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Gov. Christie’s FEMA Mapping Policy Puts More People in Harm's Way

Last week the Governor revealed the first of his rebuilding policies in the wake of Hurricane Sandy.  His Emergency Order adopting the FEMA advisory base flood maps does not require DEP to adopt the mapping for its regulatory programs and only applies to the coast.  Instead the Emergency Order applies to elevation and rebuilding codes only. 

Without adaptation into the DEP regulatory programs, homeowners could choose not to conform with the standards and pay higher insurance premiums.  We all end up paying higher insurance premiums and put more people in harm’s way.  This leaves families vulnerable to the next storm and could jeopardize compensation families receive from FEMA.  Until the mapping is adopted into the DEP regulatory programs, the agency can give out development approvals in areas that flood under FEMA without elevation protections.  The state will be approving projects where they will not be able to get flood insurance or mortgages risking rebuilding our coast and our economic recovery. 

The emergency order only applies to the coast, not statewide.  It does not include inland areas that experienced major flooding in Hurricane Sandy such as the Meadowlands or areas that traditionally flood such as along the Passaic and Raritan Rivers like Manville and Little Falls.  Besides the coast, all other counties will still use the old maps that have not been updated in some cases since 1980.

In his statement the Governor said if homeowners do not adhere to the standards, the financial risk will be on the homeowners through higher insurance premiums, but the rest of the state will be paying for it too. As they rebuild in vulnerable areas, they increase the risk of insurance pools around the state.  The taxpayers are paying for the rebuilding through FEMA and without standards that money will wash to sea with the next storm and they will expect more federal funding to rebuild again.  If their house gets destroyed the bill is on the taxpayers as well as costs for any damage to adjoining properties.

The Governor also announced the DEP will streamline the permitting process to rebuild homes faster without DEP review.  The DEP will only sign off on the project after it is completed, potentially opening a Pandora’s box of problems and violations.  This could cost municipalities, homeowners, and tax payers millions as FEMA only reimburses projects that meet environmental regulations. 

This is backwards; the Governor wants to build first and review later.  By waiving the standards people may be waving good bye to their home in the next storm. The Governor is relaxing environmental standards and requirements which in turn actually puts people and property in harm’s way and ends up causing more problems than it solves.

New Jersey has not fully updated its FEMA flood mapping since 1980 as these updates will limit development in flood prone areas.  FEMA is currently revising mapping for our state’s coastal communities based on the impacts of Hurricane Sandy and those maps should be available this summer.  The new FEMA maps will be based on Hurricane Sandy but do not take into account sea level rise or the impacts of a Category three Hurricane which can hit New Jersey.  The Christie administration must commit to adopting those maps in the DEP regulatory programs when they become available so we rebuild the shore better and smarter.  Failure to adopt these maps will put people and property in harm’s way.  

The Administration has opposed updating the flood mapping as it would limit development in flood prone areas.  There are regulatory programs that limit develop in flood prone or flood hazard areas including Water Quality Planning, Flood Hazard Area, storm water and CAFRA coastal development rules. By not adopting the updates FEMA maps, these regulations are based on outdated maps that do not show the increase in flooding in New Jersey and more flood prone property. By not adopting these maps we are promoting overdevelopment in areas that flood, putting people and property in harms ways. 

During the press conference, the Governor said he did not think New Jersey should include green building codes in the rebuilding process.  However now is the best time to implement green building codes, as Louisiana did following Hurricane Katrina, because it not only helps reduce pollution and energy use but helps save people money.

The Governor’s rebuilding policies did not include measures to address or reduce climate pollution and prepare New Jersey for the future impacts of sea level rise and storm surges.  The National Climate Assessment released this month predicts that by 2100, 1-in-10-yeat coastal flooding could triple to occur once every three years as a result of sea level rise.  Rutgers predicts sea levels could rise by 11-25 inches by 2050 and could potentially increase by as much as 67 inches in 2100.  We need to begin adaptation and hazard planning to better protect and move people and property out of harm’s way in preparation for such projected events.

The Governor has had an anti-environmental agenda trying to weaken environmental regulations through the waiver rule, weakening DEP rules, and pulling out of RGGI.  He is now using Hurricane Sandy as a cover to weaken protections further through this emergency order and the DEP Administrative Consent Order (ACO) that allows infrastructure to rebuilt in the same place that was just destroyed.

