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<br />"The [1979] buyout was the hardest thing we did in KampsviUe <br />but now 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 communities did.] <br /> <br />THE AVERAGE LENGTH of a <br />Small Business Administration <br />dI""ter home loan Is 18.5 years. <br />For this period, the average monthly <br />loan payment is $14!J. Depending <br />on the location, a flood insurance <br />policy can be purchased for the <br />equimlent of about $12 a month. <br /> <br />recommendations when the opportunity arises. <br />This so-called "mitigation" approach involves sustained action to reduce or elimi- <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 /> <br />. public awareness campaigns <br /> <br />. elevating or floodproofing existing buildings <br /> <br />. setting up water retention, stormwater, or diversion measures. <br /> <br />There is a broad range of technical <br /> <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 /> <br />page 24 <br />