The National Flood Insurance Program aims to reduce the impact of flooding on private and public structures. It does so by providing affordable insurance to property owners and by encouraging communities to adopt and enforce floodplain management regulations. These efforts help mitigate the effects of flooding on new and improved structures. Overall, the program reduces the socio-economic impact of disasters by promoting the purchase and retention of general risk insurance, but also of flood insurance, specifically. Signup to receive email updates.
You realize your flood insurance policy is about to expire and you’re on the fence about renewing: It hasn’t flooded in your area in years (or ever). And you really could use that extra money to buy something you really want.
DON’T. RISK. IT.
FACT: Flooding is the most common natural disaster in the United States, affecting every region and state, including yours.
FACT: Flood insurance can be the difference between recovering and being financially devastated.
FACT: The damage from just one inch of water can cost more than $20,000.
FACT: If you allow your flood insurance policy to lapse for either more than 90 days, or twice for any number of days, you may be required to provide an Elevation Certificate (if you don't have one), and you may no longer be eligible for policy rate discounts you might have been receiving prior to the policy lapse. It's important to talk with your insurance agent before canceling or not renewing the policy.
FACT: You can file a flood claim even if there is not a Presidential Disaster Declaration.
FACT: Flood damage is not typically covered by homeowners insurance.
FACT: No home is completely safe from potential flooding devastation—why risk it?
FACT: If you live in a high risk flood zone, and you've received federal disaster assistance in the form of grants from FEMA or low-interest disaster loans from the U.S. Small Business Administration (SBA) following a Presidential Disaster Declaration, you must maintain flood insurance in order to be considered for any future federal disaster aid.
FACT: Storms are not the only cause of floods. Flooding can be caused by dams or levees breaking, new development changing how water flows above and below ground, snowmelt and much more.
FACT: Too often, Americans are caught off guard by the emotional and financial costs of flood damage.
Check out your state's flood history with FEMA's data visualization tool. By rolling your cursor over each county, you can see how many flooding events have happened and learn more about the cost of flooding.
Flood insurance helps more: Check out your state's flood history with FEMA's interactive data visualization tool. Roll your cursor over each county to see how many flooding events have happened. The tool allows you to compare how much FEMA and the U.S. Small Business Administration have provided in terms of federal disaster aid after Presidential Disaster Declarations to the amount the National Flood Insurance program has paid to its policyholders. It's easy to see that having flood insurance provides a lot more help for recovery.
After the flood waters recede and the clean up has been done, most folks want to get back into their homes or businesses and start rebuilding. The problem is that wood that has been submerged in water has likely absorbed a large amount of water. Rebuilding too quickly after a flood can cause continuing problems such as mold growth, insect infestations, and deterioration of the wood and wall coverings.
Flood waters are not clean water; therefore, most porous building materials must be removed and replaced with new materials.
1. Flood Insurance Claims
If you have flood insurance, contact your insurance adjuster immediately.
Be sure all electric and gas services are turned off before entering the premises for the first time.
Until your local water company, utility, or public health department declares your water source safe, purify your water, not only for drinking and cooking, but also for washing any part of the body or dishes.
Remove all furniture, bedding, and carpeting to outdoors to be cleaned and dried (or discarded).
Open flooded walls, even if they appear undamaged, to prevent mold, odor, and structural decay later.
To reduce mold and damage, clean and dry as soon as flood waters recede. Do not sand or scrape lead-based paint.
Clean and dry the submerged household appliance before starting.
Take furniture outdoors to clean.
Aggressively control mold in the weeks and months after the flood.
Avoid disturbing and spreading mold spores indoors. Clean mildewed items outdoors. Learn and take precautions to minimize exposure to mold.
What Is a Hurricane?A hurricane is a kind of tropical cyclone that includes organized thunder storms but no fronts. (Fronts are two air masses of different densities, such as cold fronts and warm fronts.) Tropical cyclones are measured in escalating degrees: When the winds in a cyclone are below 39 mph, it is considered a tropical depression. When the maximum sustained winds in a tropical cyclone reach 39 mph, it graduates to a tropical storm. Finally, when those winds sustain 74 mph or higher, the cyclone graduates further to a hurricane.
Hurricanes are not the same thing as tornadoes. Many people falsely believe that hurricanes are simply tornadoes forming over the ocean. In fact, the only thing the two have in common is that they are both swirling, destructive columns of air. The main differences between hurricanes and tornadoes are:
Hurricane Damage ScaleHurricanes, like tornadoes, are defined by categories on the “Saffir-Simpson scale.” This scale measures the potential for damage caused by hurricanes, based on the strength of the sustained winds. (Sustained winds are those that last one minute or more.)
