Fema flood zones,flooding emergency management,emergency plan template - Step 3

Many residents and businesses without a water view will also be subject to the new flood insurance requirement for the first time. Hi neighbors – working with FEMA, insurance co, and mortgage companies to determine flood insurance is exactly what my business does.
Flood zones & flood zone maps: what is a flood zone, how are flood zones defined, and where can we see maps that define flood zone areas? The map shown at page top is provided by FEMA's flood map viewer and indicates (in purple) 2,655 areas within the continental U.S.
What is a Flood Zone & What does Being in a Flood Zone Mean to a Building Owner or Tenant?
A flood zone is a geographic or land area that FEMA (or in other countries other agencies) has defined as being subject to flooding and thus flood damage. Buildings constructed, re-built, or repaired within a designated flood zone require additional steps to protect the building from future flood damage (or flood and storm damage) or to reduce the extent of that damage. Depending on the type of flood zone, building owners and tenants may have flood insurance available or may be required to purchase it. But even if your home is not located in a primary flood zone you might be smart to purchase flood insurance.
Flood insurance is mandatory when you have a mortgage on a home in a high-risk flood area. Whether it's a flash flood or just a few inches from a rainstorm, water can cause massive damage to your home and belongings a€” and if you're not financially prepared, the effects can be devastating.
Flood insurance is not normally provided by nor included in a standard homeowners insurance policy.
Homeowners who are not satisified with the offering may need to hire a public adjuster, another independent agent, to negotiate in their behalf with the insurance company.
Flood Zone Maps or Flood Insurance Rate Maps (FIRMS) and FIRMette documents are used to determine if flood insurance is available, optional, or required for a given property, home, or business. Watch out: Do not enter a flooded, storm damaged,or earthquake or hurricane-damaged building if the building is still flooded or has not been determined by an expert to be safe to enter. This article series gives action & repair priorities if your building has been flooded, or damaged by another disaster in an easy to understand guide.
Flood zones are defined by FEMA in both general categories and within each of those categories in additional levels of details. High Risk Areas for Flooding in Coastal Zones, defined as "Coastal areas with a 1% or greater chance of flooding and an additional hazard associated with storm waves.
To determine whether or not your property is within a flood zone, consult the FEMA website or FEMA-provided flood zone maps that we describe and illustrate just below. FEMA provides an online tool that produces a Letter of Map Change that can provide a document certifying the updated status of your building in (or out of) a flood zone.
The new flood zone maps consider recent weather changes associated with global warming, recent storms and storm damage such as Hurricane Sandy that flooded and damaged parts of the Northeastern U.S. As we expect global warming and its effects on the frequency and extremity of weather events to increase, one might interpret the new flood zone maps as conservative in estimating the level of flood damage risk faced by building owners and occupants in the coming decade or longer.
At above-left is the FEMA Flood Zone Map obtained by searching for Oriental Boulevard, in FEMA's New York City Flood Zone Map.
At left we include an excerpt from that map demonstrating the level of detail that can be displayed, in this case for Oriental Boulevard in Brooklyn, NY. For purposes of determining flood insurance rates under the National Flood Insurance Program (NFIP), and because homes and businesses located within high risk flood-zone designations can be required to obtain and pay for flood insurance, the new maps won't take effect until 2015. However people re-building structures damaged by Hurricane Sandy in 2012 will want to consider additional flood proofing measures both because of increased flooding risks and because of the impact of NFIP insurance requirements and NFIP insurance premiums.
It is possible to search flood zone maps by the actual property address, by searching FEMA's product catalog, or by ordering a map from FEMA. FEMA's flood zone maps can be viewed online (zoom-in for a usable map) and can also be purchased from FEMA in print form. Finding the exact flood zone map details surrounding your exact property using FEMA's online maps can be a little difficult unless you have first found your own address or property on a more legible Google Map or other map. As a test we searched for an arbitrary address known to be near a creek and low area subject to flooding in Dutchess County, New York.
Zooming in on the flood map using the FEMA web page ZoomWin tool (not the Zoom In tool which was not helpful) produced he second image (below right) on which the local Dutchess County airport served as a landmark.
