Floodproof Now to Protect Your Structure

Posted on: October 31st, 2017 by Brent Gotsch

The best way to pre­vent dam­age to struc­tures in a flood­plain is to not have them in the flood­plain at all. How­ever, that is not always pos­si­ble. To pro­tect struc­tures from flood­ing and obtain a reduc­tion in flood insur­ance pre­mi­ums, options are to ele­vate (for res­i­den­tial struc­tures) or flood­proof (for non-residential structures).

If you are inter­ested in ele­vat­ing or flood­proof­ing your struc­ture, the Fed­eral Emer­gency Man­age­ment Agency (FEMA) has sev­eral good resources avail­able that pro­vide guid­ance on how to do that. In most cases a con­trac­tor will need to be hired to do the actual work.

A great overview doc­u­ment on ele­va­tion, flood­proof­ing and sev­eral other mit­i­ga­tion alter­na­tives is FEMA’s Homeowner’s Guide to Retro­fitting (3rd Edi­tion).

There are other meth­ods to help pro­tect your struc­ture, but they may not result in lower insur­ance pre­mi­ums. How­ever, they can help to reduce dam­ages and are wor­thy of con­sid­er­a­tion for imple­men­ta­tion. The FEMA doc­u­ment “Reduc­ing Flood Risk to Res­i­den­tial Build­ings” is a good source of addi­tional infor­ma­tion on this topic.

Pro­tect­ing your struc­ture from flood dam­age can be a com­pli­cated and expen­sive process, but it is essen­tial to either reduce insur­ance pre­mi­ums and/or pro­tect prop­erty from flood dam­age. Use the resources above as a first step in planning.

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