Flooding is an issue for a large number of residents in the Parish and will continue to affect the day to day decisions we make. Changes to insurance premiums and federal funding may have an impact on the lives of your constituents whether they are in the Special Flood Hazard Area or not.
For Flood Insurance – Don’t Overvalue Your House
Posted on 08/18/2015
>>The value you use on your flood insurance can make the difference between being eligible for a 100% or 90% grant, and not receiving grant assistance to elevate.
>>Terrebonne Parish recently submitted a request for elevation funds for 14 Severe Repetitive Loss (SRL) or Repetitive Loss (RL) properties. These are properties that are targeted by FEMA due to either having been damaged to 100% or 50% of the fair market value respectively. Each of these structures will be funded at 100% or 90% if the Parish competes successfully.
>>The Flood Mitigation Grants are available each year. The list of eligible properties is created by FEMA based on the information the insurance company provides from flood policies. Some people will likely be on the grant next year, but this year missed out. Their houses were valued at more than the assessed value or appraised value, and therefore FEMA thought that they didn’t qualify. Since the Parish can only include qualified parties, these families couldn’t be included in the grant.
>>If you believe a structure should qualify, FEMA may require an appraisal which may cost up to $450. You may be able to work with your agent to lower the reported value now in preparation for next year’s application. Contact your insurance agent>.
Be Sure to Opt In for Lower Flood Insurance
Posted on 07/07/2015
Make Sure You Pay the Correct Surcharge
As of April 1, 2015, every new or renewed NFIP policy includes an annual surcharge required by the Homeowner Flood Insurance Affordability Act of 2014 (HFIAA). The surcharge amount depends on the use of your insured building and the type of policy insuring the building, regardless of its flood zone or date of construction. Primary residences will pay $25.
If you or your agents don’t fill out the paperwork proving that the structure is a primary residence, you will be charged $250 instead of $25.
Policies for owner-occupied, single-family detached buildings and individual condominium units that are your primary residence will include a $25 HFIAA surcharge. If you have a contents-only policy for a rental unit that is your primary residence, it includes the $25 HFIAA surcharge. Policies for all other buildings include a $250 HFIAA surcharge.
To ensure that you pay the correct surcharge at renewal, you must complete and return a Verification of Primary Residence Status form to your flood insurance provider, which will mail you the form before it issues the renewal notice. You are required to respond within 30 days of receipt.
To receive the $25 HFIAA surcharge, you or your agent must submit one of the following with the form:
If your policy is coming up for renewal soon and you have not received the letter and form, or if you have misplaced it, please contact your insurance agent.
The surcharge will be kept in a reserve created to ensure that the National Flood Insurance Program can pay all flood claims after disasters without going into debt. FEMA states that this surcharge will offset subsidized policies still paid by structures built before the Flood Insurance Rate Maps were adopted for that jurisdiction.
Gamers! Can You Build a Floodsafe House?
Posted on 06/29/2015
The Last House Standing
Two interesting approaches are related to this phrase. One is an app to get the you social media gamers thinking about flood safety. It was released this summer to get tech users to have fun competing for flood safety superiority.
Each player gets $100,000 and three (3) minutes to build a house to withstand flood. The game is run, and the house that has received the least damage is the winner.
Produced by a Florida nonprofit, the Federal Alliance for Safe Homes, this app is trying to reach the next generation of homeowners and kids with fun, engaging techniques that also teach.
Email the attachment to the gamers in your life to test it out or download for free from the app store.
The other reference to the Last House Standing is cement homes. Interesting site if you want to check out these super solid homes at http://www.thelasthousestanding.org/.
Related InformationFloodSafe Minute and Scan Code
Flood Mitigation Assistance Application Period Open
Posted on 06/11/2015
Flood Mitigation Assistance Application Period Open
FEMA is providing up to $180,000,000 through the Flood Mitigation Assistance and Pre-disaster Mitigation programs for elevating storm damaged structures. These funds are awarded through a national competition, and are not already earmarked for the Parish.
The Parish will be sending invitations to apply to the owners of the Severe Repetitive Loss structures offering 100% of the funding to elevate those structures. Those eligible are pre-identified through FEMA. There are two different ways to qualify for SRL status. One is to have two floods that have damages greater than the value of the structure. The other is to have four floods, two within 10 years, of $5,000 or more in value. The second is, for the first time, prioritized lower than the 100% damage criteria, so the Parish may be awarded some and not others.