The Governor did not address where we should not rebuild or where we should offer buyouts to homeowners.  Now is the best time outline a master plan for rebuilding our shore, before people begin rebuilding in the most vulnerable areas.  This should include establishing a stable source of funding for the Blue Acres Program to meet the demand. The Blue Acres program helps purchase flood prone properties and move the families out of harm’s way.  Through the Blue Acres program we can create new flood storage areas along rivers and restore floodplains.  Updating the FEMA mapping would qualify more homes for Blue Acres funding.   

Before we can rebuild the Jersey Shore we need to know where we can build and if the state does not adopt the updated FEMA maps into the DEP regulatory programs, we are going to be putting more people at risk by creating more danger and more flooding. We will not be able to build the Shore smarter or better if we do not have a foundation based on science and these FEMA maps.

Beach_N8iv

1:56 pm on Monday, January 28, 2013

Face it, Tubbo Mc Fleecejacket only cares about his Big Business Masters. He says and does what he's told. It would seem that his War On The Working Class (tm) is proceeding as planned and YOU IDIOTS will vote him in for a second term.

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.

6:51 pm on Wednesday, January 30, 2013

I wouldn't vote him in as dog catcher. I would love to know who they ask that give him such high ratings. I can't wait to vote against him. I hope people realize what he really is before it is too late.

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Dentss Dunnagun

11:37 am on Tuesday, February 5, 2013

Tubbo Mc Fleecejacket !!! LOL hey that pretty funny you should go on Dave Letterman ....Oh wait Tubby beat you to it ! now you'll have to get some new material ,that should keep your mind occupied for a year or two....

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Beach_N8iv

12:42 am on Wednesday, February 6, 2013

Your post looks like it was typed by a semi-educated first grade student.

George Clark

2:33 pm on Monday, January 28, 2013

I am concerned about Tubbo Mcfleece fleecing his sandy aid collection and how bad it looks it can be. Am I the only one concerned about our fearless leader making money dissappear miraculously from his fund? What if his wife is home on the couch counting the donations and he sits down next to her. how many millions could hide under his enormous hide? lol.

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Beach_N8iv

3:05 pm on Monday, January 28, 2013

I figure it's pretty much a given that Mc Fleecejacket will raid ALL funds that come in. He has a history of it. It's what he does best.

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abc

11:49 am on Tuesday, January 29, 2013

Beach - what history of "raiding funds" do you speak of??

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Beach_N8iv

4:52 pm on Tuesday, January 29, 2013

Let's start with a training fund for volunteer EMTs. The money for this fund comes from a surcharge on motor vehicle summonses not taxes and is still being charged today.

John Eric Mangino

8:10 pm on Monday, January 28, 2013

I believe letting the Sierra clubs president to have a open forum in the way of a column against Patch terms of service his articles are bias misleading inaccurate
and incomplete . Building green in now way shape or form is cheaper it cost on average 30 - 40 percent more . No where is the fleecing of the victims being mentioned as way of insurance premiums . Go save hunterdon county go save the trees and pine barrens but for gods sake stay the hell off the shore . Oh by the way the governor. Adopted the new advised maps not the old 1980 maps . Any first year newspaper boy could research that .Where would you like all these people to live Tittel? I have a great idea why dont you get your gloves and some Sierra members and go clean some wetlands we cant manage now .

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proud

10:08 pm on Monday, January 28, 2013

Jeff, why don't you go get a real job

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jerseyswamps

3:54 am on Tuesday, January 29, 2013

Did Mr.Tittel join the Tea Party? All this concern about the financial burden on taxpayers. That's new. Can we remind YOU of the cost to taxpayers when you present your positions?
The Sierra Club's idea of sensible economic development is to walk away. Regarding our natural resources it's "don't use it, don't even walk on it". Maybe you can look at it from a distance as long as you get there by walking or riding your mule.

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firedup49

12:58 pm on Friday, February 1, 2013

Did Mr.Tittel join the Tea Party?
I do not think so, the Tea Party is the thorn in the side of Sierra club, EPA and other liberal groups

Some one sent this article from Mother Jones, for me to read. Sierra Club was included it this, hmm, Strange bed fellows

Revealed: The Massive New Liberal Plan to Remake American Politics

A month after President Obama won reelection, America's most powerful liberal groups met to plan their next moves. Here's what they talked about.

A month after President Barack Obama won reelection, top brass from three dozen of the most powerful groups in liberal politics met at the headquarters of the National Education Association (NEA), a few blocks north of the White House. Brought together by the Sierra Club, Greenpeace, Communication Workers of America (CWA), and the NAACP, the meeting was invite-only and off-the-record.

