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My document Flood Insurance
My document National Flood Safety Awareness Week
March 17-21, 2014
HouseinWater
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2014 Forecasts

The National Weather Service wraps up its annual Flood Safety Awareness Week campaign today with the theme of Partner Resources

The National Weather Service works with and relies on strategic partners involved in river observations, reservoir management, floodplain management, flood hazard mitigation, and flood preparedness and safety to reduce the loss of life and property due to floods. Today we are sharing some great tools from several of our partners.

American Red Cross Family Disaster Plan

Federal Alliance for Safe Homes (FLASH) Flood Safety Information

Federal Emergency Management Agency (FEMA) Safety Information

Safety Kit Assembly

Property Protection and Flood Insurance

Assess Your Flood Risk

United States Army Corps of Engineers Flood Information

United States Geological Survey Water Watch

Water Alert - National Water Information System

The National Weather Service works with many key partners to complete the mission of protecting life and property. Some additional key partners are the National Hydrologic Warning Council, Association of State Floodplain Managers, the National Safety Council, media outlets, and many other government and private sector organizations. For more information about any of our partners, or to learn about partners local to our area, contact the Great Falls NWS office.

As we wrap up the 2014 Flood Safety Awareness Week, remember, flooding can occur in any of the fifty states or U.S. territories at any time of the year. Prepare yourself, your family, and your home. Be aware of potential flooding in your area, Turn Around Don.t Drown, and help make the U.S. a more Weather Ready Nation! http://www.nws.noaa.gov/com/weatherreadynation/

For more information please email hydro.outreach@noaa.gov

or contact your local National Weather Service offices in Montana...







Flood Statistics

Source: FEMA - National Flood Insurance Program

  • Your home has a 26% chance of being damaged by a flood during the course of a 30-year mortgage, compared to a 9% chance of fire.
  • Roughly 25% of all claims paid by the National Flood Insurance Program are for policies in low- to moderate-risk communities.
  • The average annual U.S. flood losses in the past 10 years (1996-2005) was more than $2.4 billion.
  • When your community participates in the Community Rating System (CRS), you can qualify for an insurance premium discount of up to 45%. Read more about CRS Ratings.
  • The National Flood Insurance Program awarded nearly $16 billion in flood claims in 2005.
  • Since 1978, the National Flood Insurance Program has paid $31.4 billion for flood insurance claims and related costs (as of 3/31/06).
  • Over 5 million people currently hold flood insurance policies in more than 20,200 communities across the U.S.



Fast Flood Facts

Source: FEMA - National Flood Insurance Program

  • Floods and flash floods happen in all 50 states.
  • Everyone lives in a flood zone. (For more information, visit the Frequently Asked Questions about Flood Zones)
  • Most homeowners insurance does not cover flood damage.
  • If you live in a Special Flood Hazard Area (SFHA) or high risk area, your mortgage lender requires you to have flood insurance. (To find out if you are in an SFHA, visit What's Your Flood Risk?)
  • Just an inch of water can cause costly damage to your property.
  • Flash floods often bring walls of water 10 to 20 feet high.
  • A car can easily be carried away by just two feet of floodwater.
  • Hurricanes, winter storms and snow melt are common (but often overlooked) causes of flooding.
  • New land development can increase flood risk, especially if the construction changes natural runoff paths.
  • Federal disaster assistance is usually a loan that must be paid back with interest. For a $50,000 loan at 4% interest, your monthly payment would be around $240 a month ($2,880 a year) for 30 years. Compare that to a $100,000 flood insurance premium, which is about $500 a year ($33 a month).
  • If you live in a low to moderate risk area and are eligible for the Preferred Risk Policy, your flood insurance premium may be as low as $130 a year, including coverage for your property's contents.
  • You are eligible to purchase flood insurance as long as your community participates in the National Flood Insurance Program. Check the Community Status Book to see if your community is already an NFIP partner.
  • It takes 30 days after purchase for a policy to take effect, so it's important to buy insurance before the floodwaters start to rise.

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