The repetitive loss structure applications are limited to $3M federal share, and are lower in priority for FEMA approval than any SRL property. Depending on the competitive strategy there will be a 10% -25% match requirement which will be the applicant’s responsibility. The Pre-disaster (PDM) funds are largely reserved for planning activities this year, also limiting the potential for awards. Terrebonne recently completed the Hazard Mitigation Plan Update, and therefore will not apply for planning funds at this time.
Applicant inquiries about the program should be directed to the application manager, Solutient, at 985-857-4400. Only those on the FEMA list of eligible applicants can apply, though the Parish will always accept letters of interest.
Elevated Foundation Systems
Posted on 04/13/2015
Elevated Foundation Systems May Be the Next Great Way to Rebuild Safer and Stronger
New Mitigation Approach from FEMA Launched for Sandy may be available for future storms elsewhere.
The growing threat of floods and hurricanes throughout the nation and increasing costs for elevations may have been the driving force behind a new pilot program for flood mitigation. Rather than elevating houses, rebuilding is encouraged. FEMA is providing up to $45,000 to construct the foundation of a new home should a flood survivor opt to demolish and rebuild a structure. The grant also pays for nonconstruction costs such as demolition, surveys, design fees, and permits above and beyond the construction cap. The same funds can also be used for wind mitigation costs as well, such as shutters or hurricane proof glass, doors, or roof components.
Eligibility requirements limit the funds to primary residences owned by the applicant at the time and made substantially damaged by the storm or already severe repetitive loss structures. This would mean that structures already substantially damaged would not be eligible for the program. Structures in the V-zone are also ineligible. Terrebonne will encourage this approach to be available for all substantially damaged structures if possible, and work to have this grant program available soon after a storm when insurance proceeds are available.
If a structure has insurance claims worth more than 50% of the assessors value of the property, it would be determined by the National Flood Insurance Program to be substantially damaged and eligible for Increased Cost of Compliance (ICC) insurance benefits (up to $30,000). These can be used to elevate, relocate, or demolish a structure or to match other programs for those activities. FEMA programs generally require a 25% match and the ICC benefits can be used for that match.
FEMA hopes that these incentives used together will enable people to choose
demolish and to rebuild rather than elevate a storm damaged structure with questionable structural integrity.
The current Sandy guidance is attached for more details.
This mitigation method is new, and only time will tell if it will be offered in future storms.
Related InformationFEMA Program Description
National Tree Benefit Calculator Available
Posted on 03/13/2015
New Website Helps People Select the Right Trees for Stormwater Management and Adding Curb Appeal
The calculator , available at >http://www.treebenefits.com/calculator/ , is very easy to use. Select a tree variety, put in the approximate diameter of the trunk, and click on “calculate.” For a live oak 45 inches across, the results show us one reason they are a favorite tree in Southern Lousiana.
A 15” diameter Southern Magnolia can intercept 2,531 gallons of stormwater per year (15” Live oak: 3,929; 15” Pecan 3,750; Leuland Cypress – 45” 16,210, 15” 2,450, 15” White Pine, 2,450).
Check out the site and put in a tree you have been meaning to plant or to cut. Make an informed decision about the work that tree is performing for stormwater management. The water will go somewhere. Having trees in that low spot in the back of the property may help it stay drier, and provide shade and wind break.
Related InformationPDF of FloodSafe Minute with Screen Captures
Why do I need an Elevation Certificate?
Posted on 01/21/2015
An Elevation Certificate may help you save money on flood insurance for structures in the Special Flood Hazard Area and is required by FEMA mitigation programs as part of an application for all structures.
An Elevation Certificate will let you know how high your structure is now, and if it meets the current and proposed elevation requirements set by the NFIP. An Elevation Certificate is required by the National Flood Insurance Program (NFIP) to certify the elevation of a building for insurance rating purposes. Without the data provided by an Elevation Certificate the property cannot be properly rated for flood insurance.
Many people in Terrebonne Parish may be paying too much for flood insurance in the Special Flood Hazard Area. The preferred risk policies are sometimes higher rates than a policy obtained with an Elevation Certificate that is based on actual risk. New regulations adopted by congress in 2012 could make it more expensive to get an insurance policy without an elevation certificate.
