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The Greensboro Police Department is searching for Joseph Dean Long
August 1, 2015 8:02 PM -- The N.C. Center for Missing Persons has issued a Silver Alert for a missing endangered man, Joseph Dean Long.

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The Lexington Police Department is searching for George James Orgeron
July 30, 2015 10:33 PM -- The N.C. Center for Missing Persons has issued a Silver Alert for a missing endangered man, George James Orgeron.

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The Cumberland County Sheriff Office is searching for Howell Quatajia Louann
July 30, 2015 12:37 PM -- The N.C. Center for Missing Persons has issued a Silver Alert for a missing endangered woman, Howell Quatajia Louann.

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The Winston Salem Police Department is searching for Irene Patricia Williams
July 28, 2015 8:00 PM -- The N.C. Center for Missing Persons has issued a Silver Alert for a missing endangered woman, Irene Patricia Williams.

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The Polk County Sheriff's Office is searching for BRUCE EDWARD KISER
July 26, 2015 3:39 AM -- The N.C. Center for Missing Persons has issued a Silver Alert for a missing endangered man, BRUCE EDWARD KISER.

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The Durham Police Department is searching for Samuel Cole Middleton
July 25, 2015 6:17 PM -- The N.C. Center for Missing Persons has issued a Silver Alert for a missing endangered man, Samuel Cole Middleton.

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The Durham Police Department is searching for Tony Ray Gunter
July 10, 2015 11:08 AM -- The N.C. Center for Missing Persons has issued a Silver Alert for a missing endangered man, Tony Ray Gunter.

What is the National Flood Insurance Program?

The National Flood Insurance Program was created by congress in 1968 to reduce the loss of life and property, and the rising disaster relief costs caused by flooding. The program was designed to achieve these goals by: 1) requiring that new and future substantially improved buildings be constructed to resist flood damages; 2) guiding future development away from flood hazard areas; and 3) transferring the costs of flood losses from the American taxpayers to floodplain property owners through flood insurance premiums. In recent decades, over 80 percent of disaster losses nationwide have been caused by floods. 

The NFIP is a voluntary program based on a mutual agreement between the federal government and the local community. Federally-backed flood insurance coverage is available to any property owner in return for mitigation of flood risks by community regulation of floodplain development. Flood insurance, and most types of federal financial assistance, such as mortgage loans and grants, are only available in those communities that adopt and enforce a floodplain management ordinance that meets or exceeds the minimum NFIP standards. These same standards must also be adhered to by all federal agencies under a Presidential Floodplain Management Executive Order. 

The NFIP's land-use regulations are intended to prevent the loss of life and property, as well as economic and social hardships, resulting from flooding. There is clear evidence that these goals have been achieved in areas where buildings and other developments are in compliance with the community's floodplain management ordinance. 

Flood insurance premiums for new buildings are based on flood risk, which is determined by the elevation of the lowest floor of the structure relative to the elevation of the national base flood standard. The base flood, sometimes referred to as the "100-year" flood, has a one percent chance of occurring in any given year. FEMA has mapped over 100 million acres of flood hazard areas nationwide and has designated some six million acres of floodways along 40,000 miles of streams and rivers. Floodways are areas that must be preserved in order to allow the discharge of the base flood, and communities are required to prohibit any development within a floodway that would cause an increase in flood heights. Floodways are often the most hazardous areas within a community and generally coincide with environmentally sensitive areas. 

Since 1986, and even with the flood loss claims from recent devastating hurricanes and nor'easters, the NFIP has maintained its goal of being financially self-sufficient.

« this page last modified 05/07/07 »