![]() Home Building Considerations for Flood-Prone AreasĪfter considering structural elevation levels and flood zoning risk it is time to consider flood-safe building materials and design inclusions to ensure your home is built to stand the test of time. We recommend getting a land surveyor or civil engineer along with your home design consultant to work through the FEMA removal process on your behalf. However, you will require a formal document from FEMA to do so. You could also be eligible for the insurance premium to be waived to get the property removed from the flood floor plans if you can prove your property or home design is above the 100-year base flood elevation level. When building a new residential home in a flood-prone area, it is important to build above this base flood elevation line as this can reduce home flood insurance premiums and protect the home from damage. As mentioned above, this should be detailed for Special Flood Hazard Areas (SFHA) by the FEMA flood maps for areas expected to have the most impact from flooding. This refers to the height at which the floodwater would rise during a base flood (the flood with a 1% chance of occurring in any given year). The base flood elevation (BFE) level should be considered here. Elevated House Plans For Flood ZonesĪfter assessing the level of flooding risk and whether insurance is mandatory for your home build, it is important to consider how your home design will be impacted and the necessary features required to minimize property damage and mitigate against flooding. It is also important to consider the depth of flooding common within the area along with the overall risk of flooding, as this will impact the regulations and building materials required to construct your new home. To learn if your block of land is impacted by these flood hazard areas, head to the FEMA flood map service center to enter your address. Undetermined Flood Hazard Areas (UFHA) D Zone Moderate Flood Hazard Areas (MFHA) X Zone Temporarily increase flood risk due to building or flood control restorationġ% chance of flooding & protected by federal flood control systems High risk for flooding located near waterġ% chance of shallow flooding ranging from 1 feet to 3 feetġ% or more chance of shallow flooding located near a river or a stream The most hazardous area with a high-risk for flooding with a 25% risk of floodingĬoastal areas with 1% or more chance of flooding each year Special Flood Hazard Areas (SFHA) Flood Risk Type This is broken down into four main categories highlighted in the tables below. In the United States, governing bodies such as the Federal Emergency Management Agency (FEMA) have mapped out all the regions and defined them in alignment with the level of flood risk. The first step when building a flood zone house design is to research and fully understand the risks and requirements associated with the project. As home builders with decades of experience, in this article, our expert builders will detail some key considerations for building a home in flood-prone areas. Louis, Arizona, Phoenix and California.īut with the correct planning, paperwork and flood-proof home design, living in a flood-prone area doesn’t have to be doom and gloom. this year with flash flooding and rainfall flooding impacting regions such as Florida, Missouri, Illinois, Virginia, Las Vegas, St. This type of flooding has become a widespread issue within the U.S. Whilst riverine flooding refers to flash flooding or overbank flooding that occurs when a body of water overflows its banks or when flood defenses fail.įinally, pluvial flooding or surface flooding refers to flooding due to stormwater and rainfall flooding, along with areas experiencing tropical depression. ![]() Coastal flooding refers to flooding from tide or storm surges because of hurricanes, tropical storms or other extreme weather events. ![]() Common Causes of FloodingĪcross America, there are primarily three main causes of flooding: coastal flooding, riverine flooding, and pluvial flooding. But many homes in these high-risk areas and beyond are not insured and have not been built in a way that mitigates the residential building from flood damage. In the United States, it is estimated there are over 41 million people living in flood zones. ![]() Whether you’re looking to build your dream house on the coast, construct a home with picturesque lakeside views or have found an affordable plot of land in a low-elevation area, you may not have considered the added building regulations and insurance policies required for you to live out our American dream. ![]()
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