House flooded

[Complex Kid]

ive never heard of FEMA buying the land/home.

It is one of the options in the Severe Repetitive Loss Program:


• Acquisition or relocation of at-risk structures and conversion of the property to open space;
• Elevation of existing structures; or
• Dry floodproofing of historic properties

https://www.fema.gov/pdf/nfip/manual201205/content/20_srl.pdf

At this point I'm good with any of those.

 

[efil4stnias]

It is one of the options in the Severe Repetitive Loss Program:


• Acquisition or relocation of at-risk structures and conversion of the property to open space;
• Elevation of existing structures; or
• Dry floodproofing of historic properties

https://www.fema.gov/pdf/nfip/manual201205/content/20_srl.pdf

At this point I'm good with any of those.

yeah i meant in my 25 years in insurance, ive never heard of FEMA buying the property to become "open space" - they may do in very rural areas, but in metropolitan areas, it would cost them 3x the cost to elevate to give you FMV for your home. FEMA would be broke, flood insurance would be cost-prohibitive and we would be up schitts creek in S LA.

Baton Rouge got it again Tuesday as well. i have 2 clients in BR now doing tear outs. One is BACK in Lake Charles as well on a 6000 sq ft home they JUST FINISHED IN MARCH from 2020 Hurricane.

I dont remember a time when we have had this much precipitation to start the year.

 

[superchuck500]

It is one of the options in the Severe Repetitive Loss Program:


• Acquisition or relocation of at-risk structures and conversion of the property to open space;
• Elevation of existing structures; or
• Dry floodproofing of historic properties

https://www.fema.gov/pdf/nfip/manual201205/content/20_srl.pdf

At this point I'm good with any of those.

Look into it. I know of a few properties that went through that program.


Are the guitars and gear okay this time?

 

[zeetes]

yeah i meant in my 25 years in insurance, ive never heard of FEMA buying the property to become "open space" - they may do in very rural areas, but in metropolitan areas, it would cost them 3x the cost to elevate to give you FMV for your home. FEMA would be broke, flood insurance would be cost-prohibitive and we would be up schitts creek in S LA.

Baton Rouge got it again Tuesday as well. i have 2 clients in BR now doing tear outs. One is BACK in Lake Charles as well on a 6000 sq ft home they JUST FINISHED IN MARCH from 2020 Hurricane.

I dont remember a time when we have had this much precipitation to start the year.

from the 2016 livingston parush floods, i know two people who fema offered to purchase. both in the same neighborhood and probably the only people i've known of.

 

[jrdbrn]

yeah i meant in my 25 years in insurance, ive never heard of FEMA buying the property to become "open space" - they may do in very rural areas, but in metropolitan areas, it would cost them 3x the cost to elevate to give you FMV for your home. FEMA would be broke, flood insurance would be cost-prohibitive and we would be up schitts creek in S LA.

Baton Rouge got it again Tuesday as well. i have 2 clients in BR now doing tear outs. One is BACK in Lake Charles as well on a 6000 sq ft home they JUST FINISHED IN MARCH from 2020 Hurricane.

I dont remember a time when we have had this much precipitation to start the year.

Too much cloud seeding. Coming back to bite us. *foil hat off*

 

[GrandAdmiral]

yeah i meant in my 25 years in insurance, ive never heard of FEMA buying the property to become "open space" - they may do in very rural areas, but in metropolitan areas, it would cost them 3x the cost to elevate to give you FMV for your home. FEMA would be broke, flood insurance would be cost-prohibitive and we would be up schitts creek in S LA.

Baton Rouge got it again Tuesday as well. i have 2 clients in BR now doing tear outs. One is BACK in Lake Charles as well on a 6000 sq ft home they JUST FINISHED IN MARCH from 2020 Hurricane.

I dont remember a time when we have had this much precipitation to start the year.

13 inches and a bunch of rescues. They even found someone dead from drowning under a train trestle/overpass.

 

[efil4stnias]

from the 2016 livingston parush floods, i know two people who fema offered to purchase. both in the same neighborhood and probably the only people i've known of.

they must abut some tributary or branch to the Amite river or be reaaaally low lying.

