Homeowner Tips for Living in a Floodplain

12/2/2020 (Permalink)

Make sure you are prepared for floodplain living in all seasons.

Flooding is becoming more frequent and severe due to climate change. Heavy downpours, rising sea levels, and asphalt everywhere are all factors in increased flooding in recent years. If you live in a floodplain you are even more at risk. Flood plains are areas the National Flood Insurance Program considers at high risk for flooding, otherwise known as Special Flood Hazard Areas. The NFIP defines these as areas with a 1 percent annual chance of flooding, which is equivalent to a 26 percent chance over the life of a 30-year mortgage.

When living in a floodplain it is required that you hold flood insurance, this is a good thing to have if a flood does occur, the cost of damages can be substantial. Flood damage can range from somewhat manageable, like a couple of inches in the basement, to full-blown home destruction. There are precautions you can take as a homeowner to minimize flood damages. 

• Elevate the living areas to above “base flood elevation.” You can find your specific level from FEMA. 
• Build or retrofit your house with flood-resistant materials.
• Elevate your furnace, water heater, air conditioner, and electrical panel above the flood level.
• Turn off the electricity if your home is about to flood 
• Change your landscaping - Add porous surfaces, dig trenches, and use absorbent mulch.

Learning how to prevent major flood damage can go a long way in easing the stress of living in a flood plain. Some tasks require the help of a professional. SERVPRO is here to help you with any storm prevention techniques, give them a call today!