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Preventing Flood Loss
Flooding can occur during any time of the year. Because the land in Terrebonne Parish is low, much of the property is in a special flood hazard area as determined by the Federal Emergency Management Agency. The principal source of floodwaters in Terrebonne Parish is rain, but in late summer, hurricanes and associated tidal surges also pose a serious threat. Floodwater collects because Terrebonne Parish lies at, or below sea level. The low, flat ground provides little gravity drainage, so water that falls must be pumped out. When the ground is saturated and a heavy rain falls quickly, the system can be overwhelmed and flooding can result.
Flood Insurance Pays for More than Repairs
Your flood insurance policy may help pay to elevate, relocate, or demolish your flooded home. If your building is insured through the National Flood Insurance Program (NFIP) with a Standard Flood Insurance Policy (SFIP), you may be eligible for up to $30,000 in Increased Cost of Compliance (ICC) coverage.
If your structure has been damaged by one or more storms adding up to more than 50% of the pre-storm value of the structure, it is substantially damaged. Substantially damaged structures are not compliant with the flood ordinance. As part of the National Flood Insurance Program requirements, the parish must require that substantially damaged structures be elevated, relocated, or demolished. This can cost more than the average homeowner can afford. To help, ICC may cover some of the costs of meeting the community’s rebuilding requirements that will protect your home from future flood damages.
ICC coverage can help to pay the cost of one or any combination of these four mitigation activities. See the links below for more information about eligibility, the process, and the mitigation options (elevation, relocation of the structure, or demolition).
Your insurance carrier and community building department can help you to determine your ICC eligibility and the documentation you will need.
The following further details assistance and recommendations for preventing flood loss:
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