Liberal groups have joined forces around issues—and elections—before. Health Care for America Now (HCAN) was a megagroup formed to support Obama's health care reform bill in 2009. And in 2003, leaders from EMILY's List, Service Employees International Union (SEIU), AFL-CIO, and Sierra Club formed America Coming Together,
http://www.motherjones.com/politics/2013/01/democracy-initiative-campaign-finance-filibuster-sierra-club-greenpeace-naacp

I have spoken

5:48 am on Tuesday, January 29, 2013

Christie didn't create the FEMA maps, an Obama appointee did. Of course like all of Jeff's columns....Full of BS.

Jeff and his merry-men of nut-jobs (AKA as the Sierra Club) will do anything to support TAX TAX TAX.

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jerseytomato

9:33 am on Thursday, January 31, 2013

Great post! The NEW FEMA maps were complied by the Obama administration.

The Sierra Club is an extension of the EPA.

Scary. Very Scary.

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TR Voice of Reason

1:03 pm on Friday, February 1, 2013

@Jersey Tomato - It is really unsettling that both the Biggert-Waters Act of 2012 and the FEMA Maps, also of 2012, seem like they were created with the premonition that we were going to get slammed with a once in a life time storm? No Federal government agency in the past, has ever been so prepared to screw it's citizens as our current Administration with this Act and FEMA. Scary? More like petrified!

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Resident of Lacey

10:32 am on Saturday, February 2, 2013

Now that is barack's plan, but how did he get mom nature to help out?

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TR Voice of Reason

10:53 am on Saturday, February 2, 2013

@Resident of Lacey - I know that you have heard the term "God works in Mysterious Ways," well the same can be said for the Devil. I believe in good and evil, I think that many people do. The big word these days is "Karma," which is basically when things appear to happen for a reason but there is no rational explanation. Sorry but I don't believe in this many tragic coincidences in such a short period of time.

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proud

1:31 pm on Saturday, February 2, 2013

@resident/voice/tomato/Ihave, you folks are really starting to get this. The timing of Sandy was certainly uncanny, to say the least. The screwing was coming anyway, via the mention Biggert-Waters Act which was signed in to law last July by President OFEMA. The problem with this piece of federal legislation is that like Dodd-Frank, it is incomplete. The regulations are in place once the feds figure out what they are.The advisory maps are just that, though adopted by the state as a building standard. The effective maps which will dictate flood insurance premiums as they relate to elevation, will probably come out as preliminary maps in August. These maps are subject to appeal. You can be sure of one thing--they will be. After that however long period, the property owners that are being told they have to elevate and so on and so forth, will know what BFE's they are ACTUALLY dealing with. How FEMA , President OFEMA,Congress or the Governor can allow this to happen is mind boggling. Christie stated at the dreaded press conference when he adopted the advisory maps that waiting two to three years to rebuild the Jersey Shore is unacceptable to him. Well, Governor, we are the Jersey Shore(not Snookie and the hellacious boardwalks), and quite frankly, you Chris Christie, sold us all out. All New Jerseyans will see property devaluation like even Fannie Mae could not imagine. Educate yourselves everyone and inform your elected officials that this is not acceptable to you.

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Kim E

2:14 pm on Saturday, February 2, 2013

Please go to Facebook: StopFemaNow
Join us in this fight against the changes .We need numbers! Please tell your friends.

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proud

2:24 pm on Saturday, February 2, 2013

You can voice your concerns to your elected officials. Contact information is available at usa.gov. A good place to start would be with the list below, but don't forget your local, county ,and state representatives. Remember, every politician loves a vote, so let them know that you expect them to represent you. Do so early and often.

Contact Elected Officials

Call, e-mail, or mail U.S. state and federal elected officials and government agencies:
President Barack Obama and Vice President Joe Biden
U.S. Senators
U.S. Representatives
State Governors
State Legislators
Tweet a Message to Your Representatives
Contact Your Government, by Agency
Contact Your Government, by Topic

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Sherman,Frank retired teacher

3:53 pm on Saturday, February 2, 2013

proud hypocrite voted for Gov beach ball

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S. Bar

11:28 am on Tuesday, February 5, 2013

Fema was working on changing the maps prior to Sandy. I say class-action law suit. I just purchased my home a few years ago and prior to buying trusted FEMA and their maps. My house was 1 foot over advised elevation. I checked to be sure I could afford my flood insurance and moved forward. Now FEMA says they maps and advised elevation were not accurate and I need to raise my house 4 feet to pay $3,500/year. Since I did not get water in my house I don't qualify for any grants. I live in a small ranch, not on the water and can't afford to raise, pay $31,000 or even half of that in insurance and certainly can't sell. FEMA is the one who put my in this situation.
I trusted them and their "expertise" prior to making an offer on my home....I say we all sue.

kilowatt

11:39 am on Tuesday, January 29, 2013

My view is that the damages caused by natural disasters, their mitigation and prevention is a very serious matter in need of thoughtful discussion.

