Anyone's house have to be raised?

Remember, it takes a village to raise a house.

Yes. If in zone A/AE, below BFE and damage is 50% or more of value of home. But no news about grants for this work at this time.

just to clarify:

raze =



raise =

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Yes. If in zone A/AE, below BFE and damage is 50% or more of value of home. But no news about grants for this work at this time.

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That depends on if you are inside or outside of city limits. I say that because your local building official has final say so on if your house is considered "substantially damaged" no matter what your adjusters estimate says.

I verified this with my adjuster, fema and other officials yesterday and have some back up info I can post when I get back to my computer. If you want to email me, it's sleepytimetd@gmail.com

In the city limits, I think they were using 40% of market value and they are probably going to use the assessed value of the structure(not including land) as a starting point. The closer you get to 40%, the more accurate the market value assessments need to be and you would need an appraisal for pre-flood value.

I posted this 6 days ago. No updates since.


This is what they are doing in EBR Parish.

More than 32K homes can stay on the ground after Metro Council exempts many from elevation requirement

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more than half the households that flooded — some 32,000 households — are in areas variously described as X zones, low-and moderate-risk zones and non-special hazard zones. The practical difference is that those people are not required by their mortgage companies to buy flood insurance, as the people in high-risk zones are.

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Wednesday, the Metro Council voted to exempt existing buildings in low- and moderate-risk flood zones from elevation requirements.

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I would HIGHLY ENCOURAGE anyone that is below BFE and wondering if they will have to raise, bulldoze, etc to read all of this document.

LINK TO FEMA DOCUMENT

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18. Q. Who is responsible for making the determination whether a structure has been substantially damaged?
A. Ultimately, it is the responsibility of the community permit official to assure that market value estimates are reasonably accurate and that the cost estimate reasonably reflects the actual costs to fully repair the damage and make any other improvements to the structure. However, the local permit official may require that the permit applicant or owner of the building supply the information necessary (e.g., appraisals, construction costs estimates, etc.) to make the determination. There are numerous publications and reference materials (see Appendix C) to assist a community official in making an objective decision on this matter. These materials provide practical guidance on estimating both the cost of improve- ment and market value and in verifying that estimates submitted on permit applications are reasonably accurate

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