Alabama Community Recognized For Reducing Flood Risks

Alabama Community Recognized For Reducing Flood Risks 

Birmingham, Ala. earns Discount on Flood Insurance Premiums

Release Date: July 11, 2012
Release Number: R4-12-017

» 2012 Region IV News Releases

ATLANTA, Ga. — On July 10, 2012, Birmingham, Ala. was recognized at its city council meeting for its active participation in the National Flood Insurance Program’s (NFIP) Community Rating System (CRS).

The CRS rewards communities that voluntarily take steps to reduce flood risks beyond the minimum requirements of the NFIP. These steps, which include increasing flood protection and implementing preparedness and mitigation activities, lead to safer communities and ultimately help saves lives and property. As a result, property owners and renters in CRS-participating communities enjoy a reduction in flood insurance premiums.

Policyholders in Birmingham first began receiving flood insurance discounts under the CRS program in 1994. As a result of additional steps the community has recently taken, the community moved from a CRS Class 8 to a CRS Class 6 effective May 1, 2012, earning an additional ten percent savings on flood insurance.

There are more than 1,050 flood insurance policies in force in Birmingham, representing more than $175 million in flood insurance coverage. Policyholders located in the high risk areas of flooding, or Special Flood Hazard Areas, can now receive a 20 percent discount on their policy premium, which is an average savings of $247 per policy. Some policyholders in the lower risk areas are eligible for a 10 percent discount. In total, policyholders realize an annual savings of more than $262,000 because of the community’s participation in the CRS program.

CRS is a voluntary program for NFIP-participating communities. The intended goals of the program are to reduce flood losses, facilitate accurate insurance ratings and to promote the awareness of flood insurance. For more information on the NFIP’s CRS program visit www.fema.gov/business/nfip/crs.shtm. For more information about the NFIP, a program administered by the Federal Emergency Management Agency (FEMA), visit www.floodsmart.gov.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

Last Modified: Thursday, 12-Jul-2012 09:18:58

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Alabama Community Recognized For Reducing Flood Risks

Town of Aldora Makes Flood Insurance Available to Its Residents and Property Owners

Town of Aldora Makes Flood Insurance Available to Its Residents and Property Owners 

Town of Aldora, Ga. joins National Flood Insurance Program

Release Date: May 16, 2012
Release Number: R4-12-015

» 2012 Region IV News Releases

ATLANTA, Ga. — The town of Aldora in Lamar County, Ga. is now a participating community in the National Flood Insurance Program (NFIP), which means those living and working in the town can purchase federally-underwritten flood insurance.

Flooding is the most common and costly natural disaster in the U.S. Standard homeowner’s, business owner’s, and renter’s insurance doesn’t cover flood damage, so a separate flood insurance policy can provide property owners with financial protection against the devastating effects of flooding.

On May 10, 2012, Aldora joined the program and is now among nearly 21,000 communities participating in the NFIP nationwide. The NFIP does more than make flood insurance available; it also supports local communities in their efforts to reduce the risk and consequences of serious flooding. In order to participate in the program, a community must agree to adopt and enforce sound floodplain management regulations and ordinances to reduce future flood damage. In exchange for these practices, flood insurance is available to homeowners, business owners and renters in participating communities.

Even if you don’t live in an area at high-risk of flooding, you should still consider flood insurance because anyone can be financially vulnerable to floods. People outside of high-risk areas file more than 20 percent of NFIP claims and receive one-third of disaster assistance for flooding.

The NFIP is administered by the Federal Emergency Management Agency which works with nearly 90 private insurance companies to provide affordable flood insurance to property owners and renters in NFIP-participating communities. Flood insurance policies may be written by state-licensed property and casualty insurance agents.

For more information on the National Flood Insurance Program, visit www.floodsmart.gov.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

Last Modified: Wednesday, 16-May-2012 17:21:56

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Town of Aldora Makes Flood Insurance Available to Its Residents and Property Owners

Town of Denton Makes Flood Insurance Available to Its Residents and Property Owners

Town of Denton Makes Flood Insurance Available to Its Residents and Property Owners 

Town of Denton, N.C. joins National Flood Insurance Program

Release Date: May 16, 2012
Release Number: R4-12-016

» 2012 Region IV News Releases

ATLANTA, Ga. — The town of Denton in Davidson County, N.C. is now a participating community in the National Flood Insurance Program (NFIP), which means those living and working in the town can purchase federally-underwritten flood insurance.

