National Flood Insurance Program

I had a friend of mine, Ph, D. in Coastal Engineering, hired to decide that fact for many properties in Mississippi. Was it the flood from the Gulf or because the structure was damaged and it was rained into? A qualified person can make that call fairly easily. Typically it was the flood and not wind/rain and these properties were located in flood zone X so they had never purchased the optional insurance and lost everything. Needless to say, I don't trust the flood maps in many areas.

If you're religious you shouldn't trust any flood map. ;-)

Does anyone now someone who works for the National Flood insurance program? I have a question and would pay top $ for some advice. The help desk at NFIP can't help me.

Call Grant Blackwell at 850-699-8088 cell, or email gbcoastal@aol.com
he is our local FEMA/National Flood expert.

National flood

more specifically, will pay $10,000 for the information I need. Nothing confidential, nothing illegal. Just need some public information but you need to work for the nfip to get the data I need

Call Grant Blackwell at 850-699-8088, or email gbcoastal@aol.com

So basically every 100 years, the condo in a VE zone was given a 100% chance of being destroyed with a flood and wind.

Incorrect. 100 year flood risk means that in any given one year, there is a 1% chance of a 100 year flood. You could have two of them in a row - if there was one last year, the risk for this year does not change. You could go two hundred years without one, and likewise, the risk this year does not change.

Why just pick on condos? In Walton County, there are multi-million dollar single family homes in the VE Zone. We also have flood zones that have been filled to raise the elevation up above the flood plain, which hugely increases the risk to neighboring properties. What are you going to do about this?

Mind you, I am not defending any of this. I have seen some of the corruption first hand myself. But there is something a little off about your premise. I'll ponder it. :scratch:

Thank you

not dead yet:

You are absolutely correct, IF you trust that the engineering and flood analysis is accurate.
Any engineer can sign his name to a survey with a BFE (base flood elevation) analysis, submit it to FEMA and then the flood line will be changed to whatever that engineer says it is. Who do you think pays the Engineer? The developer. Is it possible that the Fox watching the hen house? not just possible, ITS PROBABLE. so you think its 1% chance, It might be a 5% chance. That means that the premium charged may be 5 times too low. Or it may be .001%, and the premium charged is too high. All depends on the accuracy of the flood plain analysis. All we really know is that we dont really know.

And if the above DID happen, that person who changed the BFE would be liable and spending a lot of time in court and/or jail.

I'm not saying it has never happened, but I am saying that most people would not be willing to take that risk, so I don't feel we need to revamp the entire system based on that scenario.