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<br />Slide F5. Houses flooded in Thistle, Utah <br /> <br />First, all flooded buildings need to be assessed, whether or not they are in the 100-year <br />floodplain. This shows houses damaged by a flood in Thistle, Utah caused by a <br />landslide which blocked the river, creating a lake where before there was a town. In a <br />world that operated according to statistical models, these buildings would not be <br />flooded. They are outside the 100-year floodplain. However, more than 30% of claims <br />for flood insurance are for damage to properties located beyond the 100-year <br />floodplain. This is because no flood is exactly like the modell00-year flood chosen as <br />the basis for flood disaster planning and mitigation. <br /> <br />Slide F6. Building in 100-year floodplain <br /> <br />This is a building in a 100-year floodplain. Damaged properties in the 100-year <br />floodplain, as shown on maps issued by FEMA, come under the requirements of the <br />National Flood Insurance Program. As a participant in the program, your community <br />has a floodplain management ordinance specifying conditions for the repair and <br />reconstruction of flood-damaged buildings in the 100-year floodplain. <br /> <br />Slide F7. Building with more than 50% damage <br /> <br />Here is a flooded house with damage obviously exceeding 50% of its market value. <br />Under FEMA's minimum requirements for local floodplain management ordinances, <br />buildings like this can be repaired only if they are brought up to full code compliance <br />including elevation to or above the 100-year flood level. <br /> <br />Slide FS. Categories for percent damage <br /> <br />Many communities use three categories in assessing percent damage, as shown here- <br />up to 40%, 40% to 60%, and more than 60%. The middle group (40%-60%) brackets the <br />buildings which might have 50% or more damage. Making this determination is strictly <br />a local responsibility under the National Flood Insurance Program. Often real estate <br />appraisers are needed to assist with this difficult and politically-sensitive task. <br /> <br />Slide F9. Flood-damaged historic building <br /> <br />This shows an historic building damaged in the 1993 Midwest floods. Procedures for <br />handling damaged historic buildings are more complex than for non-historic structures. <br />Local governments are constrained by both federal and state regulations from <br />permitting the demolition of historic buildings after disasters. So, it is important to <br />identify historic buildings in the damage assessment. <br /> <br />Script-Task F, page 2 <br />