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Governor's Winter Safety Week Resolution
2012-2013 Ohio Winter Summary
Preparedness for Schools
Ice & Snow, Take It Slow
Winter Safety Tips For The Home
Winter Safety Tips For For The Vehicle
Winter Safety Tips For Fire Safety
Winter Health & Safety Tips
Snow Emergency Classifications
Wind Chill Index
Flood Information and Safety Tips
Flood Insurance Information
Carbon Monoxide Information & Safety
Portable Generator Info
Severe Winter Storm Resource List
Flooding can occur during any season. The National Flood Insurance Program (NFIP) estimates that 90 percent of all natural disasters involve flooding. Over the life of a 30-year loan, there is about a 3-times greater chance of having a flood in your home than having a fire.
If you are interested in obtaining flood insurance, visit FloodSmart.gov. At this site, you will be able to find a local agent, learn additional flood facts, assess your flood risk, and file a claim.
The Preferred Risk Policy offers multiple coverage combinations for both buildings and contest (or contents-only, for renters) that are located in moderate-to-low risk areas (B, C and X zones). Preferred Risk Policies are available for residential or non-residential buildings also located in these zones, and that meet eligibility requirements based on the building’s entire flood history.
In January of 2011, FEMA extended availability of the Preferred Risk Policy (PRP) for two years to buildings newly mapped from moderate-to-low risk areas into high-risk areas, or Special Flood Hazard Areas (SFHAs). SFHAs are shown as zones beginning with the letter “A” or “V” on flood maps. The extension applies in areas remapped on or after October 1, 2008.
Effective January 1, 2013, FEMA continued to make the PRP available for properties newly mapped into an SFHA since October 1, 2008.
Effective October 1, 2013, these policy premiums increase 20 percent each year, as part of premium rate revisions put in place by the Biggert-Waters Flood Insurance Reform Act of 2012 (BW-12). The Homeowner Flood Insurance Affordability Act of 2014 indicated that with limited exceptions, flood insurance premiums cannot increase more than 18 percent annually. Click here for more information about this new law.
Buildings that meet the above requirements must also meet the PRP loss history requirements. If there are two prior claims on the property, disaster relief payments for flood-related damage of $1,000 or more, or three losses of any amount, the structure is ineligible for the PRP.
Refer to the National Flood Insurance Program (NFIP) Flood Insurance Manual for a full list of eligibility requirements (Oct. 2013).
To view flood insurance policy rates, click here.
For additional information, contact an insurance agent. Previous and current flood zone documentation for your property will be needed to validate your Preferred Risk Policy extension eligibility.
Click here for county floodplain map update information. (Updated Link) (http://www.dnr.state.oh.us/water/tabid/3524/Default.aspx)
You can also obtain historic maps and current effective maps through FEMA’s Map Service website: www.msc.fema.gov.
Most forms of federal disaster assistance are available to individuals and businesses only if the president declares a federal disaster for a specified area or areas. Through the Federal Emergency Management Agency (FEMA), the Individuals and Households Program (IHP) provides money and services to people in the disaster area when losses are not covered by insurance and property has been damaged or destroyed. IHP is designed to help people with critical expenses that cannot be covered in other ways.
The following lists assistance available through IHP: Housing Assistance (which includes temporary housing, repair, replacement and semi-permanent or permanent housing construction) and Other Needs Assistance (which includes personal property, transportation, medical, dental and funeral expenses).
IHP is not intended to restore damaged property to its condition before the disaster. IHP may only provide enough money, up to the program limits, to return an item to service. A resident may be required to purchase flood insurance if a dwelling is in a Special Flood Hazard Area.
While some money is available through Individuals and Households Program, most disaster aid from the federal government is in the form of loans from the Small Business Administration (SBA) Disaster Loan Program, which must be repaid. SBA provides low-interest disaster loans to homeowners, renters, businesses of all sizes, and to private, nonprofit organizations.
The State of Ohio Individual Assistance Grant Program (State IA Program) may also be available to flood victims for losses and expenses incurred by individuals and families who do not qualify for the SBA loan program.
After a disaster, you are often confronted with making difficult repair decisions in a short period of time. It is important that you educate yourself to avoid dishonest contractors during these hectic times.
Victims of any recent storm or flooding should be extremely cautious and not let the sense of urgency to repair lead them into making a regrettable decision.
Before hiring contractors, check their references and clear them through a local Better Business Bureau or the Ohio Attorney General’s Consumer Protection Section. For a list of bureaus in Ohio, click here.
For additional information, click on the following links: