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Goverment help-while-flooding


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Providing relief against the devastating effects of floods has all along been a national priority with the US Government.

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Goverment help-while-flooding

  1. 1. How does the Governmenthelp House Lifting in FloodZones
  2. 2. That flooding in the United States is a recurring eventis a fact known to all. Research studies have shownthat floods have caused maximum economic loss tothe nation than any other natural disaster. Theseverity of floods however varies from year to yearand from location to location.Providing relief against the devastating effects offloods has all along been a national priority with theUS Government. The measures taken by theGovernment include flood hazardidentification, making available federally-subsidizedflood insurance, state and local land-use controlsdesigned to minimize flood loss.
  3. 3. During the year 1968, the Congress enacted the NationalFlood Insurance Act which is a well-conceivedcomprehensive flood risk management program. Theobjectives of the legislation are: • Minimize economic losses due to floods through purchase of flood insurance • Promote state/local land-use controls to guide development away from flood-prone regions • Bring down federal expenditures for disaster assistance and flood control.
  4. 4. Interestingly, the NFIP (National Flood Insurance Program)is today one of the major domestic liability – apart fromSocial Security System and Federal Health Programs. Thisgoes to show how concerned the Government is incombating flood damagers.Since standard homeowners insurance does not coverflood, it is essential to have separate insurance protectionfrom the floods caused by hurricanes, tropicalstorms, torrential rains etc. NFIP provides affordable floodinsurance to house owners. Besides, NFIP works in closecooperation with FEMA specialists andcontractors, hundreds of insurance agents, claimsadjusters, private insurance companies, other connectedpublic officials, and real estate agents.
  5. 5. House lifting is imperative in the hurricane-prone east andGulf coasts – more so, with beach houses and riverfronthomes. The United States Government expects citizens toavail an insurance program against flood damage – as thatway, grants for flood mitigation and recovery can be bettercontrolled. In fact, two grant programs are in force - but theGovernment allows these grants only to communities thatparticipate in NFIP.House lifting is one of the most effective mitigation measuresto prevent flood damages. The idea is to elevate the house tothe base flood elevation level or still higher. FEMA (FederalEmergency Management Agency) does the flood analysis andcreates flood maps, while the NFIP manages the floodinsurance. Although flood insurance is available to all houseowners,, the Federal Government insists on those with homesin high-risk flood zones to buy the insurance.
  6. 6. House lifting is no doubt an expensive affair. FEMA offersassistance through its Flood Mitigation Assistance Programand Severe Repetitive Loss Program.States, tribal governments and NFIP-participatingcommunities can apply for this. Flood Insurance ReformAct (an amendment to the National Flood Insurance Act of1968) was created in 2004. FEMAs Severe Repetitive Lossprogram offers funds to projects to reduce or eliminatelong-term flood damage risks to NFIP-insured houses andother structures. Like all other grant programs, FEMAprovides its annually updated application and instructionson its website.
  7. 7. You can purchase NFIP through property and casualtyinsurance agents. Rates are set and do not differ fromcompany to company or agent to agent. These rates howevervary according to the date and type of construction of yourhouse and the level of risk.House lifting is a complicated task and you should neverattempt to undertake home elevation without the assistanceof an experienced contractor who is licensed for this type ofwork. There are several key steps you need to follow in orderto prepare for and execute a plan to elevate your home.
  8. 8. Thanks For Visiting Home Elevations At For more Information