National Flood Insurance Program Probation for Port Vincent, Louisiana

DENTON, Texas- Efforts are ongoing by the Federal Emergency Management Agency (FEMA) to assist the village of Port Vincent, Louisiana hold on to its National Flood Insurance Program (NFIP) status; a status that it is in jeopardy of losing if it does not correct current floodplain management violations.

The National Flood Insurance Program (NFIP) makes flood insurance available in communities where minimum local floodplain management standards are adopted and enforced. FEMA recently issued a letter to Port Vincent that establishes a deadline of March 1, 2013 for the village to correct certain violations and program deficiencies.

The deficiencies cited in the probation letter include the failure to manage floodplain development in accordance with the village’s floodplain program and a lack of adequate administrative procedures and record keeping.

While the village works to correct these violations, property owners will still be able to purchase and renew flood insurance coverage during the probationary period. However, a $50 surcharge will be added to any policy sold or renewed in the community for the next year beginning on March 1, 2013. There are currently 103 flood insurance policies in the village.

If the village fails to make progress by Sept. 1, 2013, it could be suspended from the program. The result of suspension is the loss of federally backed flood insurance in the community.  Residents in the village will not be able to purchase or renew their flood insurance policies after the suspension occurs.

Additionally, if a flood disaster occurs in a suspended community, most types of federal disaster assistance for structures within the Special Flood Hazard Area (SFHA), including federal assistance to individuals and households is not available. Also, the Flood Disaster Protection Act of 1973 prohibits federal agencies from making grants, loans, or guarantees for the acquisition or construction of structures located in a SFHA.

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