Given the losses to those directly affected by Sandy, the loss or reduction in rateables along the shore, as well as the activities of local governments, is going to be costly to all property tax payers in Ocean, Monmouth counties and to those affected in New York State. State taxes/services will also be affected because of the need for State agencies to just do their job (which they did and are doing).

Utility damages, especially above ground, will also greatly affect us. To ask JCP&L and others to prevent outages from these "100 year" storms will result in very high costs that will be passed on to the overall ratepayer, not just those in affected areas.

So, maybe the small steps that are now being taken, accompanied by non-political, thoughtful and knowledgeable studies will result in long term decisions and regulations that impact us all fairly.

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John Eric Mangino

11:48 am on Tuesday, January 29, 2013

@TR My house has been here since 1920 and will remain here and it was the government that put it here my house was the bay tender for the railroad trestle and causeway when they were built . Should we now tear down all these homes TR .. sell them to your buddies @Walther homes Aren't you the guy that said the numbers where being blown out portion that the number homes effected was less than 4000 . Care to eat your crow now our later .

You have no answers just criticism Explain how building green now adding 30 _ 40 percent higher costs a help with the burdens of the New Insurance Rates . what are people to do with there sub standard damaged homes . Perhaps over the long run yes they will save money I dont see it in the current homes that are built green . Only in heating and electric systems and types window you use. Long hall saving .

Where is the sierra club members i dont see them here in this wildness rich environment cleaning anything up .Out bird watching at the DUMPS . No trying to save there homes that where they are .

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Mick Foley

11:51 am on Tuesday, January 29, 2013

We need to move back 5 or 6 miles form the shore. It is a huge waste of taxpayer money to rebuild, If we dont do it now the ocean will do it in X years at what cost? Are you paying it all ? No. FEMA, fed gov, christie, give me money - yada yada yada.

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abc

11:55 am on Tuesday, January 29, 2013

Foley - who are you to tell people where to live? If privately funded, people should be able to rebuild however they like.

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kilowatt

11:58 am on Tuesday, January 29, 2013

If Private Money, to fund the overall cost to build and rebuild, I think "Foley" would agree with you!

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Mick Foley

12:12 pm on Tuesday, January 29, 2013

thank you kilowatt - you are correct. And i dont just mean the homes - the infrastructure - the police, fire, rescue - everything that is built and rebuilt on the public dime. I would rather keep my money than hand it over for that, earned income credits and welfare queens.

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Da Poppa

8:53 am on Thursday, January 31, 2013

Foley, are you insane? 6 miles? I live a mile and a half from the shore and have NEVER suffered flood damage. Another tree hugging loon trying to steal private property and place economic burdens on innocent citizens.

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Hunter Helmsley III

9:34 am on Thursday, January 31, 2013

He doesn't soudn like a tree hugger just someone who is tired of paying to rebuild peoples beach houses and beach towns over and over again. In the months after the sandy coverage I have heard soooo many times people saying in 100 years my house had never been flooded and now it was - so maybe you are next da-poopa. The point is that the shore line is moving back - it moves back and forth over the span of thousands of years and there is no sense planning only 50 years form now in 200 years your will be under the sea might as well move all of you idiots to higher ground now.

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jerseyswamps

7:47 pm on Friday, February 1, 2013

The cost of something to Jeff or taxpayers is the last thing he cares about. This is a religion to him. These are eco-terrorist. They'll shut down a whole industry and put hundreds or thousands of families out of work if they think it might make an owl happy.

Property Taxed 2 Death

12:51 am on Wednesday, January 30, 2013

Foley is corect. All NJ taxpayers as well as all ederal Tax Payers pay the cost for beach replentishment by private homes , and the costs to inbsurance companies for flood losses are paid by all of their insured clients through rate increases.

'Farm' preservation and open space preservation is mostly unused or unavailable to the general public, however now wouyld be the best time to buy up shore propertry and make it all public beach so we can stop dumping money into other peoples properties. If they don't want to sell now, then they should be told to make sure they have enough insurance because FEMA will not pay any more funds after this year to flood property along say 500' of the shore. It just does not make sense to keep rebuilding with taxpayer money, knowing in a few years it'll happen again

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WMS826

12:04 pm on Wednesday, January 30, 2013

Jeff just got the Hess refinery in Woodbridge closed down. Now 170 families have no income as well as all the store and delis nearby that the workers went to.

Oh, and gas will now become more expensive too for you people.