 

[Complex Kid]

yeah i meant in my 25 years in insurance, ive never heard of FEMA buying the property to become "open space" - they may do in very rural areas, but in metropolitan areas, it would cost them 3x the cost to elevate to give you FMV for your home. FEMA would be broke, flood insurance would be cost-prohibitive and we would be up schitts creek in S LA.

Baton Rouge got it again Tuesday as well. i have 2 clients in BR now doing tear outs. One is BACK in Lake Charles as well on a 6000 sq ft home they JUST FINISHED IN MARCH from 2020 Hurricane.

I dont remember a time when we have had this much precipitation to start the year.

Gotcha. Yeah I would think they would be more inclined to lift it. It's a nice big house that would be perfect if not for the annual all natural indoor swimming pool...

Look into it. I know of a few properties that went through that program.


Are the guitars and gear okay this time?

We already submitted after the last flood. The state approved us and it's just waiting on FEMA to review and approve. We will be adding this claim to it which I'm sure will strengthen our case for getting the house lifted.

The guitars are still all spread out at my mom's and a friends house from the last flood so they are fine. I think some of the gear might be in a rubber maid container in the garage so I'll find out if that made it through when we clean out the garage this weekend and take pictures of stuff to see if it's been ruined.

 

[Tapxe]

ive never heard of FEMA buying the land/home.

They will place you in the Severe Repetitive loss program which then qualifies you for grants to raise your home. Up to 75% of cost. ( and if State kicks in, usually 15% - its 90% ) and the average rate around 2009-11 was close to $100,000...of which 90k was pad for thru state/federal funds.

That was an average cost- obviously different from home to home.

My parents were bought out. It might have been the city that ultimately did it. I know they worked with them and Homeland as it was a fed program.

They had to get 3 estimates and got 90% of the estimate. The land is slated to become a greenspace aka park with no facilities so a flood would not cause any substantial loss.

 

[jrdbrn]

My parents were bought out. It might have been the city that ultimately did it. I know they worked with them and Homeland as it was a fed program.

They had to get 3 estimates and got 90% of the estimate. The land is slated to become a greenspace aka park with no facilities so a flood would not cause any substantial loss.

This happened across the street from my parents. Interesting enough, they didn't bring in any dirt to raise the land, so it still pools water when it rains a lot... and the parish/state doesn't mow the grass.

 

[zeetes]

they must abut some tributary or branch to the Amite river or be reaaaally low lying.

oh hell yeah low lying. those houses took a few feet of water. and yep, right off amite.

 

[bigdaddysaints]

Gotcha. Yeah I would think they would be more inclined to lift it. It's a nice big house that would be perfect if not for the annual all natural indoor swimming pool...




We already submitted after the last flood. The state approved us and it's just waiting on FEMA to review and approve. We will be adding this claim to it which I'm sure will strengthen our case for getting the house lifted.

The guitars are still all spread out at my mom's and a friends house from the last flood so they are fine. I think some of the gear might be in a rubber maid container in the garage so I'll find out if that made it through when we clean out the garage this weekend and take pictures of stuff to see if it's been ruined.

My brother got a grant to lift his house in Livingston Parish. After 2 floods (the latest in 2016) and him having to use his flood insurance, FEMA basically told him he either had to raise his house or sell it to them, or they would not insure him anymore.
I think it cost like over $50k to lift his house, but he had to come up with 20% down. I can't remember if he got the 20% back or not. he was the only one on his street to do it. I don't think anyone else on that street could come up with that much.

 

[dtc]

This happened across the street from my parents. Interesting enough, they didn't bring in any dirt to raise the land, so it still pools water when it rains a lot... and the parish/state doesn't mow the grass.

Low lying areas catch water that would be pushed elsewhere if the lot was filled.

There are programs where local governments are given grants to remove flood prone structures from the either by buy outs or elevation. FEMA usually kicks in and there's matching money from god knows where. In some areas of Houston they bought out low lying houses and built retention systems. One of the houses had gone from 1950 to like 1998 and never flooded. From 1998 to 2008 it flooded 5 times.

 

[superchuck500]

Doesn't look like things are going to let up from all the rain been falling from Lafayette over to Houston.