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4. Contact the Department of Engineering for information on financial assistance.
• The City administers a Flood Assistance Program (FAP) that will acquire
properties located in the floodplain. Please visit
https://www.nnva.gov/1753/Flood-Assistance-Program---FAP for more
information.
• FEMA also administers the Hazard Mitigation Assistance Grant program to
provide funding for eligible mitigation that reduces disaster losses.
Information can be obtained at https://www.fema.gov/grants/mitigation
5. Get a flood insurance policy.
• Homeowner’s insurance policies do not cover damage from floods. However,
because our community participates in the 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.
• 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. Keep in mind, NFIP policies pay for repairs after a flood
and, in some cases, may help pay the costs of elevating a substantially
damaged building.
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.
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)