![]() Elevation CertificatesĪn Elevation Certificate will likely be needed by your insurance agent to purchase flood insurance from the NFIP. If you need additional help, please contact the Oregon NFIP Coordinator, Deanna Wright. You can also contact your local planning office to inquire about floodplains, FIRMs, and how they relate to your property. If you need help reading the FIRM, check out FEMA'sįlood Insurance Rate Map Tutorial (Requires Adobe Flash Player). You can also download the map to your computer or use FEMA's online interactive web map. If a FIRM is available for your address, you can then click "View/Print" the Map Image to see the map for your area. Go to FEMA'sĮnter your property's address into the search bar and click Search. ![]() These are the same maps that insurance agents use to determine your flood risk and insurance rates. If you are unsure about whether your property is within a Special Flood Hazard Area, you can look at the Flood Insurance Rate Map (FIRM) for your area. People with federally backed mortgages are required to maintain flood insurance. People who live and work in Special Flood Hazard Areas play a crucial role in protecting floodplain functions and ensuring speedy recovery after a flood. Floodplain management involves regulatory, construction, and public education measures designed to avoid and minimize negative effects of development in Special Flood Hazard Areas. ![]() Floodplain management aims to reduce flood losses to life and property while simultaneously protecting the natural functions of floodplains. Oregonians will continue to use floodplains for a variety of purposes. When these features are lost, habitat and species diversity suffer. Additionally, vegetation that grows in the floodplain influences how water flows across the land and can play a major role in controlling erosion and sediment deposition. The variety of habitat types, the presence of water, and other factors result in a rich diversity of plant and animal species. Important functions of the floodplain might include: flood water storage, water quality maintenance, fish and wildlife habitat, and recreation/open space.įloodplains provide important habitat areas including river channels, riparian buffers, and wetlands. Under the NFIP, areas that have a 1% chance in any given year of being covered by flood waters are mapped as a Special Flood Hazard Areas, requiring floodplain management according to NFIP standards.įloodplains perform functions valuable to both humans and wildlife. ![]() **Coverage does not increase the Coverage A or Coverage B limits.The floodplain is the area susceptible to inundation by flood waters. *(a) Artwork, photographs, collectibles, or memorabilia, including but not limited to, porcelain or other figurines, and sports cards (b) Rare books or autographed items (c) Jewelry, watches, precious and semiprecious stones, or articles of gold, silver, or platinum (d) Furs or any article containing fur which represents its principal value or (e) Personal property used in any business Payment will be for the shortest time required to repair or replace the damage or permanently settle your household elsewhere.ġ5 Days (no waiting period for home closings or homes with continuous flood coverage) $30,000 Subject to $250,000 maximum for both Coverages A and D. $250,000 or the Coverage A Flood limit (whichever is less)**Ĭoverage D – Increased Cost of Compliance Limit $100,000 or 10% of Coverage A (whichever is less) for detached garages and/or other structures (reduces the Coverage A limit)Īctual Cash Value (Replacement Cost is available) Maximum total insured value (TIV) $1.25 millionġ0% of Coverage A for detached garages (reduces the Coverage A limit)
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