Repetitive Loss

What is a Repetitive Loss Property?
Properties that have had two or more claims of more than $1,000 paid by the National Flood Insurance Program (NFIP) within any 10-year period since 1978. Although some of these properties have had mitigation measures applied to them, most remain at risk of flooding.

 

You received notice that your building is a Repetitive Loss Property, what do you do now?

  • Does the structure that experienced the repetitive flood claims still exist?
  • Was the structure destroyed by the Hurricane Ivan or Dennis?
  • Has the structure been demolished?
  • Has the structure has been elevated?

If yes, please call our office at 595-1144 or email Tim Day so that we can update our records.

For all of the remaining structures, mitigation of the property is encouraged. There are various Hazard Mitigation Assistance (HMA) Grant Programs each year that you might want to consider.

 

Hazard Mitigation Assistance (HMA) Eligible Projects

Mitigation Project PDM FMA RFC SRL
1. Property Acquisition and Demolition or Relocation Project        
Property Acquisition and Demolition or Relocation X X X X
2. Construction Type Projects        
Property Elevation X X X X
Mitigation Reconstruction 1       X
Localized Minor Flood Reduction Projects X X X X
Dry Floodproofing of Residential Property 2   X   X
Dry Floodproofing of Non-residential Structures   X X  
Stormwater Management X X    
Infrastructure Protection Measures X      
Vegetative Management/Soil Stabilization X      
Retrofitting Existing Buildings and Facilities (Wind/Earthquake) X      
Safe room construction X      

1. The SRL Program allows Mitigation Reconstruction projects located OUTSIDE the regulatory floodway or Zone V as identified on the effective Flood Insurance Rate Map (FIRM), or the mapped limit of the 1.5-foot breaking wave zone. Mitigation Reconstruction is only permitted if traditional elevation cannot be implemented.

2. The residential structure must meet the definition of “Historic Structure” in 44 CFR § 59.1.1.

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