Great Job Jeff....

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I have spoken

12:15 pm on Wednesday, January 30, 2013

@WMS826....Look what else the Sierra Chud has done.....Got closed the Oyster Creek Necular plant. Many will lose their jobs. Do you have asthma? Remember the CFC inhaler the ONLY drug that actually worked.. Sierra Chud talked the FDA into discontinuing it because it harms the Ozone layer. It was replaced by the HFC inhaler that isn't productive whatsoever and more expensive. A proven drug that saves lives can't be used because of Ozone Layer. I have NO respect for Jeff and his group since the inhaler scam.

George Kasimos

1:47 pm on Wednesday, January 30, 2013

Dear Press, Public Officials and Flood Insurance Property Owners:
What we want are our Politicians to change;
1) A thorough re-evaluation of the flood zones, in a timely fashion.
2) Evaluating if we raise the dunes a few feet if it will significantly reduce all our flood levels and insurance premiums.
3) Getting quick answers as to who gets the mitigation grants, when they get the grant and for how much.
4) Creative ways to lower our flood insurance premiums
5) Grace period of a few years before the rise in flood insurance premiums
6) FEMA to notify all homeowners of the impending new flood insurance rates and elevation requirements

What we want from all Flood Insurance homeowners to do;
1) Copy and paste this email and send to your local, state, federal politicians and members of Press.
2) Form Coalition to protect our interests.
3) Spread the word to your neighbors

George Kasimos
www.facebook.com/StopFemaNow

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Michelle Finne Richardson

5:19 pm on Wednesday, January 30, 2013

Who are you jeff? Wrong again no facts christie has been great unlike corzine who lied and cheated! Get the facts then send those sierra guys to barnegat bay to help us clean up . All lip service, if someone disagrees w you then there an idiot? To use this as your personal platform is sad and you sir are misguided

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Ed Weigant

12:59 pm on Friday, February 1, 2013

What exactly has fat boy done?
do you know what the unemployment rate is in NJ?
How is the 2 % cap working out for ya ?
Tolls?

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Michelle Finne Richardson

2:51 pm on Sunday, February 3, 2013

Again ed such an interesting point, again reverting to 2 yrs of age. To answer your question, my job is an arborist. Second tolls do not mind because i work . Just because i do not agree with you doesnt mean your fat or dumb like you said of christie. If you sent out your fema right away and did not lie then you sould have got money. If you sit around waiting for hand outs then you are to blame!! I have a family, and want the best for my kids, i think we should all bear arms, and free speech, however when you call names like a child hoe do you expect your point to be taken.Help out everyone you can or just get out of the way NO EXCUSES PERIOD!

WMS826

7:45 pm on Wednesday, January 30, 2013

Does anyone see what a special interest group can do and get accomplished. The middle class is not organized and is not heard.

This guy is getting his way while the rest of us pay the frieght. Time we become our own special interest group.

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George Kasimos

8:11 pm on Wednesday, January 30, 2013

We have started our own special interest group for people who have FEMA flood insurance issues

www.facebook.com/StopFemaNow

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Michael Capo

10:51 am on Thursday, January 31, 2013

When any government lackey says they will "streamline procedures" and "cut red tape". What they mean is they will create 3 more agencies staffed by of 30 their friends, relatives and campaign contributors at 6 figure salaries and benefits to commission (not perform themselves) studies for 5 years to develope a set of procedures to streamline the previous procedures.

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WMS826

12:45 pm on Thursday, January 31, 2013

Now this guy is in the way of progress and JOBS in Morris County.

Please, lets all help Jeff turn the state into a welfare commune.

http://www.nj.com/morris/index.ssf/2013/01/mount_olive_hopes_to_fill_larg.html#incart_river_default

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John57

1:59 pm on Thursday, January 31, 2013

Didn't Al gore get his global warming lies, err facts from the Sierra Flub? The selling of his network to big oil Al Jazeera, just reaffirms the hypocrisy and lies regarding the entire environmental movement. But conservatives already knew this. Read Climate -Gate.

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Beach_N8iv

12:57 pm on Friday, February 1, 2013

Anyone who STILL denies global climate change should probably NOT be allowed out in public without a helmet and an escort.

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Ed Weigant

12:59 pm on Friday, February 1, 2013

Hows your fema claim John
was it a tropical storm? wind? rising ocean levels oh those pesky facts

Ed Weigant

12:59 pm on Friday, February 1, 2013

Maybe Gore got his "facts" from the same place Bush got his for the Iraq War

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WMS826

1:01 pm on Friday, February 1, 2013

So my question is this...while Jeffy boy puts us all out of work, just how much does he pull down through this sham charity.

