New construction and substantially improved properties have elevation certificates and have been constructed with flood protection measures. Measures to protect a home from flood damage include: elevating the home, improving grading of yards or correct drainage problems. Wind damage can be reduced by installing storm shutters or reinforced garage doors.

Homeowners can prepare to protect their home in cases where time permits by moving essentials to higher levels, covering widows and glass with plywood, bring in all outdoor furniture, bring in outdoor decor and garbage cans, put sand bags around the home, turn off electrical power, main gas valve and water main, and remove anything that can clog drains or vents. 

The CRS program does recognize "retrofitting" as a method by which homeowners can reduce damage from flooding by one of the following methods:

1. Elevate the structure above the base flood elevation

2. Construct a barrier between the home and source of flooding

3. Dry flood-proofing, or sealing of a building

4. Wet flood-proofing or construction that allows water to flow below the first floor

5. Basement protection to prevent flooding from sewer backup or sump pump failure

Substantial Improvement/Damage Requirements

The National Flood Insurance Program requires that if the cost of the reconstruction, rehabilitation, addition or other improvements to a building equals or exceeds 50% of the building's market value, then the building must meet the same construction requirements as a new building. Substantially damaged buildings must be brought up to the same standards. Construction permits are required prior to building of any kind. In some instances a zoning permit may also be required (Minor Land Use Application). 

Are You Flood Ready?