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<br />. <br /> <br />. <br /> <br />. <br /> <br />To f"md Out More .. .. The Federal Emergency Management Agency can <br />explain the details of the federal disclosure requirement on lenders. Your local <br />Board of Realtors8 or state real estate regulatory agency can explain your state <br />laws and local practices. <br /> <br />Properly Protection <br /> <br />Property protection measures reduce a building's susceptibility to flood damage. <br />They are often inexpensive for the community because they are implemented by or <br />cost-shared with property owners. In many cases the buildings' appearance or use <br />is unaffected, so these measures are particularly appropriate for historical sites and <br />landmarks. These measures include: <br /> <br />. Relocation and acquisition <br />. Floodproofmg <br />. Insurance <br />. Conununity programs. <br /> <br />Relocation and acquisition <br /> <br />Moving a building to higher ground is the surest and safest way to protect it from <br />flooding. This is especially true in the f100dway and areas subject to erosion, ice <br />jams, flash flooding, deep water, or other special hazard. Relocating a building is <br />also preferred for large lots with portions .outsidethe floodplain or in cases in <br />which the owner has another flood-free lot available. <br />Acquisition of flood-prone property is undertaken by a government <br />agency, so the cost is not borne by the property owner. After any sttuaures are <br />removed, the land is usually converted to public use, such as a park, or allowed to <br />revert to natural conditions. There are a variety of funding programs that can <br />support a local acquisition project (over 8,000 homes were acquired or relocated <br />by the Federal Emergency Management Agency after the 1993 Midwest flood). <br />To Find Out More .. ~ The Corps of Engineers has information on <br />relocation techniques. The Federal Emergency Management Agency and your <br />State NFIP Coordinator can provide advice on funding for acquisition programs. <br /> <br />F1oodproofing <br /> <br />If a building cannot be removed from harm's way, it can often be protected on <br />site. In areas subject to slow-moving, shallow flooding, buildings can be elevated <br />or barriers can be constructed to block the water's approach to the building. These <br />techniques have the advantage of being less disruptive to the neighborhood. <br />It must be remembered, however, that during a flood, a f1oodproofed <br />building may be isolated and without utilities and therefore unusable, even though <br />it has not been damaged. The streets, utilities, and other infrastructure that serve <br />the property will still be exposed to flood damage. This is also a risk to any <br />occupants who may try to get in and out of the building during a flood. <br />Elevation-Raising a house above the flood level is the best on-site <br />property protection method. Water flows under the building, causing little or no <br />damage to the structure or its contents. Another alternative is to raise the building <br />and place fill under it before the building is lowered back down. <br /> <br />19 <br />