What kind of connections has he made for favors and jobs, why can't we have a public record of his earnings.

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kilowatt

3:06 pm on Friday, February 1, 2013

So, I think we understand the problems/frustrations with all of this.

To me, the real question is by what means can we have an impact on:
1 - NJ, decisions/legislation and,
2 - Federal (FEMA, et.al. decisions/legislation.
3 - The Politics of all of this!
We can have a voice in this at those levels and the question is how.

I don't think bad mouthing our Governor (who is very popular) is going to influence the majority to listen to our views. I do think that if we can come up with a forum that can legitimize our thoughts, can have a huge impact on the decision making process.

So, let's get "serious" about this!

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proud

5:38 pm on Friday, February 1, 2013

Bailouts aside, FEMA is not too big to fail The N F I P certainly isn't. Yet, they both have over and over again, and at many levels. The N F I P is a monopoly, or at the very least, an oligopoly. That it exists, undermines the free market system, that is the backbone of America. Surely, our legislative leaders are aware of the Sherman Act:

[The Sherman Act is divided into three sections. Section 1 delineates and prohibits specific means of anticompetitive conduct, while Section 2 deals with end results that are anticompetitive in nature. Thus, these sections supplement each other in an effort to prevent businesses from violating the spirit of the Act, while technically remaining within the letter of the law. Section 3 simply extends the provisions of Section 1 to U.S. territories and the District of Columbia.]

Apparently, our "leaders" haven't gotten wind of section three yet.

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Ed Wiegant

5:55 pm on Friday, February 1, 2013

kinda like Comcast Frankie?

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kilowatt

6:01 pm on Friday, February 1, 2013

So, how can we get "our leaders" to get wind of this,

We've got to figure out a way to quit griping and get to them "our leaders" in an influencial way!

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Michael Capo

9:37 am on Sunday, February 3, 2013

proud...you have a good idea. The problem here is that the private insurers (allstate, prudential etc etc ) don't want the flood business. Its too risky according to them and not profitable. The riskiness of living at the shore caused Travelers to stop selling hazard (wind) insurance on the island. The NFIP was created to provide flood insurance at what was once reasonable rates. Now unfortunately thats changing.

michael mirra

9:03 pm on Friday, February 1, 2013

Don't complain about Christie. I live in Florida. We have Rick Scott. Believe me, be thanksful for what you have.

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George Kasimos

9:40 pm on Friday, February 1, 2013

Are you guys in fla having the same issues with raising your homes and substantial flood insurance increases

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michael mirra

7:42 am on Sunday, February 3, 2013

I just stopped buying home insurance about ten years ago. It went through the roof about 10 years ago & I just don't buy it anymore. Floods are only a problem if you live on waterfront. I live about 2 miles from the coast. I don't believe in flood insurance. I do live in what's called the 100 years fllood plain. That means that it floods about once every 100 years. It hasn't flooded for about 150 years, so it may be about due. I roll the dice & cross my fingers, but save a lot of $ on insurance.

Project Bluebeam

2:10 am on Sunday, February 3, 2013

Hey Jeff: the F in FEMA stands for FEDERAL. It's one of those pesky little agencies run by that guy you worship, Obama. Don't bitch about Christie. Your argument has no merit.

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michael mirra

7:37 am on Sunday, February 3, 2013

I live 1000 miles from Jerey. I always hated Christie until lately. Now he seems OK. To bad he's a Republican, but there's signs of common sense in him. He seems to care about his state. He can't please everyone. The truth about a politician's lot is that everything they do, no matter what it is, they alignate half the people.

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Michelle Finne Richardson

2:59 pm on Sunday, February 3, 2013

All these grown men calling our gov names, you guys need counseling. Second guys like jeff who do not help out just mouth out ideas i have no use for. Fema was a big help but we didnt take more than we needed. Most of the people that disagree with the gov have no argument at all. But you should respect his office. I do not agree with most of obamas plans but i do respect his office

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foggyworld

5:48 pm on Monday, February 4, 2013

I have huge problems with what is going on with the new height elevations. We built our house in 1998 - not to Fema specs - but to a combination of building codes from the outer banks of NC and Florida coastal building regulations. This was done with a top architect who understood we wanted to build the best hurricane prevention house possible.

We are on 10' pilings and did absolutely everything the American Association of Architects has worked up for those very badly and chronically hit areas down south. Today my husband found out that even though we stayed through the storm and the house was dry, we now have to build up four more feet to satisfy what Berkeley Township wants.

