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Flood Risk Assessment for Flood Awareness Week

By: national weather service
By: national weather service

PUBLIC INFORMATION STATEMENT
NATIONAL WEATHER SERVICE TALLAHASSEE FL
600 AM EDT THU MAR 19 2009

TODAY'S TOPICS FOR FLOOD SAFETY AWARENESS WEEK ARE DETERMINING FLOOD
RISK AND FLOOD INSURANCE.

FLOODING CAUSES MORE THAN 90 PERCENT OF ALL DISASTER-RELATED
PROPERTY DAMAGE IN THE UNITED STATES...HOWEVER MOST HOMEOWNER
INSURANCE POLICIES DO NOT COVER FLOOD DAMAGE. IN 1968...CONGRESS
CREATED THE NATIONAL FLOOD INSURANCE PROGRAM...OR NFIP...IN RESPONSE
TO THE RISING COST OF TAXPAYER FUNDED DISASTER RELIEF FOR FLOOD
VICTIMS. ONLY ABOUT ONE-QUARTER OF THE HOMES IN THE MOST VULNERABLE
AREAS ARE INSURED AGAINST FLOOD LOSS. IN THOSE AREAS...FLOODING IS
MORE LIKELY TO OCCUR THAN A FIRE DURING THE COURSE OF A TYPICAL
30-YEAR MORTGAGE. ACCORDING TO THE FEDERAL EMERGENCY MANAGEMENT
AGENCY...MORE THAN 19,000 COMMUNITIES HAVE AGREED TO STRICTER ZONING
AND BUILDING MEASURES TO CONTROL FLOODS.

UNDER THE NATIONAL FLOOD INSURANCE PROGRAM...CONTENTS ARE NOT
AUTOMATICALLY INCLUDED. IF CONTENTS COVERAGE IS DESIRED...A SPECIFIC
AMOUNT MUST BE NAMED AND A SEPARATE PREMIUM CHARGED. CURRENTLY...
THERE ARE ABOUT 200 COMPANIES THAT SELL NATIONAL FLOOD INSURANCE
COVERAGE...IN ADDITION TO OVER 60000 INDEPENDENT INSURANCE AGENTS.
ANYONE CAN PURCHASE NATIONAL FLOOD INSURANCE...EXCEPT IN SPECIAL
FLOOD HAZARD AREAS. LENDERS MUST REQUIRE BORROWERS WHOSE PROPERTY
IS WITHIN A HIGHLY FLOOD-PRONE AREA TO PURCHASE FLOOD INSURANCE AS A
CONDITION OF RECEIVING A FEDERALLY REGULATED MORTGAGE LOAN.

NOTE THAT A FLOOD INSURANCE POLICY DOES NOT TAKE EFFECT UNTIL 30
DAYS AFTER YOU PURCHASE IT. THEREFORE...YOU WILL NOT BE INSURED IF
YOU BUY A POLICY A FEW DAYS BEFORE A FLOOD. TO DETERMINE IF YOUR
COMMUNITY PARTICIPATES IN THE NATIONAL FLOOD INSURANCE PROGRAM AND
FOR MORE INFORMATION ABOUT FEDERAL FLOOD INSURANCE...VISIT
WWW.FEMA.GOV/NFIP/.

INFORMATION ABOUT FLOOD SAFETY AWARENESS WEEK IS AVAILABLE AT
WWW.WEATHER.GOV/FLOODSAFETY/.

FRIDAY'S TOPIC FOR FLOOD SAFETY AWARENESS WEEK WILL BE FLOOD SAFETY.


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