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Protecting Lives and Property: Regulating Floodplains Effectively

In this guide, we explore the importance of regulating floodplains to safeguard communities from flooding risks. Understanding historical perspectives, we emphasize the reality of flooding beyond designated BFE levels and the need for insurance and disaster assistance. We provide practical, cost-effective steps to elevate utilities and prevent flood damage while highlighting the necessary permits for building in flood-prone areas. With insights on flood insurance and risk management, we aim to equip residents with essential knowledge to protect their homes and investments.

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Protecting Lives and Property: Regulating Floodplains Effectively

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  1. Living in the Floodplain Kate Barrier

  2. Where were you in April 1975?

  3. Why Regulate the Floodplain? • To protect people and property • To make sure that federal flood insurance and disaster assistance are available • To save tax dollars • To avoid liability and law suits • To reduce future flood losses

  4. Nature Doesn’t Read Maps • Major storms, flash floods, and increased development can cause flooding higher than the 100-year BFE. • 26% chance to be damaged by flood in a 30-year mortgage – compare to 1% chance of major fire

  5. Utility Service Outside Buildings Whether inside an attached garage or outside, all utilities must be elevated above the BFE or protected against flood damage.

  6. Easy, Low-Cost Protection Move hot water heater and furnace out of basement, or build platforms for them. If flood depth is less than 2 feet, build floodwalls or anchor the tanks. Don’t store valuables in a flood-prone basement.

  7. How to Elevate Your Building

  8. How to Elevate (cont.)

  9. Using Platforms

  10. More Platforms You can protect the furnace, water heater, washer, and dryer from shallow flooding with a low floodwall built around the appliance. A concrete or wooden wall 1 or 2 feet high can stop low-level flooding. The wall should be waterproofed with plastic sheeting or waterproofing compounds that can be purchased at hardware stores.

  11. Turning off the Gas

  12. Turning off the Power Stand on a dry spot – use a dry wooden stick or pole

  13. State & Local Permits Needed For: • Constructing new buildings • Additions to existing buildings • Substantially improving existing buildings • Placing mobile homes • Subdivision of land • Temporary buildings • Agricultural buildings • Parking or storage of recreational vehicles • Temporary / permanent materials storage • Roads, bridges, culverts • Fill, grading, excavation, mining, dredging • Altering stream channels

  14. Planning on Improvements?

  15. Flood Insurance • 25% of all flood damages occur in low risk zones • To purchase a policy, contact an insurance agent • For a list of agents, call NFIP at 1-888-356-6329 or visit www.floodsmart.gov NATIONALFLOODINSURANCEPROGRAM

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