Flood Damage >> Flood Insurance Rates

What is the maximum that can be collected for a loss under the NFIP policy? An insured will never be paid more than the value of the covered loss, less deductible, up to the amounts of insurance purchased. Therefore, purchasing insurance to value is an important consideration. The amount of insurance a property owner Flood Insurance Rates needs should be discussed with an insurance agent or broker. 

What is the role of the community in floodplain management? When a community chooses to join the NFIP, it must adopt and enforce minimum floodplain management standards for participation. FEMA works closely with state and local officials to identify Flood Insurance Rates hazard areas and flood insurance rates risks. 

The floodplain management requirements within the Special Flood insurance rates Hazard Area (SFHA) are designed to prevent new development from increasing the flood insurance rates and to protect new and existing buildings from anticipated flood insurance rates. When a community chooses to join the NFIP, it must require permits for all development in the SFHA and ensure that construction materials and methods used will minimize future Flood Insurance Rates. 

Permit files must contain documentation to substantiate how buildings were actually constructed. In return, the Federal Government makes flood insurance rates available for eligible buildings and their Flood Insurance Rates contents within the community. Communities must ensure that their adopted floodplain management ordinance and enforcement procedures meet program requirements. 

Local regulations must be updated when additional Flood Insurance Rates data are provided by FEMA or when Federal or state standards are revised. 73. Do state governments assist in implementing the NFIP? At the request of FEMA, each governor has designated an agency of state or territorial government to coordinate that state's or territory's NFIP activities. 

These agencies often assist communities in developing and adopting necessary floodplain management measures through a grant from FEMA through the Community Assistance Program, Flood Insurance Rates State Support Services Element (CAP-SSSE). Some states require more stringent measures than those of the NFIP. 

For contact information, see the list of "State NFIP Coordinating Agencies" starting on page 47 of this book. 74. Do Federal requirements take precedence over state requirements? The regulatory requirements set forth by FEMA are the minimum measures acceptable for NFIP participation. More stringent requirements adopted by the local community or state take precedence over the minimum regulatory requirements established for Flood Insurance Rates availability. 

FEMA supports state-initiated enforcement actions of higher standards by providing technical Flood Insurance Rates assistance and initiating FEMA enforcement actions where appropriate. If a state chooses not to enforce its own regulations, FEMA shall limit its enforcement actions to compliance with NFIP criteria; or, after all technical assistance has been exhausted.

FEMA may strongly suggest that the provision be omitted from state law until adequate progress can be shown that the provision is being fully enforced. 75. What is meant by "floodplain management measures"? "Floodplain management measures" refers to an overall community program of corrective and preventive measures for reducing future Flood Insurance Rates. 

These measures take a variety of forms and generally include zoning, subdivision, or building requirements, Flood Insurance Rates and special-purpose floodplain ordinances. 76. Do the floodplain management measures required by the NFIP affect existing buildings? The minimum Federal requirements affect an existing building only when it is substantially damaged or improved. 

There may also be situations where a building has been constructed in accordance with a local floodplain management ordinance, and the owner subsequently alters it in violation of the local building code, Flood Insurance Rates without a permit. Such unapproved modifications to an existing building may not meet the minimum Federal requirements. 

A floodplain management ordinance should define "existing construction" as, for the purposes of determining Flood Insurance Rates, structures for which the "start of construction" commenced before the effective date of the FIRM or before January 1, 1975, for FIRMs effective before that date. 

What constitutes "substantial improvement" or "substantial damage"? "Substantial improvement" means any rehabilitation, addition, Flood Insurance Rates or other improvement of a building when the cost of the improvement equals or exceeds 50 percent of the market value of the building before start of construction of the improvement. 

The term includes buildings that have incurred "substantial damage," which means damage of any origin sustained by a building when the cost of restoring the building to its pre-damaged condition would equal Flood Insurance Rates or exceed 50 percent of the market value of the building before the damage occurred. Substantial damage is determined regardless of the actual repair work performed. 

Substantial improvement or damage does not, however, include any project for improvement of a building to correct existing violations of state or local health, sanitary, Flood Insurance Rates or safety code specifications identified by local code enforcement officials as the minimum specifications necessary to ensure safe living conditions. 

Also excluded from the substantial Flood Insurance Rates improvement requirement are alterations to historic buildings as defined by the NFIP. 78. Do the floodplain management requirements apply to construction taking place outside the SFHAs within a community? The local floodplain management regulations required by the NFIP apply only in SFHAs. 

However, communities may regulate development in areas of moderate Flood Insurance Rates hazard. 79. Can modifications be made to the basic floodplain management requirement? In developing their floodplain management ordinances, participating communities must meet at least the minimum regulatory standards issued by FEMA. 

NFIP standards and policies are reviewed periodically Flood Insurance Rates and revised whenever appropriate. If communities are having difficulty developing an ordinance that is compliant with the minimum regulatory standards, they should contact their state NFIP Coordinator and appropriate FEMA Regional Office. 80.Does elevating a structure on posts or pilings remove a building from the SFHA? 

Elevating a structure on posts or pilings does not remove a building from the SFHA. If the ground around the supporting posts or pilings is within the floodplain, Flood Insurance Rates the building is still at risk. Ground saturation can lead to decreased load-bearing capacity of the soil supporting the posts or pilings, which can lead to partial or full collapse of the structure. 

Flood Insurance Rates will be required as a condition of receipt of Federal or federally regulated financing for the structure. FEMA recommends securely elevating structures above the SFHA to reduce the risk to life and property, and has established a rating structure that could result in significant savings in premium costs for those who elevate. 

Where can additional information on floodplain management requirements of the NFIP be found? Hazard Assessment and Mapping Requirements 82. What is the Flood insurance rates Study (FIS) process? To determine what the flood insurance rates hazards are for an area, FEMA performs an engineering study called a Flood Insurance Rates Study (FIS). 

An FIS studies shallow flood insurance rates areas and flood insurance rates hazard areas along rivers, streams, coasts, and lakes. An FIS is based on different information, Flood Insurance Rates including: Historic information (such as river flow, storm tide, and rainfall data); Meteorologic data; Topographic data; Hydrologic data; Hydraulic data; Open-space conditions.

Flood-control works; and Development. The results of the FIS are shown on FEM's Flood Insurance Rates maps called Flood insurance rates Rate Maps, or FIRMs, and in the accompanying description of the study called an FIS report. FIRMs and FIS reports are available through the Map Service Center.

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