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• FEMA also administers the Hazard Mitigation Assistance Grant program to
provide funding for eligible mitigation that reduce disaster losses. Information
can be obtained at https://www.fema.gov/grants/mitigation
• Get a flood insurance policy – it will help pay for repairs after a flood and, in
some cases, it will help pay the costs of elevating a substantially damaged
building.
5. Get a flood insurance policy.
• Homeowner’s insurance policies do not cover damage from floods. However,
because our community participates in the National Flood Insurance Program
(NFIP), you can purchase a separate flood insurance policy. This insurance is
backed by the Federal government and is available to everyone, even
properties that have been flooded.
• You can find helpful information about your property’s flood risk at
https://maps.nnva.gov/viewer/ or by contacting City staff by calling 311.
• Many people have purchased flood insurance because it was required by the
bank when they acquired a mortgage or home improvement loan. Usually,
these policies just cover the building’s structure and not the contents. During
the event of a flood, there is usually more damage to the furniture and
contents than there is to the structure. Be sure you have coverage on your
contents.
• Don’t wait for the next flood to buy insurance protection. In most cases, there
is a 30-day waiting period before NFIP coverage takes effect.
• Contact your insurance agent for more information on rates and coverage.
Also visit the NFIP website (https://www.Floodsmart.gov) for more
information on flood insurance.
6. Build Responsibly: Strict regulations govern substantial improvements to
structures in the SFHA. According to the NFIP, “substantial improvement” means
the cost of repair, reconstruction, or improvement of a structure equals or exceeds
50 percent of the market value before the improvements were started, or if the
structure was damaged and is being restored. Any new development or
improvement inside the SFHA is subject to the current Floodplain Development
Regulations and may also be subject to state and federal regulation. Be sure to
check these regulations and requirements before making improvements to your
property.
7. Protect Natural Floodplain Functions: Floodplains offer a broad area for streams
and rivers to naturally spread out and accommodate temporary storage of
floodwater, reducing flood peaks and erosion potential. When runoff is
uncontrolled, the floodplain can be pushed beyond its capacity, and areas that
normally do not experience flooding may flood as a result.
City of Newport News, 2400 Washington Avenue, Newport News, VA, 23607
Phone: (757) 933-2311 Fax: (757) 926-8300
Website: www.nnva.govJump to an indexed page (75 of 75)