Interesting Hurricane Facts
Published July 03, 2014 FoxNews.com
Arthur strengthened to a hurricane in the Atlantic Thursday and threatened to give North Carolina a glancing blow on Independence Day, prompting thousands of vacationers and residents to leave parts of the state's popular flood-prone Outer Banks.
The hurricane's maximum sustained winds Thursday morning were 80 mph as the storm's outer bands started to reach southern parts of North Carolina. Hatteras island was under a mandatory evacuation order for visitors and residents, with officials asking an estimated 35,000 people to leave through North Carolina Route 12, the only road on and off the island.
Forecasters expect Arthur to whip past the Outer Banks -- a 200-mile string of narrow barrier islands with about 57,000 permanent residents -- on Friday without making landfall but still bringing rain, heavy winds, storm surge and dangerous rip tides.
Before the storm hit, tourism officials had expected 250,000 people to travel to the Outer Banks for the holiday weekend. Gov. Pat McCrory warned people not to risk their safety by trying to salvage their barbecues and pre-paid beach vacations.
"Don't put your stupid hat on," McCrory said, urging swimmers and surfers to avoid the water regardless of how good the waves might look. McCrory also declared a state of emergency for 25 coastal and adjoining counties.
"Our major goal is to ensure that no lives are lost during this upcoming storm," including those of emergency workers, McCrory said.
The National Hurricane Center predicted Arthur would swipe the North Carolina coast early Friday with winds of up to 85 mph and then be off the coast of New England later in the day, eventually making landfall in Canada's maritime provinces as a tropical storm.
Outer Banks residents and out-of-town visitors who fail to evacuate ahead of the hurricane's expected arrival should prepare for possibly getting stuck for several days without food, water or power, National Hurricane Center forecaster Stacy Steward said Thursday.
"We want the public to take this system very seriously, go ahead and start their preparations because time is beginning to run out," he said.
The first named storm of the Atlantic season prompted a hurricane warning for much of the North Carolina coast. Tropical storm warnings were in effect for coastal areas in South Carolina and Virginia. On the Outer Banks' Ocracoke Island, accessible only by ferry, a voluntary evacuation was under way.
Arthur is centered about 300 miles southwest of Cape Hatteras, North Carolina, and is moving north near 9 mph.
Officials, hotel owners and would-be vacationers as far north as New England were also carefully watching forecasts. The storm was enough of a concern that officials in Boston decided to move the annual Boston Pops July 4th concert and fireworks show up by a day because of potential heavy rain Friday night. And rip tides were a threat as far north as New Jersey.
One of the Outer Banks visitors who planned to leave Thursday was Gary Reinhardt, 63, of Sarasota, Florida.
"I'm worried about the road. It took way too long to get here," he said, a reference to the two-and-a-half hours it took him and his wife, Lori Reinhardt, to get onto the island last Sunday in normal summertime traffic, when no storms were in sight.
Other areas of the Outer Banks were taking a cautious, but still-optimistic approach: No evacuations had been ordered for areas north of Hatteras, including the popular town of Kill Devil Hills, which was the site of the Wright brothers' first controlled, powered airplane flights in December 1903.
Nancy Janitz, 60, of Jacksonville, North Carolina, said she was ready, thanks to technology.
"I have my NOAA radio, and I keep tabs on Twitter and Facebook for updates," she said. "I'm as prepared as I can possibly be."
Forecasters had thought Arthur would reach hurricane status later Thursday, but its increasing strength and a defined eye prompted them to revise the projection late Wednesday, the Miami Herald reported.
The worst of the storm should occur at Cape Hatteras about dawn Friday, with 3 to 5 inches of rain and sustained winds up to 85 mph, said Tony Saavedra, a meteorologist at the National Weather Service. But forecasters said that by later Friday, the effects of Arthur would be past the Outer Banks, with the rest of the weekend salvaged.
In the Myrtle Beach area, the heart of South Carolina's $18 billion tourism industry, Arthur was expected to move in by Thursday night, spinning wind gusts from 40 to 50 mph toward the high-rise hotels and condominiums lining the oceanfront.
Farther south, in Hilton Head Island on the state's southern tip, most were confident would pass well out at sea.
"It will be a sold-out weekend," said Charlie Clark, a spokeswoman for the local Chamber of Commerce. "... We're not getting calls from visitors asking what's up with this storm."
The Associated Press contributed to this report.
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