Get a certificate now! The insurance savings may pay for the cost.
In addition, the Federal Emergency Management Agency (FEMA) is requiring people applying for funding to elevate their homes to provide elevation certificates prior to approval of the grant. The application itself may be rejected if applicants did not provide an Elevation Certificate.
Elevation Certificates can only be completed by a licensed land surveyor, engineer, or architect who is licensed by the State. There is a list of firms under “Surveyors Land” in the phone book that provide this service in the Parish. It can take weeks to get an EC in times of high demand. Don’t get caught without one when your insurance renewal is due.
The attachment provides more information about measuring your flood risk and the resulting Elevation Certificate.
Related InformationFinding the first floor elevation
Teaching Tools for Children – Staying Safe
Posted on 01/05/2015
As we move into the new year, we reflect on how to improve our quality of life. Part of that is the safety of the community. Often, we look to FEMA for tips on safety, but other institutions have a lot to offer as well.
The National Oceanic and Atmospheric Administration National Severe Storms Laboratory has developed teaching tools that include Owlie Skywarn and Billy and Maria storm safety topics in coloring books and other accessible materials for kids. The attached Owlie Skywarn: Hurricanes product and other tools for educators and students are available at http://www.nssl.noaa.gov/education/students/. Games on line also teach about safety and the environment at http://games.noaa.gov/.
Be safe, be well, and happy new year.
Related InformationTeachiing Tool for Children
Take Advantage of End of the Year Sales to Get Pet Supplies for Evacuation
Posted on 12/18/2014
Take Advantage of End of the Year Sales to Get Supplies for Pet Evacuation
It is always a good time to think about flood safety and our furry, feathered or slippery housemates.
When you evacuate take your pet with you! Call hotels ahead of time to find out which ones accept pets.
Choose a designated pet caregiver who will be responsible for picking up your pet if an evacuation is necessary when you are not at home. This caregiver should have keys to your home and know the location of your pet survival kit (see kit materials below).
If you have a pet rescue sticker on your house be sure to either remove it or write 'evacuated' across it when you evacuate.
Assemble a pet survival kit to bring with you including:
Related InformationText with Adorable Pictures
How Levees Work to Protect the Parish
Posted on 12/04/2014
The National Flood Insurance Program has developed a series of educational videos online to educate the public on flood risk. With the extensive levee system in place in Terrebonne Parish, education about the strengths and potential failures of the levees may seem like common knowledge, but we can always learn more. The live link in the attachment provides a graphic video with audio regarding levees and making a plan for those living near levees.
As part of the Terrebonne Educational Video Series, a Levee Safety Video is in development. It will be available on tpcg.org. You can find the following videos on this site right now. Search for "educational videos" from the home page for the listing and links. These may help people understand their risks and opportunities in Terrebonne Parish.
Related InformationHow Levees Work
The Hazard Mitigation Plan Preliminary Draft Ready for Review
Posted on 10/02/2014
Please direct questions about the meeting to Jennifer Gerbasi, at (985) 873-6565. The setting is informal and children are welcome. Council Members and attendees are welcome to stop by for cheesecake and beverages after the committee meetings if time permits.
Posted on 09/24/2014
FEMA'S NATIONAL PREPAREATHON! DAY
Are you prepared for a storm event?
National PrepareAthon! Day is set for Tuesday, Sept. 30. It's a call for individuals, organizations and communities to prepare for specific hazards through drills, group discussions and exercises. The goals are to help individuals understand which disasters could happen in their communities, know what to do to be safe and mitigate damage, take action to increase preparedness and participate in community resilience planning. FEMA states that, so far, more than 13 million Americans have registered to participate.
Open the attachment for more links or to launch a local group exercise.
Related InformationLinks to learn about FEMA or Participating
Flood Insurance Refunds
Posted on 09/15/2014
FEMA has provided some information on the flood insurance customers who may receive refunds after the Homeowner Flood Insurance Affordability Act of 2014 rolled back some of the high rates from the Biggert Waters Act of 2012. Attached is the cheat sheet created to help people know whether they may or may not get a refund. It is not as simple as we would all like, but people struggling with this issue may find some relief.