The detailed FEMA flood zone map at above if you enlarge it, shows helpful details such as local dams, footbridges, and the elevations in feet above the flood plain. For now you might find as we did that the most useful flood zone map you can produce from FEMA's data is made by zooming in on the map and then using a screen save utility to keep the image that you produce. FEMA provides a FIRMette tool that can be used to make a detailed map showing the area of interest, on a Flood Insurance Rate Map (FIRM).

Watch out: we found that FEMA's FIRMette tool and page were not quite working (January 2013) and could not be induced to actually produce a useable detailed map of our area of interest.
Continue reading at ELECTRICAL SAFETY for Flood Damage Inspectors or select a topic from the More Reading links or topic ARTICLE INDEX shown below. Try the search box below or CONTACT US by email if you cannot find the answer you need at InspectApedia.
Our recommended books about building & mechanical systems design, inspection, problem diagnosis, and repair, and about indoor environment and IAQ testing, diagnosis, and cleanup are at the InspectAPedia Bookstore. The Illustrated Home illustrates construction details and building components, a reference for owners & inspectors. Here is my discussion of how to use it in combination with Google Maps to check out your house. Step 2: Click up and down the vertical ladder-like bar to see the image at various scales until you feel you can find the place on a satellite image.
Step 3: Compare your image to this superimposition of the FEMA flood map on a New Orleans satellite photo, created by the Google Earth Current Events Community. If the address you are checking is fairly centrally located, you can also check your address image against the DigitalGlobe satellite picture of the flooding. OR PERHAPS I'VE BEEN TO OPTIMISTIC: While I was out driving around Pleasantville a little while ago, a reporter on NPR described all of New Orleans as being flooded. BY THE WAY: If you get ahold of Before and After pictures of your house, BE SURE TO KEEP COPIES so you can submit them with your homeowners insurance claims, applications for FEMA aid, and other such.
Posted by Kathryn Cramer on Thursday, September 01, 2005 at 11:09 AM in GoogleEarth, How to . Democrazy, The Personal Planetarium, and the American Way: The Year 1990 in Science Fiction by Kathryn Cramer This essay was commisioned for the annual SFWA Nebula anthology, Nebula 26, published by Harcourt Brace Jovanovich and appeared there in slightly longer form. On Science Fiction & Electronic Text by Kathryn CramerOriginally appeared as an editorial in Issue #91 of The New York Review of Science Fiction. The Village of Bronxville received a $5 million flood grant from FEMA that will be used to fix the flooding problem around the Bronxville school. The Village of Bronxville received a $5 million flood grant from FEMA for flood mitigation around the Bronxville school and Midland Avenue near the Bronx River.
The grant has been in the works since 2007, Bronxville Superintendent David Quattrone said, when the school was hit by a nor’easter and took on four to six feet of water.
Since then, Quattrone said the school took precautions to avoid another disaster, such as relocating computer labs and offices, rebuilding the bottom floor so infrastructures like air conditioning systems were closer to the ceiling than to the floor and rebuilding with water-resistant porcelain tiles so it would be easier to clean up after a flood.
Meyer said the precautions did help the school recover much quicker, but it was still damaging, especially to the wooden gymnasium floor. Bronxville Mayor Mary Mar­vin, a Republican, said the school sits at the lowest point in the village and experiences the worst flooding, which is why an overwhelming majority of the grant will be set aside for flood mitigation around the school. While the plan is still in its design phase, Quattrone said the basic idea is to install large, underground detention tanks that will hold floodwaters until the Bronx River’s water level lowers.
Marvin said FEMA will pay 75 percent of the $5 million, which was among the last such grants FEMA issued, and the village will pay the remaining quarter.
FEMA sent out letters to 243 people, requesting the money because they say residents received redundant payments for flood damage. That’s less than 1 percent of the total number of flood survivors who got FEMA aid. Stephanie Walton, the head of Boulder County Long-Term Flood Recovery, said caseworkers at her office have fielded calls from panicked residents who received letters. FEMA spokesman Scott Chamberlain said many of the letters were triggered by duplicate benefits paid to residents.
