Preparations for Homes in Flood Zones
Whether you are buying a new home, or already have a home, it is a good idea to know your flood risk. Much of this information is provided by the Federal Emergency Management Agency. The FEMA NFIP is a source of flood insurance. One important document is the Flood Insurance Rate Map, or FIRM, which shows the actual flood hazards for your community in Fort Collins, Colorado. You can also find the same information in your local community. The flood zone map is usually located at the office of the floodplain administrator or at the planning and zoning office for your area.
Preparing for Flood Risk
If you find your home is located in a flood zone, it is smart to prepare for the possibility of a flood. The National Flood Insurance Program or the FEMA NFIP provides affordable flood insurance for homeowners. This insurance pays out claims for policy holders whose home is damaged by a flood. Actions a homeowner can take to limit flooding damage include the following:
Proper maintenance of storm drains and gutters
Improved landscaping of yard features
Advance contact with a storm mitigation company in your area
Professional repair of a cracked or crumbling foundation
Preparation can reduce both the financial impact of a disaster and the degree of property damage. It can also pave the way for a faster and easier recovery.
Learning About Floods
To find out more about floods in your area, the FEMA NFIP is a valuable resource. A Flood Insurance Study also provides a wealth of information about flooding events that have happened in certain locations, as well as the source of the flooding. This document provides both written material on floods and graphic presentations of data. The material in the study goes into the identification of flood zones. Educating yourself about floods, purchasing insurance and preparing ahead of time are ways to avoid or minimize the dangers of flood waters. The services of a storm mitigation franchise can help you clean up after a flood.