It appears from the text that the refunds are being processed by the NFIP and will be out later this year. There is no contact information in the NFIP materials requesting the insureds to request these refunds. Anyone who wants to know if their policy is being considered for a refund may benefit from calling their agent and asking them to inquire.
Related InformationFEMA NFIP Update
Update on the Hazard Mitigation Plan Development
Posted on 08/04/2014
The Steering Committee and interested members of the public have now met twice to discuss the revisions needed to the existing Hazard Mitigation Plan last updated in 2009 and approved by FEMA in 2010. To review the meeting agendas, presentations and notes, visit the Department of Planning and Zoning Recovery Assistance and Mitigation Planning Division website section specific to the plan development. http://www.tpcg.org/hmpu
The site has the agendas, meeting notes, and presentations from each meeting. The last meeting included the assessment of the risk, the problem, draft goals of the process and plan, and a preliminary review of possible future risk reduction activities. Specifically, the meeting covered a review of past accomplishments, historical damages data and future risk projections, and invited discussion on new projects proposed to reduce risk in the future. The Steering Committee is seeking public information regarding the accuracy of the maps that show past damages, critical facilities, etc. and projects that would reduce risk in the Parish. Risk reduction equals savings on recovery, mitigation, insurance, and displacement from homes and jobs.
The Committee is seeking input as well on what flood-related data we do NOT have but the community feels is necessary to properly assess risk throughout the Parish. One suggestion received is data on the elevation of homes and roads in the forced drainage areas outside the special flood hazard area.
If you have a suggestions or concerns, please consider attending or contact Jennifer Gerbasi @ 985-873-6565 / firstname.lastname@example.org or the Project Manager, Nicole Cutforth at 858-3983.
The next meeting is August 7, 2014 from 10-12 at the Bayou Terrebonne Waterlife Museum located at 7910 Park Ave.
Related InformationAdvertised Invitation to the Public
What is covered by a flood insurance policy?
Posted on 07/23/2014
We are in the storm season and have considered the need for a response plan, and the need to get insurance, but what does a National Flood Insurance Program policy cover? Please review the attachment and decide if your current level of protection is sufficient. Some of the caps on coverage have been raised under the Biggert-Waters Act of 2012, but the basics of coverage and limitations remain the same.
Related InformationFEMA Coverage Brochure
Preventing Pollution Saves Money and Improves Water Quality
Posted on 07/07/2014
Terrebonne Parish is required to take steps to reduce stormwater pollution in an effort to have fishable, swimmable waters in Louisiana’s Bayou Country.
Many people simply don’t know that, unlike sewer drainage systems which flow to treatment plants; water entering the community’s storm drain system flows unfiltered and untreated into the bayous. Once one understands this crucial difference, one recognizes that even without the force of Federal law, these six required steps are all day-to-day essentials for any community which depends on its wetlands, coastal reaches, rivers, canals, ditches, and bayous for its quality of life and the health of its local economy.
See the attachment for no cost or inexpensive ways to keep our bayous clean and reduce municipal and storm damage costs.
Related InformationHow we can and Why we should control stormwater
It is time to Get a Plan and Get Insured!
Posted on 05/07/2014
Storm season starts officially June 1, and who knows what is ahead? Are you ready?
Get a Plan
Related InformationCommunication Form
Beyond the Basics – Hazard Mitigation Plan Development Tips
Posted on 04/25/2014
A new website is available to help communities get Beyond the Basics in their approach to reducing flood risk and other hazards. The website was designed to walk communities through the plan drafting process to have a place-specific plan that helps each community reach its goals. For a great look at what the update of a plan looks like, visit http://mitigationguide.org/
Over the next 4-6 months, the Parish will be updating the Hazard Mitigation Plan as required by FEMA. More than a FEMA requirement to earn mitigation funding, this is an opportunity to brainstorm about how to build safer and stronger for the future. The site provides step by step advice and worksheets to help communities through the decision making process. Links lead readers to whatever level of detail each needs.
The Parish is in the process of hiring a firm to manage the process and draft the plan. These professionals have drafted many plans adopted by FEMA and the State. However, it is Terrebonne Parish’s plan, and only the input of local stakeholders will make it our plan, and our future. If you would like to actively participate in the plan development, call Jennifer Gerbasi at 873-6565 to receive updates on meeting and materials.
