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<br />"The [1979] buyout was the hardest thing we did in Kampsville <br />but 11010 I see it was the best thing we ever did." - Mayor, <br />Kampsville, Illinois [The city suffered much less damage from the <br />1993 floods than neighboring coml1l1l11ities did.] <br /> <br />THE AVERAGE LENGTH of a <br />Small Business Administration <br /> <br />disaster 1wme loan is 18.5 years. <br />For this period, the average monthly <br />loan payment is $140. Depending <br />on the location, a flood insurance <br />policy can be purchased for the <br />equhmlent af about $12 a mOllfh. <br /> <br />recommendations when the opportunity arises. <br />This so-called "mitigation" approach involves sustained action to reduce or elimi- <br /> <br />nate long-term risk to people and property from flood hazards. Some of the most <br /> <br />successful mitigation measures are <br /> <br />. purchasing damaged structures and removing them from the floodplain <br />. building codes that specify flood-resistant construction techniques <br />. land use controls that guide development to safe areas <br />. public awareness campaigns <br /> <br />. elevating or flood proofing existing buildings <br /> <br />. setting up water retention, storm water, or diversion measures. <br /> <br />There is a broad range of technical <br />and financial assistance available for <br /> <br />undertaking mitigation measures. <br /> <br />Some of the grant and cost-sharing <br />programs do require that you have <br /> <br />an already-prepared mitigation plan and likely require that the community partici- <br />pates in the National Flood Insurance Program. This is another good reason for <br />thinking about a post-disaster scenario before a drop of rain has fallen. <br /> <br />THE WINDOW OF OPPORTUNITY <br /> <br />I'orashm:t periI'd after a .fJe\,d h1fs:ypur mmmunih'11het~.will:1:ie' <br />an ir)terval that has cOme te becalletl tru:'"wihtl6w.afopItQrtl.!Tiiiy." <br />Dutihg tlustin:Je, rou haYelhe attentllJr <>tth~.media; ~a lia'V~ <br />heightened aWare1iessand suppott fmmqqth the ;I'l!il:il!~"nq ~t <br />lQ~al officials. You have;lhea~aiIabilitfofQ..li;IGldui,ii~lmrt a: wide <br />array .6f technical expertise ,li11'rwasl)ot aVlUl!'ijJ!.'iliel~te:t"hei €J.~, <br />Yo" can get things doneqUid<l1 that~Olt would .neYeJ":~e ~J:iieitcl <:10 <br />when fleocliJ;\g is the farthes.lll).iilg fr"",. ~f\l~~s m'ihlls.:Y6u "an: <br />.takeadvantageof this window ltllnal<e tlt<l~:toYfatd:lp;ngtteJ:m <br />comIDuru!y'goals. <br /> <br />page 24 <br />