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Rebuilding in Nassau Bay after Hurricane Ike Download the Microsoft Word Document by clicking here City of Nassau Bay Many homes in Nassau Bay were damaged from the effects of Hurricane Ike. Both flood damages and wind damages are involved in many instances. The following flow diagram, (download full document from link above) represents the process to be used by the City of Nassau Bay in determining whether “substantial damage” has occurred to the property. This process is governed by the Federal Emergency Management Agency (FEMA) and the National Flood Insurance Program (NFIP). The process of determining substantial damage is required as a condition of the City’s participation in the NFIP, and is outlined in the City’s Flood Damage Prevention Ordinance (Chapter 8.5 of the Code of Ordinances). The following logic tree will be used by the City in the determination of requirements for repairing/rebuilding. City of Nassau Bay For Item 1, itemized estimates of damages made by licensed contractors or other professional estimators are required to document the amount of damages to the house. These detailed estimates will typically be for flood damages and wind damages. In addition, NFIP insurance claims may be used for the substantial damage calculation, along with the windstorm insurance estimate. Both contractor estimates and insurance estimates must be of sufficient detail to allow the Building Official to make a definitive determination of substantial damage, bringing the structure back to its pre-flood condition. The total estimated damages are divided by the market value of the house to determine the damage percentage. The determination of the 50% threshold must be established before the Building Official can issue any permits for repair/reconstruction. If the owner believes the HCAD market value of the house is incorrect, a new appraisal may be obtained by the owner at his/her expense from a qualified appraiser. HCAD market values can be found at www.hcad.org. For Item 2, your flood zone can be determined by the City of Nassau Bay Building Official, or you can view the Flood Insurance Rate Map (FIRM) at http://maps2.tsarp.org/tsarp/ and fill in your address information in the appropriate location. For Item 3, the City may require an approved Elevation Certificate to confirm the elevation of the house. Alternately, review the paperwork that was provided at closing. You may have a survey of your property with the elevations, benchmark, and datum noted. Due to subsidence in the area, a datum adjustment may be required. If you do not have any survey elevation information, you may need to contact a Registered Professional Land Surveyor to prepare an Elevation Certificate. Per the City’s Flood Damage Prevention Ordinance, the finished floor elevation of the house must be at least 2 feet above the Base Flood Elevation (BFE). The BFE has been determined by the City to be 12 feet above mean sea level within most of the City. You should check with the Building Official to determine the exact BFE for your location. For Item 4, if your house is determined to be (1) substantially damaged and (2) it is in the floodplain, and (3) it is less than 2 feet above base flood elevation (BFE) there are 3 options: City of Nassau Bay Please note the following: Homeowners of a substantially damaged house may be eligible for an “Increased Cost of Compliance” (ICC) payment to help cover the cost of mitigation activities that will reduce the risk of future flood damage to a building: http://www.fema.gov/plan/prevent/floodplain/nfipkeywords/icc.shtm#0 The Standard Flood Insurance Policy has a provision that will pay the policy holder to comply with a State or local floodplain management law or ordinance affecting repair or reconstruction of a structure suffering flood damage. Mitigation activities eligible for payment are: elevation, relocation, or demolition (or any combination of these activities) of the structure. FEMA, NFIP, and SBA representatives are available to answer questions at our local Disaster Recovery Center at the old Freeman Library on Diana Lane. Residents may also make an appointment to review their individual case with the Building Official/Floodplain Administrator, Larry Boles by calling 281.336.6294/6295. City of Nassau Bay Many homes in Nassau Bay were damaged by the flood and wind effects of Hurricane Ike. The following information is being used by the City of Nassau Bay in determining whether “substantial damage” has occurred to the property. This process is governed by the Federal Emergency Management Agency (FEMA) and the National Flood Insurance Program (NFIP). The process of determining Substantial Damage is required as a condition of the City’s participation in the NFIP and is outlined in the City’s Flood Damage Prevention Ordinance (Chapter 8.5 of the Code of Ordinances). The following information will be used by the City in the determination of requirements for repairing/rebuilding: Homeowner(s): Repair Cost Market Value (Structure Only)
Percent Damaged = Total Repair Cost = $ = % If Percent Damaged is LESS THAN 50%, obtain Permit from the Building Department. If Percent Damaged is 50% OR MORE, house is deemed “Substantially Damaged.” If the structure is in the floodplain and is less than 2 feet above BFE, the homeowner has the following options in order to bring the Substantially Damaged Structure into compliance:
Current Codes 2006 International Residential Code
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