The Beyond the Basics website was developed as part of a multi-year research study funded by the U.S. Department of Homeland Security, Coastal Hazards Center of Excellence and led by the Center for Sustainable Community Design within the Institute for the Environment at the University of North Carolina at Chapel Hill.
CDBG Elevation Cost Share Program
Posted on 03/18/2014
The Parish has an opportunity to apply for $300,000 in aide for LMI households from this program and will hold a public hearing on the matter in the 6th floor Council Conference Room Monday March 24th, 2014 at 4:30 if you have any interest in attending.
The funding is reserved for LMI households that are also receiving FEMA elevation grants. It is expected that approximately 10-12 households will be served. Letters have been sent inviting people who have expressed concerns about meeting a match in the past to encourage participation. Each household will need to provide income information for an official determination of eligibility based on inability to pay.
This is the first time this targeted approach has been tested by the state. The parish hopes to elevate those households that would otherwise remain in unsafe conditions or lose their homes.
Related InformationPublic Notice of Public Hearing
Kids Can Get Ready for Storms, Too
Posted on 02/25/2014
To help kids feel that they have a part in protecting themselves in a disaster situation, the Department of Homeland Security has created a website with tools and suggestions. Colorful characters Ray, Gayle, Misti, Sonny, and Raina show kids how to make a plan, what to put in an emergency kit, and other useful information. This is a part of the Federal Emergency Management Agency’s Youth Preparedness Program with tips for kids, parents and educators. Share this link with friends and family to help kids get ready, and feel more secure. the site is available in english and spanish at this time. http://www.ready.gov/kids
Slab Separation as an Elevation Option
Posted on 02/03/2014
People could save a lot by choosing a slab separation if they are elevating a house. A slab separation allows the contractor to cut the house from the slab, build a new subfloor, and elevate the lighter house. This provides a floor that has no flood damage, and a lighter structure to lift and stabilize. This method is cheaper and can help the homeowner save on the required match (25% of the total project cost, generally).
The “drawback” is that the flooring is lost, and cabinets and the bottom of the walls have to be removed and then put back in place. This happens in many homes after a storm, but by the time the federal grants for elevation arrive, the walls, tiles, and cabinets are already replaced and the slab elevation is more attractive. This can add years of delay and $20,000 - $35,000 to a home elevation. This is inefficient and leaves the home and improvements at risk of flood unnecessarily while the owner waits on grant funds for the most expensive elevation type.
The Parish is working with state and federal staff and national groups in attempts to receive grant funds from disasters closer to the time that insurance payments are received. This would make it easier for people to lower their flood risk while they rebuild. Emergency repairs need to happen immediately, but often much more rebuilding happens without mitigation. Those repair investments sometimes preclude cost effective mitigation methods like slab separation and could put the Parish at risk of not complying with the National Flood Insurance Program. If successful, federal grants will be available to elevate a flooded structure at the same time it is being repaired.
For more information, go to http://www.fema.gov/pdf/rebuild/mat/sec5.pdf, download “Homeowner’s Guide to Retrofitting,” FEMA P-312, Second Edition, December 2009, or check it out of one of the local libraries. This guide covers six (6) options for retrofitting a house to avoid flooding. Slab separation is on page 12 of the attachment (page 98) and in Chapter 5 of the book.
Related InformationHomeower's Guide To Retrofitting - FEMA P-312
Maximize Your Insurance Benefits – Get Insurance Now
Posted on 02/03/2014
The hurricane season is months off, but it is always good to prepare. Getting flood insurance now will also lock in other benefits. Some federal programs require the home to be insured 180 days prior to the grant application being offered. The Hazard Mitigation Assistance yearly grant program usually opens on June 1, so get your insurance now!
Increased Cost of Compliance, or ICC, is a benefit of any National Flood Insurance Program backed flood insurance policy that may provide up to $30,000 to elevate, relocate or demolish the structure. This insurance benefit is only available to those who have made a certain number of claims.
Call your agent now to be sure that you can take advantage of grants, ICC, or other benefits that may be offered by the state or federal government agencies.
Demolition – A Mitigation Option
Posted on 12/26/2013
Many people think that elevation is the only option for using ICC.
