Bintz v. The Federal Emergency Management Agency

CourtDistrict Court, D. Delaware
DecidedFebruary 3, 2025
Docket1:22-cv-00738
StatusUnknown

This text of Bintz v. The Federal Emergency Management Agency (Bintz v. The Federal Emergency Management Agency) is published on Counsel Stack Legal Research, covering District Court, D. Delaware primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Bintz v. The Federal Emergency Management Agency, (D. Del. 2025).

Opinion

IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF DELAWARE

EDWARD E. BINTZ, ) ) Plaintiff, ) ) v. ) C.A. No. 22-738-GBW-EGT ) THE FEDERAL EMERGENCY ) MANAGEMENT AGENCY, THE ) DEPARTMENT OF HOMELAND ) SECURITY and CAMERON HAMILTON, ) ) Defendants. )

REPORT AND RECOMMENDATION Presently before the Court is the motion for summary judgment by Plaintiff Edward E. Bintz (“Plaintiff” or “Mr. Bintz”) (D.I. 21) and the cross-motion for summary judgment by Defendants Federal Emergency Management Agency (“FEMA”), Department of Homeland Security (“DHS”) and Cameron Hamilton (collectively, “Defendants”) (D.I. 23). For the reasons set forth below, the Court recommends Plaintiff’s motion for summary judgment be DENIED and Defendants’ motion for summary judgment be GRANTED. I. BACKGROUND1 FEMA is responsible for conducting flood insurance studies and creating flood insurance rate maps that cover real property based on those studies. See 42 U.S.C. §§ 4011 & 4101; see also 44 C.F.R. § 64.3. During a flood insurance study,2 FEMA divides land into subsections and

1 A more detailed discussion of the technical concepts underlying this action may be found in the prior case between the parties. See generally Bintz v. Fed. Emergency Mgmt. Agency, 413 F. Supp. 3d 349 (D. Del. 2019) (“Bintz I”). The Court limits its background discussion to only those concepts necessary to understand the dispute herein. 2 Although the Code of Federal Regulations predominantly use the term “flood hazard study,” the terms “flood hazard study” and “flood insurance study” are synonymous. evaluates the flood risk for each subsection separately to determine the risk premium rates. For over a decade now, Plaintiff and FEMA have been embroiled in a dispute related to unfavorable flood risk determinations for Plaintiff’s beachfront property in downstate Delaware. Generally, the process by which FEMA conducts a coastal flood insurance study is

multistage and takes into account coastal morphology and historical trends, with the ultimate goal being to determine an area’s base flood levels.3 (AR 1737).4 The process begins with FEMA identifying the particular base topography to be used in the study. (D.I. 26 at 3; D.I. 24 at 4; see also AR 2309). FEMA then identifies stillwater elevation levels, which are water surface elevations that occur from astronomical tides and storm surge but exclude certain wave contributions. (D.I. 26 at 3; AR 2028). At that point, FEMA divides the beach at issue into individual transects, which are cross-sections of the beach that run perpendicular to the shoreline. (D.I. 26 at 2; D.I. 24 at 4). Then, FEMA identifies any primary frontal dune present on each transect. (Id.). A primary frontal dune is a mound of sand that is noticeably steeper than the surrounding sand next to the beach and without another large dune in front of it facing the ocean.5

(D.I. 26 at 4). After attempting to identify a primary frontal dune, FEMA then takes into account potential erosion of the dune before calculating each transect’s base flood elevation. Potential erosion of the primary frontal dune depends on its size. (D.I. 26 at 4-5). In estimating potential erosion,

3 The parties are largely in agreement as to the process that FEMA uses to conduct a flood insurance study. (Compare D.I. 26 at 3-8 (Plaintiff’s recitation of the process), with D.I. 24 at 4 (Defendants’ summary of the process)). 4 “AR” citations are to the Administrative Record filed in this case. (See D.I. 11, 16 & 20).

5 The Code of Federal Regulations defines a primary frontal dune as “a continuous or nearly continuous mound or ridge of sand with relatively steep seaward and landward slopes immediately landward and adjacent to the beach and subject to erosion and overtopping from high tides and waves during major coastal storms.” 44 C.F.R. § 59.1. FEMA’s standard methodology focuses on the size of the cross-sectional area of the primary frontal dune above the 1% annual-chance stillwater elevation. (AR 1868). If that cross-sectional area is less than 540 square feet, the primary frontal dune will be considered an ineffective barrier to flooding and will be destroyed in FEMA’s erosion calculations – i.e., “dune removal.” (AR 1871).6 If, however, the cross-sectional area is greater than 540 square feet, the primary frontal

dune will be considered an effective barrier and will experience a retreat instead of complete destruction – i.e., “dune retreat.” (Id.). FEMA then calculates the total potential elevation of surface water expected during a base flood, accounting for the erosion of the primary frontal dune, certain wave contributions and the relevant stillwater elevation, ultimately arriving at the water level where there is a 1% chance of the surface water reaching in any given year. (D.I. 26 at 8). This level is defined as the base flood elevation. Properties built below the base flood elevation and in high-risk zones often carry a greater risk of flooding and higher insurance premiums. Plaintiff owns a beachfront property in South Bethany, Delaware, which is located along Ocean Drive and within an area identified as Transect 1610. (D.I. 1 ¶ 14). In 2015, FEMA issued

a Preliminary Flood Insurance Rate Map that had the effect of increasing the base flood elevation of Transect 1610 from 12 feet to 13 feet.7 (See D.I. 1 ¶ 36). Plaintiff challenged the 2015 Preliminary Map in a related case in this District and, on September 4, 2019, Judge Conner8 issued a decision that “set aside the base flood elevations for Transect 1610 as established in the 2015

6 Owing to the 540-square-foot standard, this rule is often referred to as “the 540 Rule.” 7 Originally, a 2013 Preliminary Flood Insurance Rate Map assigned a base flood elevation of 10 feet to Transect 1610. (D.I. 1 ¶ 35). FEMA amended the base flood elevation to 13 feet but ultimately revoked and replaced that rate map with the 2015 Preliminary Flood Insurance Rate Map. (Id.). Prior to the 2013 map, the base flood elevation assigned to Transect 1610 was 12 feet pursuant to a 2005 Flood Insurance Rate Map. (D.I. 24 at 5-6). 8 Judge Christopher C. Conner of the Middle District of Pennsylvania, then Chief Judge, was sitting by designation in the earlier related case. Preliminary Map and remand[ed] the matter to FEMA for further investigation.” Bintz, 413 F. Supp. 3d at 368. Specifically, Judge Conner found that FEMA acted arbitrarily and capriciously when it applied non-standard erosion methodology without sufficient explanation to arrive at a 13- foot base flood elevation for South Bethany. Id. at 366.

Following remand in Bintz I, on January 3, 2020, FEMA issued a “Notice to Flood Insurance Rate Map (FIRM) User,” which had the effect of vacating the 2015 Preliminary Flood Insurance Rate Map and reinstating the most recent previously effective map. (AR 0016). Accordingly, the 2005 Flood Insurance Rate Map that set the base flood elevation for South Bethany at 12 feet became effective again. (See, e.g., AR 0367-68 & 0404). Although FEMA had originally intended to defer any repeat flood insurance study, FEMA decided to resume efforts after learning in April 2020 that property owners in South Bethany experienced large increases to their flood insurance premiums from reinstatement of the 2005 Flood Rate Insurance Rate Map. (AR 0004, 0364-68, 0382, 1580-81, 2500 & 3793-94).9 FEMA engaged a private firm, Compass, as its mapping partner to conduct the repeat flood

insurance study for South Bethany.

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