Is My Home in a Flood Zone? Identifying Affected Areas in NEPA

Understanding Flood Zones

Flood zones are geographical areas that are prone to flooding. These zones are determined based on historical data, topography, and climate patterns. The Federal Emergency Management Agency (FEMA) designates these areas on Flood Insurance Rate Maps (FIRMs), categorizing them from low to high risk.

We've faced several significant floods over the years. The Hurricane Agnes flood of 1972 is particularly memorable, having caused widespread damage and reshaping the landscape of our communities. And more recently the flood of 2011, when the Susquehanna River rose to a record 42.66 feet and has left its mark throughout the area. While it may have been calmer, but the memories of these events remind us of the importance of being prepared.

Is My Home in a Flood Zone? Identifying Affected Areas in NEPA

Knowing your property's flood risk is the first step. FEMA (Federal Emergency Management Agency) provides flood maps that delineate flood-prone areas. These maps are crucial for understanding your property's risk and determining insurance requirements. Here are some areas in NEPA that are currently zoned as flood zones shown in map; parts of Wilkes-Barre, West Pittston, Kingston, Exeter and Forty Fort for examples.  In these risk areas, homeowners and business owners face higher insurance premiums and the potential of more property damage which affects the desirability of these properties, making them harder to sell. Note, these maps are subject to change as conditions evolve, so staying informed is paramount. Local municipalities can also provide specific information regarding flood risks and regulations within their jurisdictions.

Mitigation and Adaptation: Building a More Resilient NEPA

Here in Luzerne County, our communities have undertaken various initiatives to lessen the impact of future flood events. These efforts include upgrading and expanding stormwater management systems to handle increased rainfall, reinforcing existing levees and other flood defenses, and promoting flood-resilient building practices that can withstand the force of rising waters. But mitigation isn't just the responsibility of our local governments. Homeowners, you play a crucial role in protecting your properties as well. Simple yet effective steps like the ones listed below can significantly reduce the risk of damage. It's a combined effort, a community-wide commitment to building a more resilient NEPA, one that can weather the storms to come.

Proactive Measures: Protecting Your Property

Here are some specific actions homeowners can take to minimize flood damage, with a focus on flash flood preparedness:

• Sump Pump and Backup: Install a reliable sump pump and ensure it has a battery backup in case of power outages.  
   
• Check Valves: Install check valves to prevent floodwater from backing up into drains.
• Waterproofing: Seal basement walls with waterproofing compounds.
• Gutters and Downspouts: Keep gutters and downspouts clear of debris to ensure proper drainage. Extend downspouts away from the foundation to direct water away from the house.  
   
• Anchor Fuel Tanks: Secure any fuel tanks to prevent them from being dislodged during a flood.
• Elevate Utilities: Elevate your furnace, water heater, washer, dryer, and electrical panel if you live in a high-risk area. ¹  
   

   
• Landscaping for Drainage: Grade the land around your house to slope away from the foundation. Consider installing French drains or other drainage systems to redirect water.
• Rain Barrels and Rain Gardens: Be stormwater smart. Use rain barrels to collect rainwater and reduce runoff. Create rain gardens to help absorb excess water and prevent it from overwhelming drainage systems.  
   
• Erosion Control: If your property is on a slope, take steps to prevent erosion, which can worsen flash flooding. This might include planting ground cover or installing retaining walls.  
   

  Living in a flood zone, particularly one with the added risk of flash floods, requires awareness, preparation, and a proactive approach. By understanding the risks, taking necessary precautions, and working with local experts, you can protect your property and your peace of mind.

The Inevitable Question: Insurability and Flood Insurance

One of the biggest concerns for homeowners in flood zones is insurance. Standard homeowner's insurance typically does not cover flood damage. You'll likely need a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private insurer. The cost of flood insurance will vary depending on your property's location, elevation, and other factors. Be prepared to answer questions about past flood events on the property, even minor ones. Transparency is key. If you're thinking of selling a home that could potentially be in a flood zone, don't try to hide that information. Buyers are very savvy; they do their research, and it would only backfire resulting in your sale being derailed. Instead, be upfront by providing potential buyers with all the relevant information, including flood insurance details, and any mitigation measures you've taken, will help build trust and ensure a smoother transaction.