Demolishing a house prior to rebuilding or without rebuilding is available as well.
ICC for hurricanes Katrina and Rita has been extended to 2015. A structure that was damaged and declared to be substantially damaged due to the 2005 storms may be eligible to be demolished with ICC funds. Call your insurance agent to find out more.
Increased Cost of Compliance, or ICC, is a benefit of any National Flood Insurance Program backed flood insurance policy. If a property becomes substantially damaged, the policy holder can request up to $30,000 to
In order to receive ICC, the structure needs to have claims on that policy, not proof of floods.
The Parish is obligated under the Flood Damage Prevention Ordinance to declare structures substantially damaged if it would cost more than 50% of the value to repair or has insurance claims or repair permits that add up to at least 50% of the assessed value.
This is required by NFIP to get flood insurance in the Parish, and can’t be avoided.
The structure could be condemned if the condition is bad enough, and the Parish may be required to demolish the structure and recoup the cost of demolition from the owner.
Demolishing with the ICC leaves more savings to purchase or build another, safer home.
The Parish offered a voluntary demolition program through the Gustav/Ike Recovery Plan funded with Community Development Block Grant funds. At this time ten (10) properties will be cleared of storm damaged structures eliminating slum and blight in the parish.
FEMA Tips for Preventing Flood Damage
Posted on 11/22/2013
Sometimes common sense prevails in preventing flood damage. Sometimes flood damages are from openings in the house that could be sealed or appliances that could be raised at a minimal cost, but with 2 inches of water were destroyed. The attached flier has some helpful suggestions about how to prevent losses from low level flooding. Some of these changes may also have a positive effect on your flood insurance premium. Call your insurance agent for more information on specific savings for water heater placement, etc.
Related InformationFEMA - Avoiding Flood Damage - Flier
Flooded by Gustav/Ike?
Posted on 11/22/2013
Insured households can still receive up to $30,000
toward elevating, relocating or demolishing the structure.
Related InformationOffical Explanation of Waiver Process
Upcoming Flood Insurance Changes
Posted on 11/22/2013
The October 1, 2013 implementation of the Biggert-Waters Act 2012 will kick-off next week. The Parish President has been a proponent of a delay or significant revision to the law prior to implementation and administrative and congressional fixes may come to be in the future. The State of Mississippi has filed a lawsuit against the Federal government for relief. While the discussion continues, there is no delay expected prior to next week.
Parts of the law goes into effect Tuesday October 1st. Certain properties in the Special Flood Hazard Area built before 1974 will no longer pay a subsidized rate based on earlier designations. Policies will increase at renewal over the next year.
Related InformationQuick Summary of Changes
Freeboard Found Cost Effective in NFIP Benefit Analysis
Posted on 09/13/2013
Due to changes in the federal flood insurance program, these are times of uncertainty for people living near any waterbody. Prior to when these manmade threats came to be, engineers and builders were investigating the cost effectiveness of various building methods including freeboard. When a structure is built 1-3 feet above the known flood risk (base flood elevation) it is called freeboard. Individuals can benefit from significant insurance savings (up to 62%) from using freeboard, and the community received Community Rating System points for requiring it in the ordinance possibly receiving greater discounts on flood insurance premiums community-wide. But is it cost effective? Read the 2008 Supplement for the Evaluation of the National Flood Insurance Program’s Building Standards to see why they believe it is cost effective. It can be cost effective and may provide a buffer against future changes to the flood insurance regulations.
Related InformationFreeboard Cost Benefit Analysis
Public Meetings Start for Flood Ordinance Changes
Posted on 06/21/2013
The Parish is entering the outreach phase of the Flood Damage Prevention Ordinance amendment. The amendments have been developed by the Planning Department to reduce flood risk and insurance rates in the Parish. With the potential increases due to the changes to the Community Rating System and the Biggert-Waters Act, the Parish will need to protect and increase discounts.
A powerpoint presentation will be available on the website www.floodsafeterrebonne.com next week. An online survey tool and comment tool will also be active next week for those who can’t attend a meeting.
Please call if you have questions, suggestions or concerns.
