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Overview of City of Waveland Flood Information |
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As a coastal community, the City of Waveland is
prone to flooding. These pages are designed to share information and resources that you
can use to prepare for and recover from a flood. Important Flood Information Your Flood Safety Information Brochure National Flood
Insurance Program (NFIP)
Information on Storm Surge
http://www.homeownersinsurance.org EMERGENCY PREPAREDNESS INFORMATION FEMA
(Federal Emergency Management) To Do Lists
National Flood Insurance Program (NFIP)The City Of Waveland participates in the National Flood Insurance Program (NFIP). The NFIP makes federally backed flood insurance available for all buildings, whether they are in a floodplain or not. Flood insurance covers direct losses caused by surface flooding, including the Gulf of Mexico flowing over its banks, a lake or ocean storm and local drainage problems. The City of Waveland joined the CRS in October of 1993 and is a Class 5community. We have a preferred risk status of C. The NFIP insures buildings, including mobile homes, with two types of coverage: structural and contents. Structural coverage is for the walls, floors, insulation, furnace and other items permanently attached to the structure. Contents coverage may be purchased separately provided the contents are in an insurable building. Mandatory Purchase Requirement The mandatory requirement applies to all forms of federal or federally related financial assistance for buildings located in a Special flood Hazard Area (SFHA). This requirement affects loans and grants for the purchase, construction, repair, or improvement of any publicly or privately owned building in the SFHA, including machinery, equipment, fixtures, and furnishings contained in such buildings. Financial assistance programs affected include loans and grants from agencies such as the Department of Veterans Affairs, Farmers Home Administration, Federal Housing Administration, Small Business Administration, and Federal Emergency Management Agency. The requirement also applies to secured mortgage loans from financial institutions, such as commercial lenders, savings and loan association, savings banks, and credit unions that are regulated, supervised by Federal agencies such as the Federal Deposit Insurance Corporation and the Office of Thrift Supervision. It also applies to all mortgage loans purchased by Fannie Mae or Freddie Mac in the secondary mortgage market Before a person can receive a loan or other financial assistance from one of the affected agencies or lenders, there must be a check to see if the building is in a Special Flood Hazard Area (SFHA). The SFHA is base (100 – year) floodplain mapped on a Flood Insurance Rate Map (FIRM). It is shown as one or more zones that begin with the letter “A “ or “V.”Copies of the FIRM are available for review at The City of Waveland Building and code Enforcement Department 301 Coleman Avenue Waveland, Mississippi Many lenders and insurance agents also have copies. It is the agency or lender’s responsibility to check the FIRM to determine if the building is in an SFHA, although the City of Waveland provides assistance. If the building is in a SFHA, the agency or lender is required by law to require the recipient to purchase a flood insurance policy on the building. The requirement is for structural coverage equal to the amount of the loan (or other financial assistance ) Or the maximum amount available, whichever is less. The maximum amount available for a single-family house is $250.000. The mandatory purchase requirement does not affect loans or financial assistance for items that are not covered by a flood insurance policy, such as vehicles, business expenses, landscaping, and vacant lots. It does not affect loans for buildings that are not in the SFHA, even though a portion of the lot may be flood prone. While not mandated by law, a lender may require a flood insurance policy as a condition of a loan for a property in any zone on a Flood Insurance Rate Map. |
NEWCoastal Studies, Information and Data for the Ecosystem New DFIRM's MS Coastal Mapping Project NEW Interactive Katrina Impact Assessment Maps
Click here to view your property on FEMA Flood Insurance Rate Map (FIRM)
Click here to find out if your property is in a flood zone
BEWARE ! Beware of non-licensed builders or remodelers. Protect yourself and your property! State Licensing is available through the State Board of Contractors. you may obtain a State License or see if your contractor is licensed by the State, as well as, see if any complaints have been logged against him/her, by contacting the State Board at (601) 354-6161 or 1-800-880-6161. the State Board has a seacrhable web site located at |
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A repetitive loss property is one for which two or more claims of at least $1,000.00 have been paid by the NFIP for flood loss since 1978. The City of Waveland provides public information to assist residents with flood protection. The Code Enforcement Department of the City of Waveland offers the following services in the incorporated areas of the city:
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TURN AROUND DON'T DROWN Turn Around Don't Drown is a National campaign through the National Weather Service Each year, more deaths occur due to flooding than from any other thunderstorm related hazard. why? the main reason is people underestimate the force and power of water. many of the deaths occur in automobiles as they are swept downstream. of these drownings, many are preventable, but too many people continue to drive around the barriers that warn you that the road is flooded. whether you are driving or walking, if you come to a flooded road, turn around don't drown you will the depth of the water nor will you know the condition of the road under the water. For more information on Turn Around Don't Drown Click Here www.srh.noaa.gov/tadd/
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Information determining if a property is flood prone,
including flood elevation or depths; and data on
the history of flooding where available.
As an owner of a repetitive loss property you will also receive information and brochures as they are made available to us to further assist you on flood proofing your property. For any help with the above mentioned services or information, contact the Waveland Code Enforcement Department Monday through Friday, 8:00 A.M. to 4:30 P.M. at 466-2549. Christine Gallagher, Deputy Zoning Official, and Michael Horne, Building Inspector, will be available to assist you and provide the requested information.
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Site visits to advise property owners on appropriate flood protection
measures.