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<br />COLORADO FLOODING
<br />Small.flood worries Golden
<br />mobile home park residents
<br />COLORADO MOBILE HOMES
<br />--------
<br />Thp six counties with
<br />...".jadrn'td Iwmes, 1995,
<br />,.....
<br />
<br />lAming often puts
<br />trailer parks in areas
<br />vulnerable to danger
<br />of flood, water damage
<br />
<br />By ..... M.....
<br />
<br />}..'"l. .\I..""/",,,.\', "', _"Ill" l\"~,I.'
<br />
<br />GOLDEN - When LI'Il,1 f;llkh
<br />OW'I tlow!'d Th\lr~d;t", W,II'T rim
<br />r1(j\~'1l tlit, stn'ds of tht. I'lt-asant-
<br />vj!.w ~ll)hlk IIfl1Tle I';ltk, and
<br />(;ktln Sw;m"rl1l '1\Hdily moved Iii"
<br />]'IK'I Uwvroklto higher ~rtllmd,
<br />"I dOll" know WilY, but tht,y
<br />UWil!ly put a lit' of mohile hUll);';"
<br />III ,I n'~lrI ,llt'i.," ,,;IVS SWill\Sflll, a
<br />retlfl'd Ilt'llv,', offll't' huddmJ.(
<br />1ll,1Il,tl-(l'r who IIV!'s "Jon!' 1Il <I n:d
<br />.mll '1'.'11111' molJlk hrlllle ;t f,-w kd
<br />ll'lln tlw I-(III,-It, "N"bodv {'ht.
<br />w,mh 11. ~o lllH' w.tnh to hllt!ll a
<br />hou<;t'lIwn"
<br />.'\rtllalty, Hll",! nll('~ hil\{' lul(....
<br />;t):,IlIl..,1 pltlllllV Illl,bi!t. hOIlll's III
<br />flood an.,I.... Hilt many, Ilkt, 1'lt'as.
<br />..nl1;ll'W, dale frtt11llwfon'tlw hlrl,:
<br />1'170-." Wht"lIl"llt.S lwg;m "d"llling
<br />~ttlkl hulldlttgn,d('"
<br />nil' fiH' V:_ll1ll'o of lbt' Fori
<br />(ollm" 1l,,,,,1 L,~I wITk Wl'll.!ivmg
<br />11' IllttttlkllOllll'S, Tlll'TIlSl'lI1g wa-
<br />1,.1' ]>1(1\"11111' tbt'll (r:\dt.,.., like
<br />tWlg~ and hmkd them ;lg:llll~1 ont'
<br />iltllltlH:r.
<br />~I(lhik h!lml'~ arc nol nnTss<tr-
<br />)1\, In~ sale tn;m the otht'r kmds of
<br />hOllsing av,lIlahlt. to [J('oplt. of lim-
<br />Ilt'd [mannal means, s:lId Kc'vin
<br />Stewart of thl' Urban [)r,ilnage and
<br />Fhltltllontwllhstri('t.
<br />Whdher linng in convclltumal
<br />or mobIle humes. poor p..'ople of-
<br />len find themselves In flood plains
<br />tl<xausl' ttwt's where land values
<br />,;no' eht'ap, Stt.'wan said,
<br />Shlny Arm~trong 01 tho: Amer-
<br />ican ~lohilc lIome As~ouatlOn
<br />
<br />Sun" AJ.Jg. 3, 1997
<br />
<br />
<br />flor~~M,-","~' ",p,,",
<br />
<br />dl'>putes claims that manufactuft'd
<br />hOllslIlg is unsafe, Mohile homes
<br />"I(' manuf,Ktured OIccrn-dinJ.: to
<br />',I) iet kckr,L1 'ifand.mis, she ~id.
<br />Hut their Ima/{t' suffers Iwt:<tuse
<br />they arc often III undesirable low-
<br />tllms, she said. .
<br />"For years, zoning commissions
<br />h.IVl. hccn retlt:cnf tthrjut grantinJ.;
<br />I'lnll1g to mohilc-h/Jme parks in
<br />dt....irttblc lfJcations," she said. "So
<br />they're alway~ next to the railroad
<br />tracks. next (othe river, on the old
<br />'lly dump, in a flood znne."