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foggyworld

5:54 pm on Monday, February 4, 2013

We live on the bay in an area fronted by 3' of water and while many of our neighbors' homes were flooded it was because they had started out as fishing cabins in the 1950's and were converted into mainly summer homes. They on the ground were hit with 2' of water. Most of those folks want to return but on the side of this area that is fronted by a Lake, the new height requirement is 10' pilings because we all have been labeled as class V homeowners. Problem is that that V was developed for oceanfront and Gulf front housing - not houses on a shallow bay.

I finally looked at the new fema map and on the photograph layer found that our house now with a black mark, was rated based on an empty lot that we did buy and build on. Out of date is not the word for the data being used. And our beach has tripled because the Army Corps of Engineers dumped zillions of tons of sand on the beaches of the rich and famous of LBI. The sand thought better of that and came in the inlet and graced us with a much larger beach than is shown on the Fema map.

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foggyworld

6:00 pm on Monday, February 4, 2013

So based on data from a probably twenty year old photo of an empty lot and without any information about this extraordinarily built hurricane prevention house, not only will we now face insurance bills that only one percenters can afford but to that we are supposed to look at paying for the hoisting of this house with an extremely heavy trussed roof so that four more feet can be added to the height of this house. Our roof is at the maximum now so I guess we are also going to be required to chop of the short attic that holds that trussed roof.

I wrote to Fema and they say they got their data from Berkeley Township but the town says it's Fema's stuff. And Governor Christie says let's all jump aboard on these truly pie in the sky pilings that our house proved we do not need. Structural engineers are saying people in our situation would be endangering the stability of a very strong house if we went through the mandates of this town which the Governor also supports.

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foggyworld

6:07 pm on Monday, February 4, 2013

What is really at fault here is the flimsy building codes that this town has kept in out of date order for decades. Builders didn't want to have to put the relatively small amounts of money into better built homes because they wanted to keep their selling prices down. Builders are great at sending campaign donations and so people not realizing what was going on, just tried to keep abreast of the codes that emanated from our very well paid civil servants and elected ones as well.

People on our local payroll don't seem up to the job so the town has hired a not inexpensive engineering firm to determine the fate of the displaced as well as those who made it through the storm. From where all of us in my neighborhood sit, we are being programmed to fail by people from fema, the State, the County and the Town and if this continues on between the empty strip malls and the terrain that looks like a war zone, Bayville and Berkeley will just sink further in the list of good places to live. Meanwhile better run towns like Lacey and Belmar and many others are busy maxing out all of the grant money around while they are also busy trying very hard to help those who were hurt so badly.

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foggyworld

6:11 pm on Monday, February 4, 2013

So many letters to the Patch blame the residents when it would be much more appropriate to blame Town Hall which caved time after time to any builder around. The displaced people did live up to the laws in place and now want to rebuild but that means paying their old mortgages, slightly reduced taxes that will skyrocket when they complete their new homes, unbelievable class V insurance premiums for houses 10' or 14' in the air, and of course the Fema loan which is for some reason coming from the SBA (?) and that payment will be added to their current mortgages.

The despair caused by the mismanagement and overreaction to a one in a hundred year storm is literally taking years of people's lives. There are no straight answers coming from anywhere and no a single dime has been paid to any of my neighbors.

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foggyworld

6:18 pm on Monday, February 4, 2013

The so called fema money was given to the displaced who had no nearby friends or relatives to take them in. Those housing accommodations have been sub par and fine if you are prepared to live in Section 8 housing say in Camden.

It's time for the truth. I would love to hear from any and all of our representatives or people we are paying to mismanage all of this to find out what the ultimate goal is. We out here have all paid our very high taxes on time, we have no children in the school system and basically get once a week garbage pick up and three day late snow removal for all the bucks we send to Town Hall.

My question is simple. Who are you folks working for and please if you want us gone which is what we feel, just confirm it so we can go on with our lives elsewhere. It's no wonder NJ is a major laughing point for the rest of this nation. Things are a mess. Things are corrupt. No one is trying to change that atmosphere and it is smothering many decent people.

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Bayshore Bill

11:12 am on Tuesday, February 5, 2013

seen christie on letterman last nite he said build up or your going to high ins. costs .It seems they are trying to squeeze people out and the one s that hang on and rebuild the ins will kill people in the long term who ever is left wont be many might be bought out to leave

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Beach_N8iv

11:16 am on Tuesday, February 5, 2013

Tubby Mc Fleecejacket wants that property for his Country Club Cronies and he doesn't want them to have to spend a lot of money for it. The ones who DO stay will have to please the Bully In Chief's Big Insurance Masters.

