Note: This is the first of three blog entries on flood resilient communities

Flooding is the one disaster to which every community is vulnerable. And as we have learned from the recent flood devastation in Nashville and New Jersey, property owners considered outside delineated flood zones can have a rude awakening if the rains hit hard and fast. Many residents and business owners outside the 100-year floodplain believed themselves safe from flooding and did not have flood insurance. They had a harsh lesson from which we can all learn.

Since standard insurance policies do not cover flooding, property owners have the opportunity to purchase protection through the National Flood Insurance Program (NFIP) if their community meets FEMA requirements to adopt and enforce ordinances for reducing flood risks.

While community participation in the NFIP is voluntary, nearly 21,000 communities across the United States and its territories participate. Only in participating communities do homeowners, renters and business owners have access to federally backed flood insurance.

Having and enforcing an adequate floodplain management plan is a mark of a resilient community. Adopting standards that exceed NFIP standards means a community might sustain even less damage and recover more quickly. Translated: floodplain management saves money, property, and lives.

Beyond that, there are costs to a community for not participating in the NFIP. Federal officers or agencies, such as Veterans Affairs or Federal Housing Administration, are prohibited from approving any form of financial assistance related to land located in a Special Flood Hazard Area. If a Presidential disaster is declared, no federal financial aid can be used to repair or reconstruct flood-damaged homes.

Without community oversight of building activities in the floodplain, the best efforts of some to reduce future flood losses can be compromised by the careless practices of others. Likewise, insurance rates will be adversely affected.

After a disaster, non-participating communities can apply to join the NFIP within six months and, if accepted, limitations on federal disaster assistance will be lifted. But after a disaster is not the best time for a community to undertake an application. Neither is it wise for individuals to secure insurance after the flood damages or destroys a home or business, or to wait for the forecast that predicts severe flooding since most insurance programs don’t allow for last minute policies.

There are distinct benefits for living in a flood resilient community. Exceeding the minimum NFIP requirements can mean insurance discounts of between 5 and 45 percent. Further, the program has resulted in insurance reductions of nearly $1 billion annually. According to the NFIP, buildings that meet flood construction standards suffer approximately 80 percent less damage than non-compliant structures.

It’s worth noting that FEMA reports that up to 25 percent of NFIP flood insurance claims are paid on buildings that are outside the mapped Special Flood Hazard Area, those areas where floodplain management regulations must be enforced and where flood insurance is mandatory.

Resilience begins at home. The best way to protect your investment in your home is to have adequate coverage. If you live in a community that is not in the NFIP, private insurance can be purchased. Visit www.floodsmart.gov for a listing of agents by community. You can find out if your community participates in the NFIP by going to www.fema.gov/fema/csb.  If your community is not part of the program, you can petition your local government to participate.

For those not subject to the NRIP regulations requiring flood insurance, it is especially important to self-regulate and purchase insurance and use flood damage-resistant materials and building practices. Stay tuned, this is the subject of the next blog on flood resilient communities.