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Determining Your Chances Of A Flood
Floods occur year round, for any number of reasons, and in all areas of the country. Unless you’re fortunate enough to have a home on a pinnacle somewhere, chances are very good that you will have to deal with the threat of a flood at some point. The question then becomes how much of a flood risk does your area have?
When you stop to think that more than 90% of all presidentially declared disasters involve flooding, and that major flood damage can be inflicted by even minor flooding events, then it becomes all the more important to determine the flood risk for your community, and take the proper steps to protect yourself, your family, and your possessions.
The first step is to contact your local emergency management office and ask for all relevant information about flooding in your area. This would include the flood history for the community, whether or not your home is built in or around a flood plain, as well as any projected flood elevation. This data will let you know exactly how much water you may find yourself having to deal with.
FEMA also provides online copies of flood maps for free, and the maps may be downloaded for a small fee. Flood maps are also kept on file at the local library. These maps can identify existing flood hazards and the risks associated with them, as well as providing information on the base elevation for a given area.
Historic weather patterns are another means through which flood threats can be determined, since history has a habit of repeating itself, these past patterns can be used to predict what the coming years may bring, allowing property owners to make the appropriate preparations.
Anyone with a standard 30 year mortgage has a 1 in 4 chance of experiencing flooding during the life of that mortgage, and you’re five times more likely to experience a fire than a flood. Even more telling, almost a quarter of all flood related claims come from areas that are described as low to moderate risk areas. This is proof positive that no one is immune from the threat of flooding.
For these low risk areas, flood insurance is not required, but is still recommended, because remember after all, it can and often does happen. If you are in a high risk area, check into the National Flood Insurance Program (NFIP), a federally funded source for flooding insurance made available to those living in high risk areas. Communities partner with the NFIP and in return agree to bring their community up to certain standards designed to cut down on the threat posed by flooding.
Restoration Local is your first best choice for flood damage and water restoration needs across the country.