Chapter
1
Appraisal
and Property Requirements
Page
1-18j
Code
of Federal Regulations (CFR)
200.926d(b)(3) requires that the property shall be free of those
foreseeable hazards or adverse condition which may affect the health
and safety of the occupants or the structural soundness of the property.
It has been determined that this includes properties in avalanche
slide or run-out areas.
Property
located in either the Red or Blue Zones are ineligible for FHA insurance
and should be rejected. Red Zones (Black/extreme on some maps) are
those that have positive danger and are in the path of a routine
slide (less than a 100 year occurrence probability). Blue Zone (Red/high
on some maps) is an area identified as having the potential for
snow blast damage in a 100 year slide but limited probability to
cause severe damage to a structure. More on these zones can be found
at the free web sites listed as references below.
Due
to the extreme hazards to the health and safety of the occupants,
the Department will not entertain request for waivers of this requirement
unless it has been determined that construction of diversionary
structures (engineered and constructed in accordance with plans
by an approved Avalanche Specialist) have been constructed.
Reference:
"Mears Avalanche Assessment for Anchorage", Avalanche
Zoning by Art Mears and "City (Juneau) and Borough Avalanche Assessment" and
United States Avalanche Danger Descriptors.
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