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Governor's 2015 Proclamation
Letter from 2016 OCSWA Chairperson
Spring/Summer Severe Weather Terms
Thunderstorms & Lightning Safety
Lightning Safety Awareness Toolkit for Communities
Flood Information and Safety Tips
Flood Insurance Information
FEMA: Flood Insurance Program Changes
FEMA Brochure: Build Back Safer & Stronger
Turn Around Don't Drown!
Fire Safety And Preparedness
ODMH - Dealing With Emotions After The Storm
Floods are one of the most common hazards in the United States. Anywhere it rains, it can flood. One of the best ways to protect your home or business from flooding is to have flood insurance. According to the National Flood Insurance Program (NFIP), in high-risk areas, there is at least a one in four chance of flooding during a 30-year mortgage. In moderate-to-low risk areas, the risk of being flooded is reduced, but not completely removed. These areas submit more than 20 percent of NFIP claims and receive one-third of disaster assistance for flooding.
Since standard homeowners insurance does not cover flooding, it is important to have protection from the floods associated with heavy rains, rapid snow melt, (residual) hurricanes, and other conditions that impact Ohio and the country.
In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves. The NFIP allows homeowners, renters and business owners to purchase flood insurance through private property and casualty insurance agents. In order to qualify for flood insurance, the home or business must be in a community that has joined the NFIP and has agreed to enforce sound floodplain management standards.
If you are interested in obtaining flood insurance, visit FloodSmart.gov. At this site, you will be able to find a local agent, learn additional flood facts, assess your flood risk, and find information on filing a claim.
The Preferred Risk Policy (PRP) offers multiple coverage combinations for both buildings and contents (or contents-only, for renters) that are located in moderate- to low-risk areas (B, C, and X Zones). PRPs are available for residential or non-residential buildings also located in these zones, and that meet eligibility requirements based on the building’s entire flood loss history.
The National Flood Insurance program (NFIP) has implemented congressionally mandated reforms required by the Homeowner Flood Insurance Affordability Act of 2014 (HFIAA) that repeal and modify the Biggert-Waters Flood Insurance Reform Act of 2012 (Biggert-Waters).
The new law slows some flood insurance rate increases and offers relief to some policyholders who experienced steep flood insurance premium increases in 2013 and early 2014. Flood insurance rates and other charges were revised for new or existing policies beginning on April 1, 2015.
In addition to insurance rates, other changes resulting from Biggert-Waters and HFIAA were implemented, which affected the total amount a policyholder pays for a flood insurance policy.
Click for more information about the flood insurance reform.
The National Flood Insurance Program (NFIP) Flood Insurance Manual is used primarily by insurers and agents selling and servicing federal flood insurance. Click to download the most recent manual (Nov. 2015).
You can also obtain historic maps and current effective maps through FEMA’s Flood Map Service Center: https://msc.fema.gov/portal.
Most forms of federal disaster assistance are available to individuals and businesses only if the president declares a federal disaster for a specified area or areas. Through the Federal Emergency Management Agency (FEMA), the Individuals and Households Program (IHP) provides money and services to people in the disaster area when losses are not covered by insurance and property has been damaged or destroyed. IHP is designed to help people with critical expenses that cannot be covered in other ways.
The following lists assistance available through IHP: Housing Assistance (which includes temporary housing, repair, replacement and semi-permanent or permanent housing construction) and Other Needs Assistance (which includes personal property, transportation, medical, dental and funeral expenses).
IHP is not intended to restore damaged property to its condition before the disaster. IHP may only provide enough money, up to the program limits, to return an item to service. A resident may be required to purchase flood insurance if a dwelling is in a Special Flood Hazard Area.
While some money is available through Individuals and Households Program, most disaster aid from the federal government is in the form of loans from the Small Business Administration (SBA) Disaster Loan Program, which must be repaid. SBA provides low-interest disaster loans to homeowners, renters, businesses of all sizes, and to private, nonprofit organizations.
The State of Ohio Individual Assistance Grant Program (State IA Program) may also be available to flood victims for losses and expenses incurred by individuals and families who do not qualify for the SBA loan program.
If a flood damages your property, you may be required by law to bring your home up to community and/or state floodplain management standards. If you have NFIP insurance and your home has been declared substantially damaged by your community, Increased Cost of Compliance (ICC) coverage is provided to cover up to $30,000 of the cost to elevate, flood proof, demolish, or relocate your property.
ICC coverage is in addition to the coverage you receive to repair flood damages. However, the total payout on a policy may not exceed $250,000 for residential buildings and $500,000 for non-residential buildings.
After a disaster, you are often confronted with making difficult repair decisions in a short period of time. It is important that you educate yourself to avoid dishonest contractors during these hectic times.
Victims of any recent storm or flooding should be extremely cautious and not let the sense of urgency to repair lead them into making a regrettable decision.
Before hiring contractors, check their references and clear them through a local Better Business Bureau or the Ohio Attorney General’s Consumer Protection Section. For a list of BBBs in Ohio, click here.
For additional information, click on the following links: