Floods

 Repetitive Loss

Flooded Street - Covington May 2016

Is your property located in or near a Special Flood Hazard Area (SFHA)? Many buildings in SFHA areas have flooded several times experiencing what is commonly referred to as Severe Repetitive Loss (SRL). St. Tammany Parish is subject to riverine flooding, ponding as a result of heavy rainfall, and flooding from tropical storm surge. The Parish is concerned about repetitive flooding, and has an active program to help you protect yourself and your structure from future flooding.

Here are some things you can do:

Learn the St. Tammany flood facts

Please click on the below listed LINK FOR PARISH projects in st. tammany Parish THAT MAY BE BENEFICIAL TO DRAINAGE IN YOUR AREA.

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How to Prepare for flooding:
  • - Know how to shut off the electricity and gas to your house when a flood comes.
  • - Make a list of emergency numbers and identify a safe place to go.
  • - Make a household inventory, especially of contents.
  • - Put insurance policies, valuable papers, medicine, etc. in a safe place.
  • - Collect and put cleaning supplies, camera, waterproof boots, etc. in a handy place.
  • - Develop a disaster response plan – View the Red Cross example “Your Family Disaster Plan.”
  • - Get a copy of “Repairing Your Flooded Home” available within the Development Department or under Grants Department/Residential Mitigation section of the Parish’s website: http://www.stpgov.org/index.php/mitigation.
Consider some permanent flood protection measures
the Grants Department can provide information on financial assistance (985-867-5095)
  • - The Grants Department can provide information on programs available that offer financial assistance in elevating a repetitive or substantially damaged building.
  • - Get a flood insurance policy – it will help pay for repairs after a flood and, in some cases, it will help pay the costs of elevating a substantially damaged building.
Flood Insurance
  • - Homeowner’s insurance policies DO NOT cover damage from floods. However, because St. Tammany Parish participates in the National Flood Insurance Program (NFIP), you can purchase a separate flood insurance policy. This flood insurance is backed by the Federal government and is available to everyone, even properties that have been flooded.
  • - Any area that is NOT mapped as a Special Flood Hazard Area (SFHA) may qualify for a lower-cost Preferred Risk Policy.
  • - The Parish participates in the NFIPs Community Rating System (CRS) and is at a Class 7. As of April 9, 2014, all locations within a SFHA will receive a flood insurance premium reduction of 15%.
  • - Some people have purchased flood insurance because it was required by the bank for a mortgage or home improvement loan. Usually these policies only cover the building’s structure and not the contents. Due to the flooding that happens in your area, there is usually more damage to the furniture and contents than there is to the structure. Be sure you have contents coverage.
  • - Do not wait for the next flood to buy flood insurance protection. In most cases, there is a 30-day waiting period before the NFIP coverage takes effect.
  • - Contact your insurance agent for more information on rates and coverage.

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