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Mitigating Flood Risks and Insurance Coverage

Understanding Flood Risk and the Importance of Mitigation

Flood mitigation strategies are designed to minimize or eliminate the potential damage from flooding in a cost-effective way that complies with floodplain regulations. Undertaking mitigation actions can potentially reduce premiums and simplify flood damage recovery. Though beneficial, it’s important to note that mitigation does not replace the need for flood insurance, especially in flood-prone regions where it is mandatory.

Different Types of Flood Mitigation

Mitigation for flooding takes several forms, including:

  • Relocation
  • Abandoning Lower Floors
  • Basement Infills
  • Wet Flood Proofing

FEMA determines whether or not you’ll qualify for a flood insurance discount, so don’t hesitate to inquire about your options.

Retrofitting for Flood Resistance

Retrofitting, or making modifications to a structure to resist flooding, is another way to protect against flood damage. Some examples of retrofitting might include:

  • Ensuring the lowest floor is elevated to meet or exceed regulated flood levels per local ordinances
  • Abandoning the bottom floor of the structure, effectively making the home a second-floor residence
  • Relocating structures to higher ground outside of the flood hazard zone
  • Filling in a basement or any areas with floors below the first level
  • Installing flood openings (wet flooding) that allow water to flow in and out of areas, thereby reducing structural damage risks

Have Questions or Need Flood Insurance?

Various flood risk management options may be available to help with flood mitigation and retrofitting costs. Check if these are available in your area, and if not, consider discussing it with government entities. Regardless, flood insurance is essential coverage you should not overlook. Contact our team at Land Home Insurance Services today to learn more.

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