C l o s U R e s below elevated buildingsnFIp and IRCFlood openings ondifferent walls toprovide automatic entryand exit of flood waters.A minimum of 2 floodopenings is required, butthe total number ofopenings depends onthe type and size of theopenings and the size ofthe enclosed areaUse of enclosure isrestricted to parking,building access,and storageUtilities elevatedto or aboverequired lowestfloor elevationNo more than 1 footAlternative use of ASCE 24 for CAZ buildings requires breakaway walls and utilities to be elevated basedon the orientation of lowest horizontal structural members (see page 6).FEMA Quick Reference Guide: Comparison of Select NFIP and Building Code Requirements for Special Flood Hazard Areas March 2012page 3 of 8

Comparison of Zone V Requirements: NFIP and IRCF o U n d aT I o n T Y p enFIp and IRCSlab-on-fillPerimeter wall(crawlspace)Open foundation –piers/posts/columnsSlabFillFoundationwallThe IRC andASCE 24 requirefoundation designsto specificallyaccount for erosionand scour.ColumnOpen foundation –pilesPileErosion and scour Not permittedFootingl o W e s T F l o o R e l e V aT I o n at bottom of LHSMnFIpIRCLHSM parallelto wave directionLHSM Lowest horizontalstructural memberLHSM perpendicularto wave directionFloor framingBFE 1 ft or DFE* lowest floor elevationFloor framingFoundationelementLHSM(beam)BFE lowestfloorelevationFloor framingFoundationelementLHSM(beam)DFE lowestfloorelevationFoundationelement*whichever is higherU T I l I T I e s a n d e n C l o s U R e s below elevated buildingsnFIp and IRCArea under elevatedbuilding must befree of obstructionor use breakwaywalls, open lattice,or louversBreakaway wallUtilities elevatedto or aboverequired lowestfloor elevationUse of enclosure isrestricted to parking,building access, andstorageThe IRC specificallyprohibits mountingor penetrationof utilities onbreakaway wallsBoth the NFIP and IRC require design certification in Zone V. Design certification is also required for breakaway walls thatexceed a design safe loading resistance of 20 pounds per square foot.FEMA Quick Reference Guide: Comparison of Select NFIP and Building Code Requirements for Special Flood Hazard Areas March 2012page 4 of 8

Comparison of Zone A Requirements: NFIP and IBC/ASCE 24F o U n d aT I o n T Y p enFIp and IBC/asCe 24Slab-on-fillPerimeter wall(crawlspace)Open foundation –piers/posts/columnsOpen foundation –pilesSlabFillFoundationwallASCE 24 includesspecifications for theuse of structural fillnFIpColumnPileFootingIBC/asCe 24 Not permittedl o W e s T F l o o R e l e V aT I o n at top of lowest floor or bottom of LHSMnFIpIBC/asCe 24LHSM Lowest horizontalstructural memberTop oflowest floorBFE lowestfloor elevationTop oflowest floorLHSM Lowest horizontalstructural memberFloor framingFloor tBFE 1 ft or DFE* lowest floor elevationLHSM(beam)*whichever is higherLHSM parallelto wave directionDiD you know?The NFIP and IBC/ASCE 24 allownon-residential buildings in Zone Ato be dry floodproofed. Residentialbuildings are not permitted to be dryfloodproofed in any flood hazard zone.ASCE 24 includes limitations on the useof dry floodproofing and on measuresthat require human intervention.LHSM perpendicularto wave directionBFE 1 ft or DFE* lowest floor elevationFloor framingFoundationelementFloor framingLHSM(beam)DFE lowestfloorelevationFoundationelement*whichever is higherFEMA Quick Reference Guide: Comparison of Select NFIP and Building Code Requirements for Special Flood Hazard Areas March 2012page 5 of 8

