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<br /> <br />EVALUATE YOUR COMMUNITY'S CONCERNS, INTERESTS, AND NEEDS When <br /> <br />investigating ways to reduce your flood losses, you can also find out hO\\' flood-prone <br />areas are being used, what kind of development is there, and how important these <br /> <br />areas are to your conununity and its plant and animal life, recreation, historical sites, <br /> <br />tourism, and quality of life. <br /> <br />Evaluate community needs and interests. Think about \vhether your flood <br />problem areas could be put to better use by meeting some of these other needs. This <br />evaluation involves identifying the interests and concerns of other residents and <br /> <br />community groups that can complement or support floodplain-related activities. <br /> <br />THE NATIONAL FLOOD INSURANCE PROGRAM <br /> <br />.- -----, <br />I <br />I <br /> <br />I <br /> <br /> <br />Ybttt ~(l!llm\lnity !i~~rx P:"~ipates ih the National Flood insurance <br />. Pr~S:ram:\!-mp)a.dmwsi~~. ~ the;f~e;ral Emergency Mimagement <br />;~#i:y; If'~t:lifih the:NEfu :lJ;l;1a:>; am~~ enfqf!:eflqpaplajn lI)at;lag~ <br />!rt~i f!lW~~~. 'lI) e."chaitge~ testdertls ate eU&lllle to purchaStl fl06d <br />lriSUiatlce;whidl !snott;lumt;llly av~ilabl"thiough private insuranc;e <br />cOIl1paiU~~,Pis~lef a:~";,tar<i.ind matty, types of grants and loans are <br />:alffi. !RatteaVolilablalf .yootromrnw'iilfls,'h>. tb~:NFrp, it has One. or more <br />lllilps:tlm.t$(lW, J",al J!oo(J;l1a:zardareas !u$Qall).' the land that would be. <br />q"Yetea:With.\Yaterdurlng:a l%'annt1jjJchanceF'lOO-year"] flood). <br />11:\~Njlre:("u'mai"t floodplain regulatory Nquirements, and othen; <br />eal1.be:sat;by.stnte:or Ip<:~Jaw. <br />. :t>1l dtivelol;'ment1l:r thell.O(ldplam lI)\Ist haye;a .local permit; <br />"t::le~'elopIllen~7Ui~\l1"q~~ he"" buitdihS$, nnprbYemeritsto buildings, <br />:(IlliIjg, ~admffot ~y btherh\llTIan-calJS<;'d cbang" to th" land. <br />.. .New.\:>lJilc!ings'h> t1)~floodplain must be buill brlocatedto resist <br />flood dalllilge. <br />,. ~" " .~ <br />. Al.dditlonsdmP!9yemen.ts, Or repairs: to adaIrtaged buildmg'that <br />~"ceed:s<}o/t of tl1e:odi)mal bllil4mg's va]i1e ;!lIs" must be made <br />floodcresi$l;ant; <br />. Only i:erlali1r ty~ordev:el~ment.are allowed In thejIomhvaypart <br />of 11lefloodplainJt;if,: fli~ mQ~thaiardous area and iriElud(isthe <br />s:treaIllelia\ll1~raha: lh~;adjacent land that i$ needed to safely pass <br />fJOod floW'S:: <br /> <br />1JurihsafJpil;al !llJ-yl"r11" mortgage, a building in a flood hazard <br />area is 25til'1e~tno.r" Uke/,!/ to be damaged by a flood than by a fir~. <br />Strui:tur~s built t/1 lJIeetor e;J:ce.a t~e minimum sta.,dards oftheNFIP <br />s'!f!erZZ'!~ I.~~ iillm'!g",n a.fliJod thiln thos;: not built to these ~tandaYtis. <br /> <br />P Ii gel 3 <br /> <br />fLOOD lOSSES IN YOUR <br />COM",1Ul\;ITY FALL INTO <br />TWO GENERAL CATEGORIES: <br />(1) PRmHE LOSSES are those <br />suffered by individuals <br />I loss of We <br />. property damage <br />. dismptions to business <br />and employment <br />. costs for health careIor <br />,Rood-induced illnesses <br />. expenses for temporary <br />housing and travel and <br />transportation disruptions. <br /> <br />(2) PUBUC LOSSES affect everybody <br />and have to be absorbed by your <br />community's present and future <br />budgets <br />. emergency flood protection <br />'debris removal <br />. repairs to roads, streets, public <br />Iltilities, public buildings <br />and equipment, water <br />control facilities, arId parks <br />and recreation. <br /> <br />. <br />