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The purpose of an Elevation Certificate is to provide structure elevation information. This information is used for compliance with community floodplain ordinance, determine proper insurance premium, helps in support of a LOMA (Letter of Map Amendment) or LOMA – F (Letter of Map Amendment – Fill) application. Also, an elevation certificate will help rate Post-Firm buildings flood insurance premium.
The three most common types are riverine, coastal, and shallow.
Riverine flooding is when a channel receives too much water, the excess flows over its banks and into and the adjacent floodplain. Coastal flooding is caused by hurricanes and severe storms. High winds and changes in air pressure push water toward the shore causing a storm surge. Shallow flooding occurs in flat areas where a lack of channels means water cannot drain away easily. For more information about the NFIP and floods go to Flood Insurance .
The National Flood Insurance Program (NFIP) defines a flash flood as a severe storm that drops much rainfall in a short time. Flash floods can occur in all fifty states, areas with steep slopes and narrow stream valleys are particularly vulnerable. In hilly areas, the high-velocity of water flow and short warning time makes the flash floods hazards and very destructive. There have been more deaths in the United States caused by flash floods than any other type of flooding. For more information about the NFIP and floods go to Flood Insurance
The National Flood Insurance Program (NFIP) says the most common type of flooding is called overbank flooding. Overbank flooding occurs when downstream channels receive more rain or snowmelt from the watershed than normal, or a channel is blocked by an ice jam or debris. Overbank flooding varies with the watershed’s size and terrine. One measure of a flood is the speed of its moving water. Hilly and mountainous areas have faster moving water. There is a greater hazard to people and property when water is moving fast. Water does not move as fast on flat terrain. For more information about the NFIP and floods go to Flood Insurance
How Flood Vents Could Have Protected Your Property from Structural Damage
Although Hurricane Irene’s winds and storm surge fell short of the doomsday predictions, it did a lot of damage to states up and down the Eastern seaboard, from the Carolinas to Maine. Even in landlocked areas like Vermont, torrential rains turned tranquil streams into raging rivers that damaged homes and businesses. High winds and tides flooded many other areas. In fact, Irene may go down as one of the costliest Category 1 hurricanes in U.S. history.
Many homeowners and business owners sustained tremendous damage due to flood waters and storm surge. Those who had installed flood vents were certainly at an advantage.
Reducing the Potential Impact of a Flood
The Federal Emergency Management Agency (FEMA) cites flood vents as one of their “best practice” recommendations for reducing structural damage due to flooding. The purpose of flood vents (also called “flood gates”) is to reduce structural damage from flooding.
These permanent openings accomplish this objective by allowing water to pass into or out of a building’s exterior foundation walls. In a flood situation, if the water pressure inside and outside your home can’t equalize rapidly enough, the foundation walls could blow out. In addition, this pressure can compromise the foundation and make your home unsafe to live in. Studies have shown that houses with proper flood vent openings survive a flood; homes without such openings collapse. Read more at flood vents.
What is a watershed? The National Flood Insurance Program (NFIP) defines a watershed as an area that drains into a lake, stream or other body of water. Other names for a watershed are basin or catchment area. Watersheds vary in size and larger ones can be divided into sub-watersheds. Watersheds can contain channels that carry water through and out of a watershed. When channels receive too much water the excess water flows over its banks of the channels and into adjacent floodplains which causes flooding. Flooding that occurs along a channel is called riverine flooding. For more information about the NFIP and floods go to www.crawlspacedoors.com
Why do I need crawlspace ventilation? The main source of crawl space moisture is caused by ground evaporation and ventilation allows for dissipation of this evaporation. Proper ventilation exhaust moisture from the crawlspace and replaces it with fresh drier air. According to the EPA the way to control mold is to control moisture. Ventilation allows for effective moisture control. Ventilation also helps to remove odors and radon from the crawlspace. For more information about the crawlspaces and ventilation go to www.crawlspacedoors.com
What is a flood and a floodplain? The National Flood Insurance Program (NFIP) defines a flood as a general and temporary condition of partial or complete covering of two or more acres of normally dry land area from overflow of inland or tidal waters, from unusual and rapid accumulation or runoff of surface waters from any source, or from mudflow. NFIP defines a floodplain as any land area susceptible to being covered by floodwaters from any source. Therefore, everyone in the United States lives in a floodplain. Floods can be caused by heavy rains, mudflows, tidal waters, tropical storms, fires that remove many acres of timber, and new development that alters natural drainage. Floods are very dangerous just two feet of rushing water can carry away most vehicles, even SUV’s and pick-up trucks. For more information about the NFIP and floods go to www.crawlspacedoors.com
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