Vermont towns not in flood insurance program will get another chance

first_imgSanctioned Communities Legend:(F) Community’s FHBM was superseded by a FIRM.(S) Suspended from the NFIP for failure to adopt.Blank = Never Joined the NFIP. ### ADDISON                 ORWELL, TOWN OF           11/15/74                                  06/04/90(S)ADDISON                 WALTHAM, TOWN OF       02/07/75                                  06/18/90(S)ADDISON                 WHITING, TOWN OF          09/20/74                                  06/18/90(S)BENNINGTON         MANCHESTER, VIL.           10/13/74                                  06/04/90(S)BENNINGTON         PERU, TOWN OF                 01/10/75                                  01/10/76BENNINGTON         READSBORO, VIL.                         08/09/74                                  11/01/85(S)BENNINGTON         SANDGATE, TOWN OF      01/31/75                                  01/31/76BENNINGTON         SEARSBURG, TOWN OF    11/15/74                                  11/15/75CALEDONIA            KIRBY, TOWN OF               12/13/74                                  12/13/75CALEDONIA            NEWARK, TOWN OF          01/10/75                                  01/10/76CALEDONIA            SHEFFIELD, TOWN OF      02/07/75                                  11/01/85(S)CALEDONIA            SUTTON, TOWN OF            12/13/74                                  12/13/75CALEDONIA            WEST BURKE, VIL. OF      06/04/80(F)                             06/04/81(F)CALEDONIA            WHEELOCK, TOWN OF     11/15/74                                  11/15/75CHITTENDEN          ESSEX JCT., VIL.                 06/28/74                                  06/28/75CHITTENDEN          ST. GEORGE, TOWN OF     04/11/75                                  07/03/86(S)ESSEX                        EAST HAVEN, TOWN OF 12/13/74                                  11/01/85(S)ESSEX                        FERDINAND, TOWN OF    12/13/74                                  12/13/75ESSEX                        GRANBY, TOWN OF          12/13/74                                  12/13/75ESSEX                        LUNENBURG, TOWN OF 06/28/74                                  06/28/75ESSEX                        MAIDSTONE, TOWN OF    12/13/74                                  12/13/75ESSEX                        NORTON, TOWN OF           03/28/75                                  03/28/76ESSEX                        VICTORY, TOWN OF          12/13/74                                  12/13/75GRAND ISLE            ALBURG, VILLAGE OF     12/06/74                                  05/05/81(S)GRAND ISLE            ISLE LA MOTTE, TOWN    11/01/74                                  04/15/80(S)LAMOILLE               EDEN, TOWN OF                 12/06/74                                  12/06/75LAMOILLE               WATERVILLE, TOWN OF 12/20/74                                  12/20/75ORANGE                   NEWBURY, VILLAGE OF             11/26/76                                  11/26/77ORLEANS                 ALBANY, TOWN OF           01/10/75                                  01/31/86(S)ORLEANS                 BROWNINGTON, TOWN   12/13/74                                  12/13/75ORLEANS                 CHARLESTON, TOWN OF             08/09/74                                  08/09/75ORLEANS                 IRASBURG, TOWN OF       12/20/74                                  12/20/75ORLEANS                 MORGAN, TOWN OF          01/31/75                                  01/31/76ORLEANS                 WESTMORE, TOWN OF     01/03/75                                  01/03/76RUTLAND                 MT. TABOR, TOWN OF      01/10/75                                  01/10/76RUTLAND                 TINMOUTH, TOWN OF      12/06/74                                  12/06/75WINDHAM               ATHENS, TOWN OF            12/06/74                                  12/06/75WINDHAM               HALIFAX, TOWN OF          01/31/75                                  09/04/85(S)WINDHAM               SOMERSET, TOWN OF       11/22/74                                  11/22/75 Total : 39 FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards. Disaster recovery assistance is available without regard to race, color, religion, nationality, sex, age, disability, English proficiency or economic status.  