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Started By
Message
FEMA: Despite historic flooding, insurance rates & flood maps to remain the same
Posted on 9/15/16 at 3:15 pm
Posted on 9/15/16 at 3:15 pm
LINK
Surprising
quote:
FEMA has announced that despite the worst flooding in recent Louisiana history, flood insurance will continue to be available to homeowners, renters, and businesses at pre-flood prices.
The August flooding will not trigger remapping of flood zones or changes in base flood elevations. This includes remapping efforts that have been underway for several years in six of the designated parishes. Revisions of Flood Insurance Rate Maps (FIRM) and Base Flood Elevations (BFE) in those parishes will continue based on data compiled prior to the latest flood.
Surprising
8
Posted on 9/15/16 at 3:17 pm to ForeverLSU02
frick all that. Do we need to raise in Denham? That's all i want to know and nobody is answering this. Nobody can move on rebuilding till they hear the answer to this.
Posted on 9/15/16 at 3:19 pm to ForeverLSU02
Its gonna be fun times with Uncle Sam has to renew flood program soon, gonna be another fight.
Posted on 9/15/16 at 3:28 pm to ForeverLSU02
I didn't get water damage in St amant and didn't sand bag. My rate should go to almost zero, right???
Posted on 9/15/16 at 3:30 pm to DownshiftAndFloorIt
(no message)
This post was edited on 9/18/16 at 7:40 pm
Posted on 9/15/16 at 3:42 pm to meauxjeaux2
quote:
Nobody can move on rebuilding till they hear the answer to this.
Is that just inside the city? I got my permit and they told me go ahead and get started. They will inspect later.
Posted on 9/15/16 at 4:03 pm to Boudreaux35
quote:
Is that just inside the city? I got my permit and they told me go ahead and get started. They will inspect later.
Just because they gave you permission to do it doesn't mean that they aren't going to change the regulations on you. Most people are waiting because they don't want to put $20k into a project only to have FEMA, two weeks from now, tell them they need to raise their house by x-feet.
Posted on 9/15/16 at 4:04 pm to meauxjeaux2
quote:
frick all that. Do we need to raise in Denham? That's all i want to know and nobody is answering this. Nobody can move on rebuilding till they hear the answer to this.
I'm outside of city limits, in the same boat and pulled some info together. Do you have an email address?
Posted on 9/15/16 at 4:07 pm to ForeverLSU02
quote:
Revisions of Flood Insurance Rate Maps (FIRM) and Base Flood Elevations (BFE) in those parishes will continue based on data compiled prior to the latest flood.
I call bullshite! Just this past week there was a guy on my mother's property checking elevations and admitted that he was there under a government contract. Now, is anyone gullible enough to believe that the flooded areas of Livingston Parish just happened to be scheduled for the survey now?
Posted on 9/15/16 at 4:08 pm to ForeverLSU02
Why would they change the maps based on the August flood? It was in excess of a 100yr storm, and even in excess of a 500yr storm in most areas. Maps depict 100yr & 500yr special flood hazard areas.
Posted on 9/15/16 at 4:13 pm to Grit-Eating Shin
quote:
Why would they change the maps based on the August flood?
So they can charge people more money.
Posted on 9/15/16 at 4:14 pm to ForeverLSU02
Flood maps showed that our house would flood from the south based on a creek that runs by our neighborhood. We flooded from the north.
Oh well.
Oh well.
Posted on 9/15/16 at 4:16 pm to ForeverLSU02
Election year. They will do it next year.
Posted on 9/15/16 at 4:18 pm to meauxjeaux2
quote:
Do we need to raise in Denham?
This is what they are doing in EBR Parish. Maybe Livingston Parish will follow...
More than 32K homes can stay on the ground after Metro Council exempts many from elevation requirement
quote:
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.
quote:
Wednesday, the Metro Council voted to exempt existing buildings in low- and moderate-risk flood zones from elevation requirements.
Posted on 9/15/16 at 4:32 pm to ATL-TIGER-732
You'd think with a 0.1 percent annual chance (1 in 1000 yr) that raising a dwelling is not in the cards.
Posted on 9/15/16 at 4:32 pm to meauxjeaux2
quote:
Do we need to raise in Denham? That's all i want to know and nobody is answering this. Nobody can move on rebuilding till they hear the answer to this.
This. That's all I want to know. We need some direction.
Posted on 9/15/16 at 4:44 pm to ForeverLSU02
Received letter from my insurance agent to expect a notification soon for any homeowner with a mortgage in our area will have to carry flood insurance even if you didn't flood in this recent epic flooding. frick them.
Posted on 9/15/16 at 4:58 pm to meauxjeaux2
quote:
Do we need to raise in Denham? That's all i want to know and nobody is answering this. Nobody can move on rebuilding till they hear the answer to this.
Did you have substantial damage (i.e. 50% or more of value).
If you did, under regular rules, you need to build to Base Flood Elevation at the time of your rebuilding - if you are not already there.
That requirement can be waived by the local government with FEMA permission.
The other question people had was, were they going to raise the BFE. The OP indicates they will not.
Posted on 9/15/16 at 5:01 pm to purpleleaf
quote:
Received letter from my insurance agent to expect a notification soon for any homeowner with a mortgage in our area will have to carry flood insurance even if you didn't flood in this recent epic flooding
Most mortgage language says that if you are in a special hazard flood zone (i.e. anything worse than X), you will be required to have flood insurance.
If this is true for your mortgage, and you have been in X and continue to stay in X, I don't think the mortgage company can force you to purchase it, as that would be a unilateral altering of the mortgage contract.
EDIT: Your agent may be trying to scare you into buying a policy from him.
This post was edited on 9/15/16 at 5:02 pm
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