Flood damage is not typically covered by a homeowners insurance policy. Flood insurance maps usually are on file in a local repository in the community, such as the planning offices / county building inspector.ĭoesn't my homeowners insurance policy cover flooding? Where can I find more information about the maps that were used to Determine my relative risk level for flood?įEMA publishes maps indicating a community's flood hazard areas and the degree of risk in those areas. Even then, those loans are only available if the President formally declares a disaster and must be repaid along with any existing mortgage. Federal disaster assistance typically comes in the form of a low interest loan to help cover flood damage, not compensation for your losses. Example Searches: Search by Address: 123 Water St, Floodtown, GA 30000. If my home is flooded, won't federal disaster assistance pay for my damages? Enter your property address, the name of your county/community, or if you already know the ID number for the FIRM panel that you are looking for, you can enter that as well. A home mapped in a high-risk area is 2 1/2 times more likely to suffer damage from a flood than a fire in the lifetime of a typical mortgage!įor these reasons, flood insurance is required by law for buildings in high-risk flood areas as a condition of receiving a mortgage from a federally regulated or insured lender. Structures located in high-risk flood areas have a significant chance (26 percent) of suffering flood damage during the term of a 30-year mortgage. Properties on a hillside can be damaged by mudflow, a covered peril under the Standard Flood Insurance Policy. Poor drainage systems, rapid accumulation of rainfall, snowmelt, and broken water mains can all result in flood. Why do I need flood insurance, even though my community has never been flooded?įlooding occurs in moderate-to-low risk areas as well as in high-risk areas. This Wayne County Administration is committed to working with the Cities of Jesup, Odum and Screven as well as the Industrial Development Authority and Industry both local and state-wide to "grow Wayne County".įederal Emergency Management Agency has revised the flood maps for Wayne County, Jesup, Odum and Screven. Latest Flood Risk Information (2018 Flood Mapping) - FEMA REGION IV Office Suite 270 3003 Chamblee-Tucker Road Atlanta, GA 30341 NFIP REGION IV Office Post.
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