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Flooding directly affects thousands of Louisiana citizens living in and near flood hazard areas. For them, managing the risk means:
For many who have not experienced flooding, the first impacts of owning property in the SFHA have to do with development regulations.
In every community where federal flood insurance is available, the local governing body has adopted the FEMA flood study and map, also known as the Flood Insurance Rate Map (FIRM), as a basis for regulating new development so it will be:
In Louisiana, more than 280 parishes and local communities participate in the National Flood Insurance Program (NFIP). These communities are listed in a Community Status Book. This listing shows when each community entered the program and whether it is in good standing, on probation or suspended.
The community’s standing in the NFIP affects flood insurance availability and premiums for all community residents. The relationship between when a building was constructed and when the community entered the program affects the premium rates that apply to that particular building.
For the entire community, living with the risk means:
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