This page provides information for property owners on rebuilding homes or businesses damaged or destroyed during a coastal storm.
Old Saybrook, Conn., Nov. 26, 2012 -- Properly designed footings, pilings and a flow-through design kept this coastal home safe.
If your home or business was damaged or destroyed by a coastal storm, you face major decisions about your property. Do you repair? Do you rebuild? Do you relocate?
The decisions you make now can help provide a safer, stronger future for you and your family. If you decide to repair or rebuild, here are some points to consider:
The risk you faced yesterday might not be the same risk you face today or in the future;
By rebuilding using technical guidance from FEMA, you can reduce — or perhaps avoid — future flood loss and reduce the impact on your finances; and
The financial consequences of not having flood insurance coverage could be devastating if another flood occurs.
Reduce Your Risk, Reduce Your Premium - Know your Base Flood Elevation
A primary way to reduce or avoid future flood losses is to raise your building above the Base Flood Elevation (BFE).
The BFE is the high water mark in a flood having a 1% probability of occurring in any given year. The BFE is also referred to as the "100-year storm" or the floodplain. While storms greater than the 1% chance flood can and do occur, the BFE is used as the regulatory requirement for the elevation or floodproofing of structures. While the regulatory requirement is to elevate or floodproof structures to the BFE, to reduce your risk further, properties can be built to one foot above the BFE or more.
The relationship between the BFE and a structure's elevation, along with building considerations such as flood vents and elevated utilities, determines the flood insurance premium.
Find your flood map at FEMA's Flood Map Service Center.
As communities begin to recover from the devastating effects of a coastal storm, it is important to recognize lessons being learned and to employ mitigation actions that ensure structures are rebuilt stronger, safer and less vulnerable to future flooding events. Following significant disasters, Advisory Base Flood Elevations (ABFEs) may be issued. This more recent risk analysis enables property owners to make informed choices when rebuilding.
ABFEs may reflect a higher flood elevation than the BFE shown on the current regulatory FIRMs. Property and business owners should check with their local building official to fully understand any requirements for using ABFEs in rebuilding efforts.
Hurricane Sandy Advisory Base Flood Elevations
Prior to Hurricane Sandy, FEMA, as administrator of the National Flood Insurance Program (NFIP), was restudying areas of the New Jersey and New York coastlines to update Flood Insurance Rate Maps (FIRMs). These updated maps were set to be delivered to state and local officials in mid-2013. Since existing FIRMs for these areas were developed more than 25 years ago and because updated FIRMs are yet to be finalized, it was vital to provide near-term ABFEs to support reconstruction efforts. Hurricane Sandy ABFEs have been superseded by preliminary FIRMs in all NY and NJ counties, with the exception of Rockland County, NY.
To learn more, visit the FEMA Region II Preliminary Flood Maps & Data website.
For additional resources and information on Hurricane Sandy, the FEMA relief effort, disaster assistance, FEMA disaster aid programs and more, visit the FEMA Hurricane Sandy website.
FEMA Rebuilding Guidance
FEMA Building Science Branch offers a variety of free technical guidance materials and training to assist with reconstruction after a coastal storm event. This guidance is developed through industry and inter-agency research and collaboration. For example, FEMA-led inter-agency Mitigation Assessment Teams (MATs) may go into the field after a disaster to analyze how buildings performed in the coastal storm. The resulting MAT Report includes recommendations that are often adopted in model building codes and incorporated into guidance for better and stronger construction practices.
In some cases, this guidance goes above local building code requirements. Property owners who want to rebuild stronger and safer should select architects and builders/developers who are familiar with FEMA's guidance.
In many cases, a relatively small up-front investment can result in a big savings down the road in losses avoided. Publications and guidance pertaining to residential coastal construction are developed by FEMA's Building Science Branch.
Additional resources and information are available on the FEMA Building Science Branch Hurricane Sandy website. For more detailed information regarding builders/developers, please visit the Coastal Resources for Home Builders, Developers and Construction Professionals webpage.
For More Information
To learn more about rebuilding in Zones AE or VE, and to view frequently asked questions about deciding to rebuild, these fact sheets may help.
For more information about flood insurance, visit FEMA’s National Flood Insurance Program webpage or call the National Flood Insurance Program Help Center at 1-800-427-4661.
Visit FEMA's Flood Insurance Reform webpage for information on the Homeowner Flood Insurance Affordability Act of 2014 and other reforms.
FloodSmart Coastal Webpages provide basic information on coastal flooding, flood insurance, flood mapping and other coastal hazards.
Communities may be eligible for Hazard Mitigation grants and loans, click on FEMA’s Hazard Mitigation Assistance webpage.
Through a questionnaire, individuals can get a tailored list of assistance available on DisasterAssistance.gov.
To learn how to build safer and stronger and potentially decrease your flood insurance premiums, go to the FEMA Building Science Branch website.
For information about local building code and permit requirements, contact your community officials.