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“People buying houses in a floodplain must buy the insurance to be able to get a federally backed mortgage, but it isn’t cheap. Being in a flood zone also limits the improvements residents can make to their own houses.” But if you do not have a mortgage on the property, or pay all cash for the property, or have a private money loan for the purchase, flood insurance is not required. Also the “50% Rule” on making improvements to a property in a flood zone is a regulation of the National Flood Insurance Program (NFIP) that prohibits improvements to a structure exceeding 50% of its market value unless the entire structure is brought into full compliance with current flood regulations. Again, if you own the property outright this rule also does not apply.
Brent – Can you clarify where it is legally stated that if someone owns the property outright, the 50% rule does not apply? In y experience, the flood review department at Indianapolis Housing and Neighborhood Development enforces this 50% rule whether the property is fully owned or not. Thanks
Craig M, the NFIP is administered by FEMA but flood insurance is typically only a requirement of secured mortgages. It appears that FEMA now requires local jurisdictions to enforce the 50% rule as a condition to make flood insurance available to property owners in that jurisdiction regardless of an individual’s ownership status. Some 22,000 townships, villages, towns, and cities have agreed to FEMA requirement which in effect holds all property owners hostage. But I cannot find any legislative language that supports FEMA’s blanket “tit-for-tat” requirement.
INDOT recently completed a bride but did not complete a comprehensive or apparently, a de minimis analysis of stormwater impacts die to flow restrictions for a known floodplain.
Did INDOT complete a neighborhood impact analysis per any type of environmental review requirement. Or must one assume the INDOT proceeded per the lowest common denominator approach wherein the justification is based on not making the [periodic flooding] situation any worse that typically experienced.
Yet, INDOT and city reviewers as well allowed the bridge replacement to proceed knowing the potential long-term impacts to trsidents and properties. Might this have occurred adjacent to a more economically affuent neighborhood?
Now the much needed fix will be more costly for everyone due to a non-coordinated, fractured and short-sighted planning, design, and approval process.
The bridge was built by INDOT when this segment of Kentucky Avenue was State Road 67 and there was less development in the area. In the 1990s, then Mayor Goldsmith short sightedly accepted all of the state roads inside of 465 as local roads without any additional funding to maintain or improve them.