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Spooner

1:50 am on Wednesday, February 6, 2013

Beach- just remember that the properties out in the Hamptons are getting rarer and rarer for all those rich entourages coming into New York from all over, buying up multimillion dollar condos going up in Manhattan. They will need summer homes. . .and where better to find them. . . than the Jersey Shore!

George Clark

11:31 am on Tuesday, February 5, 2013

Can't the forces that be, ie fema government insurance programs, just come out with a few simple numbers to see how much the owners of these vunerable beach homes pay in comparison to the billions going to keep rebuilding them for all others stuck picking up the huge differences in the two.

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S. Bar

11:33 am on Tuesday, February 5, 2013

Fema was working on changing the maps prior to Sandy. I say class-action law suit. I just purchased my home a few years ago and prior to buying trusted FEMA and their maps. My house was 1 foot over advised elevation. I checked to be sure I could afford my flood insurance and moved forward. Now FEMA says they maps and advised elevation were not accurate and I need to raise my house 4 feet to pay $3,500/year. Since I did not get water in my house I don't qualify for any grants. I live in a small ranch, not on the water and can't afford to raise, pay $31,000 or even half of that in insurance and certainly can't sell. FEMA is the one who put my in this situation.
I trusted them and their "expertise" prior to making an offer on my home....I say we all sue.
...

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Bayshore Bill

11:56 am on Tuesday, February 5, 2013

has anybody out there have any good things to say about fema govt.s help or is it like there steping on you to keep you down ! Hey if you flooded now that one thing but if you did not come on there s adifference fema govt doesnt see it one size fits all squeeze everybody with costs till they leave

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George Kasimos

5:48 am on Wednesday, February 6, 2013

Bayshore Bill,

You have been a patient man. Over 100 days of patience. I was fed up with FEMA a few weeks ago. And so have over 300 people who LIKE www.Facebook.com/StopFemaNow .

We are a grass roots organziation who are pushing our politiicians to get FEMA to get us the updated flood maps, lower the new flood insurance rates and be responsive to us.

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Nautigal

12:38 pm on Saturday, February 9, 2013

Stop validating these maps and/or FEMA. Get the grant money and work on state or private flood insurance - the federal subsidies are ending anyway. WHAT good has FEMA done here? They're ending the subsidies but still wanna tell us what to do? Just say no! The townships get the say in where the hazard mitigation money goes. Get the money and end this dysfunctional relationship NOW. There's huge conflict of interest. Don't 'dispute' the maps, giving credence to them. Reject them Deny them. Invalidate them.

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kilowatt

1:39 pm on Saturday, February 9, 2013

It's all about affordability and risk taking!.

Here's my bottom line on this:

Regardless of where you live or conduct business, your investment needs to be, is required to be, protected by insurance. Dependent upon location/risk, you obtain coverage as you see fit (as approved by your lender) at the agreed upon rate(s). When you need to make a claim, the insurance company provides the payout based upon that coverage and that's it.

No FEMA, no SBA, no "hardship cases", no nothing, just the private insurance payout. Basically, what you (agreed to by your lender) contracted for with the insurance company.

The ball would solely be in the property owners/small business, lenders and the Insurers court, not governments. Governments would now basically only be required to enforce local codes, rebuild their own infrastructures and have few responsibilities for the home/business owners claims/damages.

Re: risk taking. Why should the government be responsible to subsidize the rebuilding of areas affected by natural disasters, that are built in "bath tubs". Re: Katrina damages in New Orleans.

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Resident of Lacey

4:23 pm on Saturday, February 9, 2013

Re: kilowatt

Clearly you live in a bubble all your own, because if it was all as you claim the insurance providers would have understood the risk they put themselves at when the wrote the policy and be prepared to pay accordingly however that is not how it actually works. The insurers do prepair themselves not to cover the insured losses but to look for way to not meet their obligation to their customers because they have more important obligations to the share holders so they look for all possible ways to get out of paying on what they promised to pay, although the insured paid as agreed; the insurance company does not.

Spooner

5:07 pm on Saturday, February 9, 2013

...it sounds so simple on paper that's written here, but who will put the money up to fund the private flood insurance syndicates? Are you ready to invest! Those private insurance companies that write flood insurance are agents of FEMA. FEMA funds the insurance claims with borrowed money. FEMA has been in red ink since Katrina, and now with the additional Congressional appropriations of around $60B, that will add more to the debt...There were members of Congress who voted against it because for one: having to do with past FEMA claims not being funded in their locales for previous declared disasters...there still waiting. Kind of a "catch 22". . . thanks to Congress.

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