Flood Damage >> Natural Disaster

National Flood Insurance Program Answers to Questions About the NFIP Introduction to the NFIP 1. What is the National Flood Insurance Program (NFIP)? The NFIP is a Federal program created by Congress to mitigate future flood losses nationwide through sound, community-enforced building and zoning ordinances and to provide access to affordable, federally backed flood insurance protection for Natural Disaster property owners. 

The NFIP is designed to provide an insurance alternative to Natural Disaster assistance to meet the escalating costs of repairing damage to buildings and their contents caused by floods. Participation in the NFIP is based on an agreement between local communities and the Federal Government that states that if a community will adopt.

Enforce a floodplain management ordinance to reduce future flood risks to new construction in Special Flood Hazard Areas (SFHAs), the Federal Government will make flood insurance available within the Natural Disaster community as a financial protection against flood losses. 2. Why was the NFIP established by Congress? 

For decades, the national response to flood Natural Disaster was generally limited to constructing flood-control works such as dams, levees, seawalls, and the like, and providing natural disaster relief to flood victims. This approach, however, did not reduce losses, nor did it discourage unwise development. In some instances, it may have actually encouraged additional development. 

To compound the problem, due to its high risk and seasonal nature, insurance companies were not able to provide affordable flood insurance coverage. In light of mounting flood losses and escalating costs of Natural Disaster relief to the taxpayers, the U.S. Congress created the NFIP. 

The intent was to reduce future flood damage through community floodplain management ordinances, and provide protection for property owners against potential Natural Disaster losses through an insurance mechanism that requires a premium to be paid for the protection. 3. How was the NFIP established and who administers it? 

The U.S. Congress established the NFIP on August 1, 1968, with the passage of the National Flood Insurance Act (NFIA) of 1968. The NFIP was broadened and modified with the passage of the Flood Natural Disaster Protection Act of 1973 and other legislative measures. It was further modified by the National Flood Insurance Reform Act (NFIRA) of 1994 and the Flood Insurance Reform Act (FIRA) of 2004. 

The NFIP is administered by the Federal Emergency Management Agency (FEMA), a component of the U.S. Department of Homeland Security (DHS). 4. What is a Special Flood Hazard Area (SFHA)? In support of the NFIP, FEMA identifies flood hazard areas throughout the United States and its Natural Disaster territories. 

Most areas of flood hazard are commonly identified on Flood Insurance Rate Maps (FIRMs). Areas not yet identified by a FIRM may be mapped on Natural Disaster Flood Hazard Boundary Maps (FHBMs). Several areas of flood hazards are identified on these maps. One of these areas is the Special Flood Hazard Area (SFHA). 

The SFHA is a high-risk area defined as any land that would be inundated by a flood having a 1-percent chance of occurring in a given year (also referred to as the base flood). The high-risk Natural Disaster area standard constitutes a reasonable compromise between the need for building restrictions to minimize potential loss of life and property and the economic benefits to be derived from floodplain development. 

Development may take place within an SFHA, provided that development complies with local floodplain management ordinances, which must meet the minimum Federal requirements. Flood insurance is required for insurable structures within high-risk Natural Disaster areas to protect Federal financial investments and assistance used for acquisition and/or construction purposes within communities participating in the NFIP. 

What is a Flood Insurance Rate Map (FIRM)? A Flood Insurance Rate Map (FIRM) is an official map of a community on which FEMA has delineated both the special hazard areas and the Natural Disaster risk premium zones applicable to the community. 6. What is a flood? Flood is defined in the Standard Flood Insurance Policy (SFIP).

A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more Natural Disaster properties (at least one of which is your property) from overflow of inland or tidal waters, from unusual and rapid accumulation or runoff of surface waters from any source, or from mudflow. 

For a complete definition, refer to Section II. 7. What is the NFIP’s Write Your Own (WYO) Program? The Write Your Own (WYO) Program, begun in 1983, is a cooperative undertaking of the Natural Disaster insurance industry and FEMA. The WYO Program allows participating property and casualty insurance companies to write and service Federal flood insurance policies in their own names. 

Companies underwrite policies and process Natural Disaster claims while the Federal Government retains responsibility for underwriting losses. All WYO Companies provide identical coverage, and rates are subject to NFIP rules and regulations. 8. Do state insurance regulators have any jurisdiction over the NFIP in their respective states? 

