Is sea level rise included?

• No, sea level rise is not included because it considers a future condition. The NFIP is not currently permitted to base flood insurance rates on future conditions. Communities are officially encouraged to consider higher regulatory standards. When changes to existing flood hazards occur, the area is re-studied.

Is erosion included?

• Some erosion is included. Where sandy dunes exist, erosion is evaluated to determine how the dune will be affected by a storm event.

Is bluff failure included?

• No, bluff failure and long-term erosional processes are not included. Bluff erosion is usually the result of many factors including, but not limited to, precipitation, irrigation, and undercutting by wave action. Because bluff failure is episodic, a constant rate of change cannot be assumed or applied in the analysis. Assumptions would have to be made to estimate a future condition. When changes to existing flood hazards occur, the area is re-studied.