And even when the President declares a disaster, most of the time your community still has to pay a portion of the costs of evacuation, temporary housing, repair, and clean-up. Remember, Federal disaster assistance isn’t available for all floods. If we build smarter in and near floodplains, we’ll have fewer problems the next time the water rises. Every flood disaster affects your community’s budget. Home mortgages will be hard to find and you won’t be able to get some types of State and Federal loans and grants. If your home or business is in the floodplain, and Federal flood insurance isn’t available, then you can’t get some types of Federal financial assistance. Standard homeowners insurance does not cover flood damage. Federal flood insurance is available only in communities that agree to regulate floodplain development. To make sure that Federal flood insurance and disaster assistance are available. If we know where our high risk flood areas are located, we should be able to make reasonable decisions to help protect our families, homes, and businesses. Floodplain management is about building smart. Why Do Communities Regulate the Floodplain? The State of Georgia has available both Coastal and Riverine model floodplain ordinances. In some instances, the State of Georgia has exceeded these minimum requirements. The National Flood Insurance Program (NFIP) encourages communities to adopt floodplain management ordinances that exceed the minimum NFIP criteria. Through their floodplain management ordinances, communities adopt the NFIP design performance standards for buildings located in floodprone areas identified on the Flood Insurance Rate Maps (FIRMs). These include minimum building design and construction standards for structures located in Special Flood Hazard Areas (SFHAs). The National Flood Insurance Program (NFIP) is based on an agreement between the Federal government and participating communities that if the community adopts and enforces adequate floodplain management regulations, the Federal government makes flood insurance available to residents. The Georgia Flood MAP Program is here to help you understand more about why and how communities in the State of Georgia manage floodplains to protect people and property.
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