As established by the U.S. Congress, the sale of flood insurance under the NFIP is subject to FEMA rules and Natural Disaster regulations. FEMA has elected to have state-licensed insurance companies’ agents and brokers sell flood insurance to consumers. State regulators hold the insurance companies’ agents and brokers accountable for providing NFIP customers with the same standards and level of service that the states require of them in selling their other lines of insurance. 

Private insurance companies participating in the Write Your Own (WYO) Program must be licensed and regulated by states to engage in the business of property insurance in those states in which they wish to sell flood insurance. 9. How does the NFIP benefit Natural Disaster property owners? Taxpayers? Communities? Through the NFIP, property owners in participating communities are able to insure against flood losses. 

By employing wise floodplain management, a participating community can reduce risk and protect its citizens and the community against much of the devastating financial losses resulting from flood natural disaster. Careful local management of development in the floodplains results in construction practices that can reduce flood losses and the high costs associated with flood Natural Disaster to all levels of government. 

What is the definition of a community? A community, Natural Disaster as defined for the NFIP’s purposes, is any state, area, or political subdivision; any Indian tribe authorized tribal organization, or Alaska native village; or authorized native organization that has the authority to adopt and enforce floodplain management ordinances for the area under its jurisdiction. 

In most cases, a community is an incorporated city, town, township, borough, or village, or an unincorporated area of a county or parish. However, Natural Disaster some states have statutory authorities that vary from this description.

Prevent A Flood In Your Bathroom

While it can take several days for the larger rivers to flood, flooding caused by ice jams, flooding on the smaller streams, local drainage problems, Flood Damage Prevent A Flood In Your Bathroom and sewer backup can come with little warning.If weather conditions look like flooding, the National Weather Service issues two types o  read more..

Calculate Dehumidification For A Flooded Building

Run-around coils for enhanced dehumidification systems are not a new technology. They are well-described in texts from as long ago as 1939.1, 2, 3, 4 The psychrometric-chart analysis of run-around coils for precooling and reheating is identical to that for ordinary reheat (see sidebar) with one Dehumidification Calculate Dehumidification For A Flooded Building  read more..

Fire Damage

Artistic Emergency Board up Fire Damage means painting on material that is used to secure door, window, or other openings to resemble the original opening which they are covering. There is to be no standard pattern requirement. The overall purpose is to have a structure that does not draw attention to the eye of someo  read more..

General Mold Cleanup Procedures

General Mold Cleanup Procedures Identify and correct the moisture source Clean, disinfect, and dry the moldy area Bag and dispose any material that has moldy residues, such as rags, paper, leaves, or debris What can I save? What should I toss? Substances that are porous and can trap molds, such as p  read more..

How To Troubleshoot Sensors On Circuit Boards

Solid-electrolyte tantalum capacitors were first developed and commercially produced in the 1950s. They represented a quantum leap forward in miniaturization and reliability over existing wound-foil wet electrolytic capacitors. While the solid tantalum capacitor has dramatically improved electrical   read more..

Grants For Lead Paint Removal

Employees, employee representatives, or employers can ask NIOSH to help learn whether health hazards are present at their place of work. NIOSH may provide assistance and information by phone and in writing, or may visit the workplace to assess exposure and employee health. Based on their findings, N  read more..

Where Can I Get A Radon Test Kit

Where Can I Get a Radon Test Kit?If you are interested in finding a qualified radon service professional to test your home, you wish to purchase a radon test kit, or have questions about a radon measurement device: Contact your State Radon Contact to determine what are, or whether there are, Radon Mitigation Where Can I Get A Radon Test Kit re  read more..

Water Leak Detector

Leaking plumbing fixtures within homes can cause high water bills, excessive loss of water, and increased flow to the sewer system. Toilets Many leaks occur in toilets and may not be immediately recognized since there is no visible sign of a leak. Leaks in toilets can occur at the overflow pipe   read more..

Removal_Tree Removal Insurance

If FEMA cannot deliver the needed technical expertise, the odds increase that costs and eligibility of debris removal will become problematic during the recovery phase of the disaster. Communities may be forced to evaluate and select debris removal and monitoring contractors without possessing the n  read more..

Crime Scene Robbery Cleaner Training

OSHA is concerned that the words "treated to render bloodborne pathogens noninfectious" may present a problem because there is little or no information in the record that deals with such treatment. The standard does recognize that some blood and blood components and blood products present littl  read more..