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ICC Funds Aids Elevation Project Near the Arkansas River

BEE COUNTY, TX - In 1996, Jason and Alice Dickenson purchased an old, 1,800 square-foot wood-frame home in the unincorporated town of Skidmore, Texas. They were unaware of the zoning, building restrictions, community ordinances, and the need for homeowners insurance.

On Aug. 30, 2001 the Aransas River topped its banks and more than four feet of water poured into their home. “We could tell that the water was rising. We grabbed whatever we could and got out of harm’s way. The water just seem to pick everything up and set it down some place else,” Alice said.

Their home was insured for the amount of the mortgage. The Dickenson’s learned that they lived in a community participating in the National Flood Insurance Program (NFIP). NFIP makes available flood insurance and requires communities adopt a minimum local floodplain management ordinance that regulates new and substantially improved development in identified flood hazard areas.

In addition to building coverage, NFIP policyholders with substantially damaged homes (cost of repair more than 50 percent of its pre-flood value) are eligible for Increased Cost of Compliance (ICC) benefits. ICC coverage provides up to $30,000 to elevate, demolish, or relocate the home, protecting it from future flood damage. The coverage is included under all regular NFIP policies issued or renewed after June 1, 1997. To their surprise, they were covered.

The Dickenson’s decided to rebuild in the same location and vowed they would be ready for the next flood. They met with the county’s floodplain manager, who gave them sound advice: elevate. The base flood elevation in their community is 123.5 feet above sea level. They decided to build a Jim Walter “Lakeside” Home on pilings.

“Building codes specifically said that we had to build above the floodplain if we wanted to stay out here,” stated Mrs. Dickenson. “The pilings are 15 feet tall. Jim Walter normally quotes 6 feet. We used our ICC funds to defray the cost of the elevation. We wanted to stay within the guidelines.”

On June 18, 2007 the Aransas River again crested, spilling on to their property. The Dickenson’s watched as it slowly crept on the lawn, but knew there wasn’t a need to panic. Their new home sitting on pilings gave them a feeling of security.