If you or someone you know has been discriminated against, call FEMA toll-free at 800-621-FEMA (3362). For TTY call 800-462-7585; or call 800-621-3362 if using 711 or Video Relay Service (VRS). FEMA’s temporary housing assistance and grants for public transportation expenses, medical and dental expenses, and funeral and burial expenses do not require individuals to apply for an SBA loan. However, applicants who receive SBA loan applications must submit them to SBA loan officers to be eligible for assistance that covers personal property, vehicle repair or replacement, and moving and storage expenses. SBA disaster loan information and application forms may be obtained by calling the SBA’s Customer Service Center at 800-659-2955 (800-877-8339 for people with speech or hearing disabilities) Monday through Friday from 8 a.m. to 6 p.m. ET or by sending an e-mail to [email protected](link sends e-mail). Applications can also be downloaded from www.sba.gov(link is external) or completed on-line at https://disasterloan.sba.gov/ela/(link is external). County                        Community                             Hazard Area Identified          SanctionDatecenter_img Some Vermont municipalities that didn’t join or failed to comply with provisions of the National Flood Insurance Program ‘ potentially making their residents ineligible for some disaster assistance ‘ will be getting a second chance. Most of the towns are small, but the list includes Essex Junction and Manchester Village.Officials with the Federal Emergency Management Agency said that some 39 Vermont communities who are listed as ‘sanctioned’ will be given until March 1, 2012, to apply for entrance into the NFIP (SEE LIST BELOW).  If accepted, the owners of properties located in the floodplain that were damaged by Tropical Storm Irene would become eligible to apply for FEMA disaster assistance grants. ‘Sanctioned communities need only submit a ‘resolution of intent’ to apply for NFIP participation and residents of the community can register for FEMA assistance,’ said FEMA’s Federal Coordinating Officer, Craig Gilbert.The National Flood Insurance Program offers federally-backed flood insurance to property owners and renters in communities that participate in the program, as well as increased state disaster assistance and access to federal mitigation grants that can be used to help prevent future damage.In exchange, those municipalities agree to adopt and enforce floodplain management ordinances that set standards for building or repairing structures in the floodplain to reduce the risk of damage from flooding in the future.Cities or towns that do not join the NFIP after having flood-prone areas identified, or that fail to adopt and enforce floodplain management ordinances, are considered sanctioned. Buildings in those sanctioned communities that could have been insured by the NFIP are not eligible for FEMA grants to repair or rebuild them. Other penalties for sanctioned communities include: ·         Property owners, or renters, will not be able to purchase a NFIP flood insurance policy, and existing policies will not be renewed. ·         Federal grants or loans for development will not be available in identified flood hazard areas under programs administered by Federal agencies such as the Department of Housing and Urban Development, Environmental Protection Agency, and Small Business Administration. ·         Federal mortgage insurance or loan guarantees, such as those written by the Federal Housing Administration and the Department of Veteran Affairs, will not be provided in identified flood-hazard areas. ·        Rental Assistance will be provided in sanctioned communities, but only to those renters who do not reside in a flood-prone area. At this time, FEMA is not delaying processing Individual Assistance applications from residents of sanctioned communities.Nearly 21,000 communities participate in the NFIP nationwide. As of this year, some 231 Vermont towns and cities were participating in the program, which is administered by FEMA but whose policies are sold through private insurance agents throughout Vermont.More than 25 percent of claims paid are from areas at medium or low risk of flooding. In these areas, NFIP flood insurance can be purchased for as little as $129 a year for a building and its contents or $49 for contents only.Homes can be insured against flood damage for up to $250,000 and commercial buildings insured for up to $500,000. Policies can be written to include contents coverage up to $100,000 for homes and $500,000 for business owners’ contents. Renters can insure their personal property for up to $100,000.The average homeowner pays about $600 a year for flood insurance, which pays claims even if a disaster is not declared by the president. Less than half of the floods in the U.S. result in a federal disaster declaration.Since 1973, the NFIP has paid nearly $40 billion dollars in flood insurance claims, helping hundreds of thousands of families and businesses recover from flood events.Due to the 30-day waiting period, NFIP policies become effective 30 days after the premium is paid and remain in effect for a year.last_img read more