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<br />Slide 16. Elevated houses in Guerneville, California on the Russian River <br /> <br />The other option for severely damaged houses is elevating them so that the living areas <br />are at or above the lOO-year flood level. This shows elevated houses in Guerneville, <br />California on the Russian River. These houses escaped damaged in the January 1995 <br />flooding, although floodwaters almost reached the elevated living space and access to <br />the houses was cut off during the flooding. <br /> <br />Slide 17. Floodproofed restaurant <br /> <br />Owners of commercial buildings have the option to floodproof rather than elevate their <br />buildings in the 100-year floodplain. Floodproofing can take many forms. This shows a <br />restaurant in the Midwest protected from flooding by a flood wall. The flood has cut <br />off its access, but the building remains undamaged. <br /> <br />Slide 18. Wet floodproofed building in Morgan City, Louisiana <br /> <br />This shows a "wet" flood proofed commercial structure in Morgan City, Louisiana. The <br />building is designed to let floodwaters inside, but you can see the electrical panels and <br />office are raised above the flood level. Although located in the 100-year floodplain, <br />buildings like this should have less damage than unprotected buildings. <br /> <br />Slide 19. Pre-FlRM building with less than 50% damage <br /> <br />This pre-FIRM building in Illinois was damaged less than 50% of its value in the 1987 <br />Midwest floods. Under minimum floodplain management regulations, this building <br />may be repaired to its pre-flood condition without elevation or floodproofing. <br />Buildings like this pose difficult policy questions. Approximately 40% of flood <br />insurance claims are for properties which have received payments in previous floods. <br />Pre-FIRM buildings can receive 20-30% damage over and over. Their owners can still <br />buy flood insurance and are not required to increase the buildings' flood resistance. <br />Local governments must decide when enough is enough. They can adopt regulations <br />more stringent than mandated by FEMA to require the removal, elevation, or <br />floodproofing of moderately-damaged, pre-FIRM structures in the 100-year floodplain. <br /> <br />Script-Task I, page 2 <br />