Flooding is the most common and costly natural disaster in the U.S. Standard homeowner’s, business owner’s, and renter’s insurance doesn’t cover flood damage, so a separate flood insurance policy can provide property owners with financial protection against the devastating effects of flooding.

On May 10, 2012, Denton joined the program and is now among nearly 21,000 communities participating in the NFIP nationwide. The NFIP does more than make flood insurance available; it also supports local communities in their efforts to reduce the risk and consequences of serious flooding. In order to participate in the program, a community must agree to adopt and enforce sound floodplain management regulations and ordinances to reduce future flood damage. In exchange for these practices, flood insurance is available to homeowners, business owners and renters in participating communities.

Even if you don’t live in an area at high-risk of flooding, you should still consider flood insurance because anyone can be financially vulnerable to floods. People outside of high-risk areas file more than 20 percent of NFIP claims and receive one-third of disaster assistance for flooding.

The NFIP is administered by the Federal Emergency Management Agency which works with nearly 90 private insurance companies to provide affordable flood insurance to property owners and renters in NFIP-participating communities. Flood insurance policies may be written by state-licensed property and casualty insurance agents.

For more information on the National Flood Insurance Program, visit www.floodsmart.gov.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

Last Modified: Wednesday, 16-May-2012 17:21:29

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Town of Denton Makes Flood Insurance Available to Its Residents and Property Owners

Get FloodSmart: Protect Now With Flood Insurance

Get FloodSmart: Protect Now With Flood Insurance 

30-Day Countdown to the 2012 Hurricane Season Begins May 2

Release Date: May 1, 2012
Release Number: HQ-12-033

WASHINGTON, D.C. — Every year, thirty days from the start of hurricane season, FEMA officials urge U.S. residents to prepare their homes and businesses for the heightened flood risks associated with hurricanes and tropical storms. This year, FEMA is placing more urgency in this message due to the expiration of the National Flood Insurance Program (NFIP) on May 31, 2012, the day before the 2012 hurricane season begins on June 1st.

The authorization for the National Flood Insurance Program is scheduled to expire on May 31 unless Congress acts in advance to reauthorize it. The NFIP makes federally backed flood insurance available to homeowners, renters and business owners. The NFIP identifies areas of flood risk; it encourages communities to implement measures to mitigate against the risk of flood loss; and it provides financial assistance to help individuals recover rapidly from flooding disasters.

“Flood insurance is essential to help protect against the devastating effects of flooding, and the time to act is now,” said David Miller, Associate Administrator for FEMA’s Federal Insurance and Mitigation Administration. “As we approach a potentially active hurricane season, FEMA is urging Congress to reauthorize the NFIP and send a clear signal to citizens, communities, and private sector partners that the federal government will continue to support our nation’s efforts to manage flood risk.”

Flooding is the most common and costly natural disaster to affect every state across the country. Severe weather has already brought significant flood events to many states in the U.S. As we continue to monitor conditions and respond to these events, we must also look forward to summer and hurricane-related weather patterns that will heighten flood risks for many.

FEMA also stresses that flood risks associated with hurricane season extend beyond the Gulf and Southeastern coasts. The largest amounts of rainfall from hurricanes are often produced by slow moving storms that stall out miles from a shoreline as did Tropical Storm Lee in 2011. In addition, last year Hurricane Irene caused major flooding over much of the mid-Atlantic and Northeast when it moved inland, with high winds and torrential rains.

FEMA is urging residents to purchase flood insurance now. Flood insurance is available through more than 85 insurance companies in nearly 22,000 participating communities nationwide. Most everyone can purchase flood insurance – including renters, business owners, and homeowners. Flood insurance is also affordable. The average flood insurance policy is around $625 a year. And in moderate- to low- risk areas, homeowners can protect their properties with low-cost Preferred Risk Policies (PRPs) that start at just $129 a year. Individuals can learn more about their flood risk by visiting www.FloodSmart.gov or calling 1-800-427-2419.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

Last Modified: Wednesday, 02-May-2012 08:45:23

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Get FloodSmart: Protect Now With Flood Insurance

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