<br />~1o~t of the 4:1 units at the
<br />I'lt.a..antvillc MobIle Home f~drk
<br />Me dt'carles .,Id. They are wedged
<br />l~'IWel'n Inlerstatt: 70 <lIld Camp
<br />(;eorgc West, a facilitY for juvcmle
<br />offenders. Many of the homes
<br />rJack CJflto Lena Gulch, a deep
<br />..:or~e that cdrnes a high potential
<br />fur f\dsh flooding, acconhn~ to
<br />Stc:wdrt cJf the urban drainal{e dis-
<br />trict.
<br />
<br />Sfl1!fwrrtn-'\!u;jl(jel1?rmUJwl (1m
<br />frlhut~dtofhISr1!p(trl.
<br />
<br />Flood insurance for mobile
<br />homes available, hard to find
<br />
<br />By Deborah Frazier
<br />
<br />/o!"h '.!,'rmtam.\','Il','Skiiln"tit,r
<br />
<br />Fukrally backed flood insur-
<br />ance \\ as aVailable to Fort Collins
<br />mobik.home residents u if they
<br />hao asked the riJ::"ht agent.
<br />Ft.w of tht: n:sidents of mort:
<br />than 1011 1ll0hl!t' homes lI1und:ltl.fl
<br />~1llndav had flood insuran\'e.
<br />Some 01 the residents werl'
<br />h'nters who ~;lLd no 011t' would
<br />\I1Sl11l' tht'l\I. (Hhl'rs s:/IlIIH,lil'it's
<br />IIMI ClIvNed onl~' (,1lI1lt'llls (Ust
<br />mort: th:i!1 $SOO a rear, (1I1L' (lWnL'r
<br />s:lid sht.'d had to r1wd with sl.:'~'-
<br />('ral "gents heforl' fmdl;1g co~'t:r-
<br />ag(', ~tall~' other resllkllts Ill'ver
<br />hltlh,t1mwinsurancl'
<br />\Vhlll' many slano,lrd h01lle-
<br />owner :1Ilt! tt'n;tnl polit'il's s~k'rifi-
<br />cdlly exdude flood d,llnagt: and
<br />muhdt' homes older !han IS H',lrs,
<br />tht: :\<Itional Flood lnsur:mc~ Pro-
<br />gr,lIn's fOVerJJ.!:e is available to all
<br />mobile-home O'A-T1ers and tt'nants.
<br />The loll-frN' ~FlI' numher IS
<br />(MOO) 611-6123, CXL 2.9.
<br />
<br />Harriette Kinbcrg (If the federal
<br />insurance prowam said that 0,",,11-
<br />ers pay about $.100 a year and that
<br />a pohcy for tenants costs about
<br />$1Ol.l a year. Both - independent
<br />brokers and agents fur insurance
<br />cumpanies may decline to seUthe
<br />federal pulicies, however.
<br />"Flo/II:! insurance is available for
<br />nwbile homes, but sometimes it's
<br />han,! to find," s.ud William Jervis, a
<br />senior an.t1yst f(,r the st,tle insur-
<br />,1l1l'~'COmn\lSSlOll.
<br />Ill' s,aa\ the bleral and non.fed-
<br />era I tt'nant pollnes pay ("om-
<br />mlssi(ln~, hUI no! as much as stan.
<br />dard hOlllcoWTlt'r poh~'it's do.
<br />"Thl' ilf::Cnt m;lY fl'quire you 10
<br />LnSllfe otht'r thinRs to milkt, it
<br />\\,'Ilrthwhile," Jt'rVls snid.
<br />Oddly, Fort Collins won thC' Ft'd-
<br />eral EmerRt'ney Mana~emcnl
<br />Agency's highest ranking a few
<br />years ago for reducing flood ri~k!
<br />and shittinR the Ilood-strirken
<br />ar~a out of the flood-plain desi~a-
<br />tlon, said the agt'ncy'sJerry )kF{'-
<br />liu.
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