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<br />Obtaining a Building Permit <br /> <br />. <br /> <br />. <br /> <br />Local codes generally require a building <br />permit before you make repairs or <br />floodproofing upgrades to your structure. <br />usually you need to get a pennit for electrical <br />work, plumbing, and repairs for structural <br />damage (such as foundations and exterior <br />walls). Because your property may be located <br />in a designated floodplain you will also <br />want to check with the pennits department <br />before constructing any floodwalls or benns <br />in your landscaping. Your permits <br />department will have maps called Flood <br />Insurance Rate Maps (FIRMs) that will show <br />the floodplain in your community. This area <br />is known as the Special Flood Hazard Area <br />(SFHA). <br /> <br />damaged" condition would equal or exceed <br />fifty percent (50%) of the market value of <br />your house before the damage occurred. <br />Substantial improvement means any <br />reconstruction, rehabilitation, addition, or <br />other improvement of a structure, the cost <br />of which equals or exceeds fifty percent <br />(50%) of the market value of the structure <br />before the start of construction of the <br />improvement. Combining a repair with an <br />improvement where the total cost equals or <br />exceeds fifty percent (50%) of the market <br />value of your house before the damage <br />occurred will also trigger the requirement <br />to elevate. <br /> <br />. <br /> <br />The National Flood Insurance Program <br />(NFlP), and most local and state building <br />codes require that a building in the floodplain <br />that is substantially damaged or substantially <br />improved be treated as new construction. <br />The lowest floor must be elevated above the <br />base flood (tOO-year flood protection) <br />elevation. Substantial damage means that <br />the cost to restore your house to its "before <br /> <br />If your home is substantially damaged you <br />may have no choice but to elevate or relocate <br />your house to meet NFlP standards. Some <br />owners have chosen the option of relocating <br />their house. <br /> <br />Failure to follow the local building code can <br />result in an order to stop construction, a fine, <br />higher flood insurance rates, denial of flood <br />insurance, or all of the above. <br /> <br />Protecl;n,~ lour Home from FJood Damage, Rf\ised 1996. 2nd Edition. <br />Federal Emergency Management Agency <br /> <br />3 <br />