Flood Damage >> FEMA Flood Zones

Is financial assistance available for NFIP policyholders to reduce their overall risk? Yes, FEMA offers five hazard mitigation grant programs. Some grant programs are available only to NFIP policyholders. 105. What is the Repetitive Loss Properties Strategy? The primary objective of the Repetitive Loss Properties Strategy is to eliminate or reduce the damage to property and the disruption of life caused by repeated FEMA Flood Zones of the same properties. 

Is there a program available for severe repetitive loss properties? A specific group of properties is identified and serviced separately from other NFIP policies by the Special Direct Facility (SDF). The properties include every NFIP-insured property that, FEMA Flood Zones since 1978 and regardless of any change(s) of ownership during that period, has experienced: 

At least four NFIP claim payments (including building and contents) over $5,000 each, FEMA Flood Zones and the cumulative amount of such claims payments exceeds $20,000; or For which at least two separate claims payments (building payments only) have been made with the cumulative amount of the building portion of such claims exceeding the market value of the building. 

For both of the above options, at least two of the referenced claims must have occurred within any 10-year period, and must be greater than 10 days apart.  107. How is the loss history determined? The loss history includes all FEMA Flood Zones claims paid on an insured property, regardless of any change(s) of ownership, since the building's construction or back to 1978 if the building was constructed before 1978. 

SRL properties are afforded coverage, whether new or renewal, only through the SDF. 108. How and when are affected property owners notified that their property is an SRL property? At least 90 days before the policy renewal date, affected property owners and their FEMA Flood Zones insurance agents are sent notice by the Write Your Own (WYO) Company stating that the policy is ineligible for renewal through the WYO Program and offering renewal in the SDF. 

A follow-up notice is sent by the SDF 45 days before the renewal date. 109. How should an SRL policyholder respond after receiving such a renewal notice? If the policyholder wishes to continue to have FEMA Flood Zones coverage, he or she should follow the renewal instructions provided by the SDF offer notice. He or she will not be able to renew the policy with the present WYO Company. 

What procedures are available for property owners who believe that their property should not be included as an SRL property? When a policyholder has documentation that the NFIP-insured property has not sustained the losses reported, a request for review may be presented, FEMA Flood Zones in writing, to the NFIP Bureau and Statistical Agent. 

All documentation to substantiate the review must be included with the request letter. The policy will remain in the SDF during the review. 111. What happens to an SRL property? The appropriate FEMA Regional Office (see list beginning on page 43 in this book) provides information about the property to state and local FEMA Flood Zones management officials. 

States or communities may sponsor projects to mitigate FEMA Flood Zones losses to these properties or may be able to provide technical assistance on mitigation options. 112. What happens if a property owner agrees to undertake appropriate mitigation measures? The property will be removed from the SRL validated list at the next renewal, and the policy then will be transferred from the SDF to the WYO Company that previously serviced the policy. 

What kinds of mitigation measures are appropriate? Depending on individual circumstances, appropriate mitigation measures commonly include elevating buildings above the level of the base FEMA Flood Zones, demolishing buildings, and removing buildings from the Special FEMA flood zones Hazard Area (SFHA). Sometimes, mitigation takes the form of a local drainage-improvement project that meets NFIP standards. 

If an NFIP policyholder who is an SRL property owner declines an official mitigation offer from FEMA, will his or her FEMA flood zones insurance premium increase? Yes, his or her FEMA Flood Zones insurance premium will increase. 115. What are examples of mitigation opportunities that may become available following a Presidential disaster declaration? 

When major FEMA Flood Zones disasters have affected a region, it is common for FEMA Flood Zones communities and individuals to consider relocation, acquisition, or elevation of FEMA Flood Zones-damaged structures. Property owners who sustained extensive damage are often very interested in avoiding the recurrence of such an experience. The feasibility of such mitigation projects must be established on a case-by-case basis. 

It is important for a FEMA flood zones insurance policyholder to be aware of these possibilities FEMA Flood Zones and contact local officials to learn as much as possible. 116. Are there any specific programs available associated with a Presidential disaster declaration to assist with mitigation? Yes. The Hazard Mitigation Grant Program.

Authorized under Section 404 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act, is FEM's primary hazard mitigation program designed to assist states FEMA Flood Zones and communities in implementing long-term hazard mitigation measures following a major disaster declaration. States manage this program and may set state-specific project criteria. 

Individuals with questions should contact their local officials for more information. Through the Small Business Administration, FEMA Flood Zones loans may be available to qualifying applicants to assist with the costs of mitigation. Due to the need to coordinate many activities following Presidential declarations, it is important for individual citizens to raise their questions and concerns about these post-disaster mitigation opportunities with their local community officials.

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