She said her office is optimistic it can successfully appeal for some residents so they don’t have to pay at all. Resident seeking more information can call Boulder County Long-Term Flood Recovery at 303-442-2178 or the FEMA help line at 800-621-3362.
In the North End, many of the wharves have that have partially been within the flood zone are now 100% included such as Commercial, Mercantile, Union, Lewis Wharves. Rising sea levels in Boston Harbor resulted in a much broader impact from potential storm surges, according to FEMA. The City will also host neighborhood forums to help residents and businesses understand the new maps.
Even if you live outside a high-risk area, don't make the mistake of assuming you'll never experience a flood.
Below we demonstrate the process of finding FEMA flood zone designation maps for the area shown in this photograph.
These areas are inside the 100-year and 500-year flood risk zone and include areas protected from flooding by levees and areas vulnerable to shallow flooding to average depths of one foot or to flood-prone drainage areas that are less than a square mile in area.
These areas have a 26% chance of flooding over the life of a 30-year mortgage." In these areas, in communities participating in the NFIP, flood insurance is required.

These are geographic areas for which there may be risks of flooding but no flood hazard analysis has been made. Federal Emergency Management Association (FEMA) released new flood zone maps for the United States indicating that areas to be designated as at high risk for flooding and flood damage have been substantially extended. To find the flood zone map for any area simply area in the United States just enter the address in the search window for this page.
As FEMA's website advises, you'll have to be patient to wait for your flood area map to load. Searching for 1 Willowbrook Heights, Poughkeepsie, NY 12603, produced the map shown at below left [click to enlarge]. We zoomed on the map area that we knew contained the street of interest - Willowbrook Heights - marked in red and pointed-to by a large orange arrow on each map.
Environmental Protection Agency US EPA - includes basic advice for building owners, occupants, and mold cleanup operations.
The text is intended as a reference guide to help building owners operate and maintain their home effectively. You may find it helpful to view the Flood Map side by side with another web-based map service in order to more easily locate your property (Google Maps, Bing Maps, etc.).
I'll be out for several hours, so if you have some, post 'em in the comments until I get back.
It seems to me that providing physical evidence specific to your address would be likely to expedite claims processing. Significant flooding in 2007, seen here, caused the school to shut down for an extended period of time.
A smaller portion of grant money will be used to upgrade the pipe that runs from the school to Midland Avenue near the Bronx River.
He said, for that to happen, a pumping station will also have to be built on school property.
For instance, FEMA might pay for temporary housing up front and then insurance reimburses residents for the same expense. The City of Boston is estimating that more than 10,000 additional properties could require flood insurance as a result of the new maps. A website has been established to collect resources regarding Flood Hazard Areas in Boston. In fact, more than 25% of flood losses occur in areas considered at moderate or low risk. Owners whose building is listed as located in a FEMA-designated flood zone should receive a letter indicating that status.
The colored markings are our additions and are not provided by the FEMA flood zone map tool. But the more important question for those who need to know about specific addresses in New Orleans may be how deep the water and how swift the current; this all combined with information about the rise and fall of the tides. Flood Hazard Mapping is an important part of the National Flood Insurance Program, as it is the basis of the NFIP regulations and flood insurance requirements. Special Offer: For a 10% discount on any number of copies of the Home Reference Book purchased as a single order. According to a news release, the earliest the City will adopt a final flood hazard map is December 2014. In the coming weeks you will likely receive a notice from your mortgage company that you need flood insurance. National Flood Insurance Program (NFIP), flood insurance is available to both property owners and renters, but its purchase is optional. Thanks to Alan Carson and Bob Dunlop, for permission for InspectAPedia to use text excerpts from The Home Reference Book & illustrations from The Illustrated Home.
Details and contact information for FEMA and each FEMA region are at FEMA Regional Office Contact Information & Telephone Numbers. Carson Dunlop Associates' provides extensive home inspection education and report writing material. The flood zone also encroaches well into downtown Boston to Broad Street, Faneuil Hall and as far inland as City Hall Plaza.
Special Offer: For a 5% discount on any number of copies of the Home Reference eBook purchased as a single order. The newly developed Bulfinch Triangle in the West End is included within the flood zone for the first time.

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