CITY NEWS
Responding to Flood & Drainage Issues
PEARLAND’S FLOODPLAINS If you'd like to learn more about the flood risk at your property by reviewing flood maps, stop by the Pearland Branch of Bra - zoria County Library or visit the Engineering and Public Works Department at 2016 Old Alvin Rd. Everyone who wants to look at the flood maps will be helped. The floodplain map was pre - pared by the Federal Emergency Management Agency (FEMA). However, these are not the only areas that may flood. Some of our flood-prone areas are not shown on the flood map because flooding in these areas is typically due to local storm drainage problems. During heavy rainstorms, drainage problems may cause flooded roads, local ponding and/or overflowing ditch - es. Our worst and most frequent flooding occurs along Clear Creek, but other waterways also rise out of their banks and can flood homes.
in the past doesn‘t mean you will be safe the next time the water rises. Don‘t make a big mistake and think that disaster assistance or federal loans will be your best solution. If your home or business is damaged, you may be required to get a permit to make repairs. If repairs cost more than 50 percent of the market value of your building, FEMA regula - tions require you to bring the building “into compliance“ with the current floodplain regulations. This could mean elevating the building on a higher foundation or taking other measures to satisfy the rules. If you experience major flood damage and are covered by flood insurance, in addition to the regular insurance payment, you may be eligible for up to $30,000 more through Increased Cost of Compliance (ICC) coverage. This money pays for property protection and compliance. Remember to save all documents, such as receipts and photos, associated with flood damage repair, as these will be helpful for your flood damage claim and flood mitigation in - surance. Call the City for a damage estimate, and remember to apply for a permit in order to qualify for this money. Learn more at pearlandtx.gov/floodplain .
FLOOD INSURANCE PROTECTS YOU FINANCIALLY
If your home or business is in the floodplain or in an area where stormwater collects, flood insurance is recommend - ed. Flood damage is not covered by your standard property insurance policy or your renter’s policy. Some mortgages require you to buy flood insurance, but you can buy a policy even if your lender doesn‘t require it. Most insurance agents can sell you a policy. This important financial protection can pay for cleanup costs and to repair damage to your building. Be sure to ask about coverage to help replace your personal belongings or building contents. Note: There is a 30-day waiting period before coverage takes effect — so don‘t wait until the next storm is in the forecast to decide to protect your family. Just because you haven’t had flood damage
6 / Pearland in Motion / Winter/Spring 2024
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