FEMA- October Plan

This month we are focused on Disaster Recovery. Not only is it important to plan for a disaster but it is also important to plan for what steps to take after a disaster. Take a look below for some helpful tips.

Disaster Recovery
Disaster Damage
Disaster Recovery
Disaster Recovery

Insurance Information:

  • Renter's Flood Insurance: 
    • It is important for even Renters to get flood insurance!
  • Loss of Use Rider: 
    • Loss of use coverage covers any additional living expenses, meaning any necessary expense that exceeds what you normally spend.
  • FEMA 50% rule:
    • The NFIP requires communities to adopt policy prohibiting the substantial improvement of pre-FIRM homes, that is, homes that are not built above the base flood elevation.
    • A project is a substantial improvement if the improvement project exceeds the 50%  market value of the building.
    • FEMA calculates the value of the property by separating the land from the structure.
    • For instance, if the structure is valued at $100,000 then the “not to exceed” amount would be $50,000.
    • The project would be considered a  substantial improvement project if it exceeds 50 percent of the value of the structure.
    • Search by address, name or parcel ID.  Click on the Parcel Info link to open page. Upper right hand corner:  click on FEMA/WLM link to get the “not to exceed” (50%) amount.
*Under disaster conditions and the following recovery operations, access to Madeira Beach will be restricted to persons with identification showing they are a resident or property owner. Emergency access permits are available to Madeira Beach Residents and Business Owners, sign up here.

*Receive alerts about emergencies and other important community news by signing up for Alert Pinellas

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