Although FEMA does have an excellent recovery program, we also have what we call mitigation. Mitigation is aimed at preventing future loss of life and property. Part of the mitigation division is the National Flood Insurance Program. This program consists of three components. The first component is flood plain mapping. FEMA creates flood insurance rate maps for every community in the country. These maps delineate the risk areas. The second component is flood insurance. It is a federally subsidized insurance program that protects homes and businesses from flooding. The third and final component is floodplain management. FEMA makes arrangements with local communities that if they adopt and enforce our minimum standards, we will provide flood insurance to residents within those communities. One of our minimum standards is that the lowest floor of any structure must be built at or above the base flood elevation. The higher above the base flood elevation the lowest floor of a house is, the lower the flood insurance premiums will be. In coastal V zone areas where high velocity wave action is expected, the lowest horizontal structural member of a structure must be at or above the base flood elevation. This is to allow waves to roll under the structure and create less damage. In A zones, we also have minimum building standards. One technique we like to use is the installation of openings, also known as flood vents, around foundation walls. These openings allow water to flow in and out, reducing hydrostatic and hydrodynamic pressures. By maintaining the integrity of the foundation, the hope is that a structure will sustain less damage during a flooding event. We also require that all utilities, such as furnaces and hot water heaters, be elevated to or above the base flood elevation to prevent damage. Studies have shown that structures built properly...
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FEMa 86-0-22 Form: What You Should Know
F-070. Page 4. FEMA-HUD. Federal Home Loan Bank of Atlanta, Incorporated. FHA-11-03 (12/06): A map of the Federal Emergency Management Agency (FEMA) single-family residence floodplain areas identified for FIP purposes and an explanation of the contents of the map. FFB-2-15 U.S. DEPARTMENT OF HOMELAND SECURITY. Federal Emergency Management Agency. For each single-family residence floodplain area delineated on the FEMA National Flood Insurance Program Map of Flood Insurance Rate Areas, an explanation of the contents of the map and a brief description of the proposed National Flood Insurance Program floodplain mapping and floodplain drainage methodologies, including floodplain drainage map (ARAB) maps. F-077-2-15: U.S. DEPARTMENT OF HOMELAND SECURITY. Federal Emergency Management Agency. A summary of an analysis of flood hazard modeling prepared by the Florida National Flood Insurance Program's (FIP) National Flood Hazard Mapping Team and a summary of their flood hazard mapping approach as it relates to proposed floodplain maps. A summary of that methodology and approach, for each individual floodplain area within FIP, including the FEMA map or images of the floodplain (e.g. FEMA Floodplain Map: Orlando, FL) under consideration as the basis for floodplain mapping. FFI-24-1-1: National Guard Bureau of Fire and Emergency Services. Federal Emergency Management Agency. U.S. Army Corps of Engineers.
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