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Before the Flood

Before the Flood. Locate structures in SFHA (address, lat /long) Are these structures in compliance? What is their building Value GIS helps. Following a Flood. Restore Services Implement a Permit Application Procedure Provide Information to the Public on Permitting and Rebuilding

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Before the Flood

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  1. Before the Flood • Locate structures in SFHA (address, lat/long) • Are these structures in compliance? • What is their building Value • GIS helps

  2. Following a Flood • Restore Services • Implement a Permit Application Procedure • Provide Information to the Public on Permitting and Rebuilding • Identify Substantially Damaged Structures • Collect High Water Marks

  3. Definition of Substantial Damage Damage of any origin sustained by a structure whereby the cost of restoring the structure to its pre-damage condition would equal or exceed 50% of the market value of the structure before the damage occurred. “Any origin” refers to any natural or man-made hazards. (“Damage is damage”)

  4. Why Make SD Determinations? • Communities that participate in the NFIP are required to determine if structures have SD after a damage event. • This applies to all structures within the Special Flood Hazard Area (SFHA, or 100-year floodplain). • Recommend evaluating damages outside the SFHA after the main SDE inventory is complete.

  5. Why a Substantial Damage Rule? • Few private insurers can afford to offer flood insurance. • NFIP offers coverage that would otherwise be unavailable. • In return, communities must reduce future risks in flood hazard areas to: • New construction. • Substantially improved structures.

  6. Purpose of SDE Inspections • To estimate damages in order for a community to determine if the overall percent damage of a structure is above or below the NFIP required 50% threshold for Substantial Damage (SD). • The determination must be reasonable and defensible. • The tool allows local officials to quickly collect the data required to determine substantial damage in a formal, documented manner.

  7. Collect High Water Marks • https:bit.ly/EM_HWM

  8. Mitigation Options • Hazard Mitigation Grant Program • Pre-Disaster Mitigation • Flood Mitigation Assistance • Public Assistance • Individual Assistance • Small Business Administration

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