Comparison of Zone A Requirements: NFIP and IBC/ASCE 24e n C l o s U R e s below elevated buildingsnFIp and IBC/asCe 24Use of enclosure isrestricted to parking,building access,and storageFlood openings on different wallsto provide automatic entry andexit of flood waters. A minimumof 2 flood openings is required,but the total number of openingsdepends on the type and size ofthe openings and the size of theenclosed areaNo more than 1 footnFIpIBC/asCe 24Same as Zone A(above)IBC/ASCE 24 specifyZone V requirementsin Coastal A Zones(see page 7), with theaddition of openingsin breakaway wallsBreakaway wallUTIlITIesnFIpIBC/asCe 24BFE 1 ftor DFE*BFE utilityelevation*whichever is higherLHSM lowest horizontalstructural memberLHSM parallelto wave directionLHSM perpendicularto wave directionDiD you know?Elevation requirements for utilitiesin IBC/ASCE 24 vary with structurecategory, and may be higher forcertain high occupancy buildingsand critical and essential facilities.BFE 1 ftor DFE* utilityelevationBFE 2 ft orDFE* utilityelevationFEMA Quick Reference Guide: Comparison of Select NFIP and Building Code Requirements for Special Flood Hazard Areas March 2012page 6 of 8

Comparison of Zone V Requirements: NFIP and IBC/ASCE 24F o U n d aT I o n T Y p enFIp and IBC/asCe 24Slab-on-fillPerimeter wall(crawlspace)Open foundation –piers/posts/columnsSlabFillFoundationwallThe IBC/ASCE 24requires foundationdesigns to specificallyaccount for erosionand scour.ColumnOpen foundation –pilesPileErosion and scourFooting Not permittedl o W e s T F l o o R e l e V aT I o n at bottom of LHSMnFIpIBC/asCe 24LHSM Lowest horizontalstructural memberLHSM parallelto wave directionLHSM perpendicularto wave directionFloor framingBFE 1 ft or DFE* lowest floor elevationFloor framingFoundationelementLHSM(beam)BFE lowestfloorelevationFloor framingFoundationelementLHSM(beam)DFE lowestfloorelevationFoundationelement*whichever is highere n C l o s U R e s below elevated buildingsnFIp and IBC/asCe 24The IBC/ASCE 24specificallyprohibits mountingor penetration ofutilities onbreakaway wallsArea under elevatedbuilding must be freeof obstruction or usebreakway walls, openlattice, or louversUse of enclosure isrestricted to parking,building access, andstorageBreakaway wallFEMA Quick Reference Guide: Comparison of Select NFIP and Building Code Requirements for Special Flood Hazard Areas March 2012page 7 of 8

Comparison of Zone V Requirements: NFIP and IBC/ASCE 24UTIlITIesnFIpIBC/asCe 24LHSM parallelto wave directionBFE utilityelevationBFE 1 ftor DFE* utilityelevationLHSM perpendicularto wave directionBFE 2 ft orDFE* utilityelevation*whichever is higherLHSM lowest horizontal structural memberfor More informationDiD you know?The IBC/ASCE 24 placesconstraints on constructionin high risk flood hazardareas, including alluvialfan, flash flood, mudslide,erosion-prone, highvelocity flow, and ice jamand debris areas.For a more detailed and comprehensive summary, see Flood ResistantProvisions of the 2009 I-Codes, Flood Resistant Provisions of the 2012I-Codes, Highlights of ASCE 24-05 Flood Resistant Design and Construction,and Provisions of the 2009 I-Codes and ASCE 24 Compared to the NFIP de-resourcesSee also CodeMaster: Flood Resistant Design, an 8 -page guide to designing astructure for flood loads in accordance with the IBC, IRC, ASCE 7 and ASCE 24.It can be purchased at: http://shop.iccsafe.org/codemaster-flood-resistant asce-24-05.htmlIf you need additional information, contact the FEMA Building Science Helplineby emailing FEMA -Buildingsciencehelp@fema.dhs.gov or calling (866) 927-2104.FEMA Quick Reference Guide: Comparison of Select NFIP and Building Code Requirements for Special Flood Hazard Areas March 2012page 8 of 8

comparison of Select nfiP and Building code Requirements for Special flood Hazard Areas . Utilities elevated to or above required lowest floor elevation Flood openings on different walls to provide automatic entry and exit of flood waters. A minimum of 2 flood

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