By Moshe Farache
The Federal Emergency Management Agency (“FEMA”) has the responsibility to identify flood zones in every state in the United States. Every community is entitled to participate in the agency's National Flood Insurance Program with premium rates determined by the risks of area flooding. FEMA has identified each zone location with an alphabet designation.
Homes and businesses in Manalapan can determine their flood and water damage risk in a couple of ways. You can go to floodsmart.gov. or fema.gov. You can also go to your city or town hall, or if you are buying a home, your realtor or insurance agent can help. EXPRESS EMERGENCY SERVICES has provided information on what to do when a flood is imminent, how to protect yourself during a flood and what to do after a flood.
FEMA states that we all live in a flood zone. It is just a question of where – low, moderate, or high risk. High-risk areas are denoted with the letters “A” or “V.” There is a 1 in 4 chance of flooding during a 30-year mortgage. All homes and businesses in these zones are required to buy flood insurance.
Moderate to low-risk areas are identified with the letters “B,” “C,” or “X.” There is a low risk of flooding in these areas. Flood insurance is not necessarily required in moderate to low-risk area, but there is a But! Families and businesses in these zones are responsible for submitting around 20% of flood insurance claims, and they receive 1/3 of Federal disaster assistance for flooding.
An undetermined flood zone area is noted with the letter “D.” This means that they possibly could be affected by heavy flooding. Rain filled areas in these zones are an uncertainty for insurance rates. Weather patterns are changing and only time will provide more information.
EXPRESS EMERGENCY SERVICES is another professional source for helping you to determine if you live in a flood zone area. Depending on the type of flood zone your property is located in, it will have serious effects on the cost of property ownership, yes, even if it does not flood. This is why your must perform research before you buy property.
Being a property owner is onerous and joyous, but it is important to verify which flood zone area your property lies in. Before water damage wrecks your home life or your business, take a few minutes to be fully informed about your flood zone status.EXPRESS EMERGENCY SERVICES is available 24 hours a day, 7 days a week when water disasters happen. Handling flood damage is our cornerstone.
We are proud to be a part of this community. Contact us when a water emergency occurs and let us help you get back to normal. Call us at 888-334-5994.
