What is the National Flood Insurance Program?
The National Flood Insurance Program was created by congress in 1968 to reduce the loss of life and property, and the rising disaster relief costs caused by flooding. The program was designed to achieve these goals by: 1) requiring that new and future substantially improved buildings be constructed to resist flood damages; 2) guiding future development away from flood hazard areas; and 3) transferring the costs of flood losses from the American taxpayers to floodplain property owners through flood insurance premiums. In recent decades, over 80 percent of disaster losses nationwide have been caused by floods.
The NFIP is a voluntary program based on a mutual agreement between the federal government and the local community. Federally-backed flood insurance coverage is available to any property owner in return for mitigation of flood risks by community regulation of floodplain development. Flood insurance, and most types of federal financial assistance, such as mortgage loans and grants, are only available in those communities that adopt and enforce a floodplain management ordinance that meets or exceeds the minimum NFIP standards. These same standards must also be adhered to by all federal agencies under a Presidential Floodplain Management Executive Order.
Pender County is a generally flat county and consequently has experienced flooding on the coast and near waterways. To view the Flood Insurance Rate Maps (FIRM) that have been issued for Pender County click on this link: http://gis.pendercountync.gov/maps/. These maps were adopted in 2007 and are considered the effective maps to determine the flood risk for Pender County. Additionally, floodplain data is provided in digital format to be viewed and downloaded from the NC Floodplain Mapping Program (NCFMP)’s web site at https://fris.nc.gov/fris/Home.aspx . Preliminary floodplain maps for the new FIRM are available but have not been adopted. Directions on how to access the Preliminary Maps.
To review the local floodplain ordinance click on this link: Pender County Flood Damage Prevention Ordinance.
FEMA Flood Preparedness Public Service announcement: View in FEMA Multimedia Library
FEMA’s Hazard Mitigation Assistance (MA) grant programs provide funding for eligible mitigation activities that reduce disaster losses and protect life and property from future disaster damages. Currently, FEMA administers the following HMA grant programs:
- Hazard Mitigation Grant Program (HMGP)
- Pre-Disaster Mitigation (PDM)
- Flood Mitigation Assistance (FMA)
- Repetitive Flood Claims (RFC)
- Severe Repetitive Loss (SRL)
The HMA grant programs provide funding opportunities for pre- and post-disaster mitigation. FEMA’s HMA grants are provided to eligible Applicants that, in turn, provide sub grants to local governments and communities.
Flood Information Links
- Association of State Floodplain Managers (ASFPM)
- Community Status Book (FEMA)
- Elevation Certificate self study (FEMA)
- FEMA Independent Study Program
- Flood Protection Information
- Floodplain Mapping Project
- North Carolina Association of Floodplain Managers (NCAFPM)
- Flood Insurance Reform Act 2012