CITY NEWS
Responding to Flood & Drainage Issues
PEARLAND’S FLOODPLAINS You can learn more about the flood risk at your property by reviewing flood maps. Stop by the West Pearland Branch of Brazoria County Library at 11801 Shadow Creek Parkway or visit the Engineering and Public Works Department at 2016 Old Alvin Road where everyone who wants to look at the flood maps will be helped. The floodplain map was prepared by the Federal Emergency Management Agency (FEMA). However, additional flood-prone areas are not shown on the flood map because they are due to local storm drainage problems. During heavy rainstorms, drainage problems may cause flooded roads, local ponding and overflowing ditches. 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 disas- ter 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 elevat - ing the building on a higher foundation or 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 the Increased Cost of Compliance (ICC) cov- erage. This money pays for property protection and com- pliance. Remember to save all documents such as receipts and photos associated with flood damage repair which will be helpful for your flood damage claim and flood mitigation insurance. Call the City for a damage estimate and remem- ber to apply for a permit 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 recom - mended. 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 con- tents. Note: There is a 30-day waiting period before cov- erage takes effect—don‘t wait for the next storm to protect your family. Just because you haven’t had flood damage
6 / Pearland in Motion / Winter/Spring 2023
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