Related InformationFlier for Meetings
Good Construction Management Benefits Everyone
Posted on 05/10/2013
Construction activities have the potential to create pollution in our streets and bayous that cost us money. Water treatment, dredging, street cleaning, storm drain clogs can be costly and the general health of our bayous can be impaired. If mud is getting into the street or drains, the site may be in violation. Currently, sites under one acre are exempt from filing plans.
Related InformationBest Management Practices for Erosion Control
Erosion Control Measures
What to know before you buy or build
Posted on 04/26/2013
There are always risks involved in owning a home or business including wind, fire or water damage from a flood or storm. Protect your investments by looking into the history of the buildings you might buy or build based on past damages and predictions of future threats. Your floodplain manager in the Department of Planning and Zoning can provide the flood zone and height for any property in the Parish. The flood history has to come from the seller or agent. See the attachment for a list of considerations for buying or choosing the site for your next property.
Related InformationFloodSmart Minute 4-25-13
Homebuilder's Guide To Coastal Construction
Posted on 04/11/2013
Concern over insurance rates is increasing as questions about the Biggert-Waters Act remain unanswered, and uncertainty is the result. Remember that in the background, the Planning Department continues to pursue avenues to protect or increase our discounts, and provide ways for residents and builders to retrofit or build in ways that will reduce that insurance bill.
The attached document is a FEMA bulletin that outlines building practices that reduce risk. These practices also help the Parish residents save on insurance since FEMA runs the National Flood Insurance Program as well. The proposed changes to the parish Flood Damage Prevention Ordinance embrace these practices to protect the 20% discount we have now, and possibly increase that discount when we need it most. The sections of text in bright blue are specific recommendations for the ordinance (freeboard described below, open foundations, ductwork and mechanics above the flood risk, and limits on enclosures).
Below is a sample of the savings that is possible above and beyond this discount from “freeboard,” or building higher than the base flood elevation (BFE). The BFE is the minimum height that a structure can be built in the flood zone. Requiring a higher elevation through the ordinance will help protect the parishwide discount, and the discounts below for individual houses. The savings is so great that the mortgage (even before the increased rates expected) cost per month is lower even though the initial cost of building is an estimated .25%-1.5% higher.
Please contact me at 985-873-6565 if you have questions about this information.
$160,000 house with a 6.5% interest loan over 30 years.
Related InformationSuccessful Coastal Building Techniques
For More Information
Top Ten Facts about Flood Insurance
Posted on 04/01/2013
Did you know that flood insurance is available for renters? That your homeowner’s policy doesn’t cover flood? That anyone can buy insurance, but there is a 30 day wait before it takes affect? Read more about getting protected in the “Top Ten Facts about Flood Insurance.”
Related InformationTop 10 Facts about NFIP
New Federal Changes to Insurance Premiums
Posted on 04/01/2013
Please find below and attached information on the new insurance changes that started to take effect in January of this year. Other provisions will begin in August. In general, grandfathering for homes built after the National flood Insurance Program began providing flood maps will be phased out. While the Planning Department is working on tools to protect Terrebonne’s access to insurance and public outreach will be provided by an number of sources, residents are likely to begin asking questions regarding these changes. The Department has been able to secure an insurance rating that earns a 20% discount for Terrebonne property owners. New efforts this year aim at retaining that discount or increasing it to 25%. The discount will not be able to offset the increases for many.
Call Jennifer Gerbasi at 873-6565 for information specific to Terrebonne Mitigation Programs or funding options, or Lisa Ledet at 873-6567 regarding elevation requirements or substantially damaged properties.
For more information from the federal government on flood insurance or to get a quote call 1-888-379-9531 or visit www.floodsmart.gov .
Related InformationFloodSafe Minute NHMA Biggert 2/28/13
Floodplain Regulations and the Court
Posted on 04/01/2013
Please find attached information on floodplain regulations and the courts. Some jurisdictions have faced legal challenges both for approving and denying permits for development activities. This summary provides information about the court outcomes of some cases which gives insight to the Council’s ability to lower our flood risks and protect property rights for and from development.
Call Jennifer Gerbasi at 873-6565 for information specific to Terrebonne Mitigation Programs or for more Association of State Floodplain Manager materials.
For more information from the federal government on flood insurance or to get a quote call 1-888-379-9531 or visit www.floodsmart.gov .
Related InformationCommon Questions about Floodplain Regulation
Erosion Control Measures
Hours of Operation