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1. Am I in a Special Flood Hazard Area?

For the purposes of the City of Valdez, a Special Flood Hazard Area is equivalent to a Zone A on our Federal Insurance Rate Maps (FIRMs) The City of Valdez will assist citizens in looking up where the property is in relationship to a mapped floodplain. Office hours are 8:30-12:00 and 1:00 – 5:00 pm at City Hall in the Community Development Department. Residents of the City may email Kate Huber (khuber@valdezak.gov) at any time with their property address to determine whether or not the property is in a Flood Hazard area. Residents can also visit the FEMA Map Service Center (https://msc.fema.gov/portal/home) and type their physical address into a FEMA mapping system, which will pull up the correct panel of the FIRM for where the property is located (but a resident will have to find their approximate location on the map themselves). There are also professional mapping organizations that will examine the FIRM maps and declare a property in and out of the floodplain (these companies are often used by banks when financing mortgages and transferring property).

2. Why do I need Flood Insurance?

Standard homeowner’s insurance policies do not cover flood damages. Flooding can damage windows and roofing as well as the foundations, electrical systems and furnishings of a home. Fixing flood damage can cost thousands of dollars. According to FEMA records, since 1978 over a quarter of all flood claims have come from homeowners in areas with low or moderate flood risks. According to statistics gathered by the National Flood Insurance Program (NFIP), within a 30 year mortgage, a homeowner has a 9 percent chance of making a claim for fire damage, compared with a 26 percent chance of making a flood damage claim. And Remember - the NFIP imposes a 30-day waiting period following the purchase of flood insurance. This ensures that a policy is purchased and maintained throughout the year. Residents cannot purchase it in the wake of an impending flood or because they have heard very heavy rains are on their way. It has to be in place 30 days before a flooding event begins.

3. What kind of Information can I get from the City?

The City can assist you in determining whether or not your residence is in a mapped floodplain. The City can provide official letters or forms that homeowners can bring to their lending institutions or insurance companies designated the flood zone location. The City maintains information books and pamphlets in the hallway of City Hall by the Community Development office, which are free for residents to take 24 hours a day. The City also provides free technical advice for reducing the flood hazard to personal or commercial property. When requested, staff can review flood damage, review development in the floodplain, and provide information about how to retrofit drainage and other residential issues. City personnel have been trained by FEMA on flood-proofing techniques and are available to provide site-specific data concerning floor elevations and historical flood levels. For these and more services, please contact the City’s Community Development Department (834-3401).

4. What can I do to reduce my risk of flood damages?

The first thing to do is know where your property stands in relationship to a recognized flooding hazard. Flooding usually occurs from rivers and streams over topping their banks, when sheetflow forms across relatively impermeable surfaces during heavy rains, or when storm surges coupled with high tides bring more water than usual to the coastline. Keep in mind though, flooding can actually occur anywhere, even when you are far away from any of the usual flooding sources. There are all kinds of ways people who live in areas of low flooding risk can find water sneaking into their basements and the first floor of their homes - blocked culverts, dam breaches, levee breaches can all occur quickly and wreak large scale havoc on homes. After identifying the most likely source of flood hazard (but keeping in mind that floods can come from anywhere), purchase flood insurance for your home and valuables. Work on citizen preparedness – make a plan with your family that includes where to meet if cell phones aren’t working. Build an emergency kit and store it somewhere safe in your house. Make copies of all your very important documents and store them in a safe deposit box or somewhere offsite so you will not lose your valuable information. When building new structures – make sure the structures are elevated above the base flood elevation (if possible, make sure structures are elevated multiple feet above the base flood elevation for good measure). Keep all utilities and electrical boxes above the base flood elevation and safe from flooding. Keep a few sandbags on hand. In a mild flooding situation, one or two sandbags can divert a current away from the foundation of your home and absorb access water in the area.