FEMA and Grants

Bobby Fisher and the Titan Foundations & Elevation Mitigation Team is one of the best at understanding  and explaining grants and the entire process to homeowners. We have worked with home owners around the country all of them for almost 10 years.

Flood Mitigation Assistance Grant Severe Repetitive Loss programs (FMA/SRL). These come out yearly and all states across the US compete for them. Titan Foundations & Elevation has completed approximately $10 million dollars of elevation projects within these grants.

FEMA LINK for more info - https://www.fema.gov/flood-mitigation-assistance-grant-program

City of Houston Link for more info - https://www.houstonemergency.org/disaster-recovery/2017-fma-home-elevation-grant-program/

Texas Development Water Board Link for more info  http://www.twdb.texas.gov/flood/grant/fma.asp

Hazard Mitigation Grant Program

Titan Foundations & Elevation has worked in this program in Louisiana a little in Texas, New Jersey South Carolina North Carolina and Missouri.

HMGP Expanded per FEMA

Hazard mitigation measures are any sustainable action taken to reduce or eliminate long-term risk to people and property from future disasters. The HMGP supports cost-effective post-disaster projects and is the longest running mitigation program among FEMA's three grant programs.

After there is a flood event or disaster Congress will put aside funds to deal with the rebuilding efforts post disaster this is usually between 10 and 18% of the overall storm damage amount this money is put aside and use later to rebuild and mitigate structures from future damage.

FEMA Hazard Mitigation Grant Program Links 

https://www.fema.gov/hazard-mitigation-grant-program

https://www.fema.gov/media-library-data/1441133724295-0933f57e7ad4618d89debd1ddc6562d3/FEMA_HMA_Grants_4pg_2015_508.pdf

State of Texas HGMP Office Link – This is handle by the Texas Department of Public Safety - https://www.dps.texas.gov/dem/GrantsResources/index.htm

Increased Cost of Compliance

Titan Foundations & Elevation - ICC which stands for increased cost of compliance is at this time a $30,000 writer on your NFIB insurance policy. To be able to gain access to this $30,000, your house must be 51% substantially damaged determine from your flood claim and your tax value of your home to the local agency. This can be a double-edged sword if you’re substantially damaged you may not be able to remodel until you elevate.

We know how to work with your insurance company to start this claim, fill out the paperwork correctly and can handle this for you.

Per FEMA’s Description

When a building covered by a Standard Flood Insurance Policy suffers a flood loss and is declared to be substantially or repetitively damaged, ICC will pay up to $30,000 to bring the building into compliance with State or community floodplain management laws or ordinances.

FEMA ICC Link

https://www.fema.gov/media-library-data/1424368115734-86cfbaeb456f7c1d57a05d3e8e08a4bd/FINAL_ICC_Coverage_FactSheet_29JAN15_508.pdf

Titan’s experience allows us to assist homeowner’s with all of these grants and has a staff that will assist you in applying for the grant. We also help with all the paperwork and put together the documentation you need to apply for the grant offered for no charge.

Texas Windstorm Insurance Association Zones

Titan Foundations & Elevation has performed 12 projects that required TWIA Certification in the Galveston County Area.

Per Texas Windstorm Insurance Association

The Texas Windstorm Insurance Association (TWIA) was established by the Texas Legislature in 1971  in response to regional market conditions following Hurricane Celia in August 1970. Our purpose is to provide windstorm and hail insurance in the Texas seacoast. TWIA is governed by Chapter 2210 of the Insurance Code (Chapter 2210).

Titan Foundations & Elevation is a residual insurer of last resort and are not a direct competitor in the voluntary insurance market. We provide coverage to residential and commercial properties in certain designated portions of the Texas seacoast territory. The designated catastrophe area is that portion of the seacoast territory where the Commissioner of Insurance has found that windstorm and hail insurance is not reasonably available.

Flood Ways

Titan Foundations & Elevation has worked in many Flood Ways across the United States. A simplified explanation of this is, you need to balance the dirt on the lot and can not add dirt that will displace water to another area, a neighbors house or downstream. So, if you raise your grade on one side of the house you got to offset it on the other side by digging a hole. FEMA’s explanation A "Regulatory Floodway" means the channel of a river or other watercourse and the adjacent land areas that must be reserved in order to discharge the base flood without cumulatively increasing the water surface elevation more than a designated height. Communities must regulate development in these floodways to ensure that there are no increases in upstream flood elevations. For streams and other watercourses where FEMA has provided Base Flood Elevations (BFEs), but no floodway has been designated, the community must review floodplain development on a case-by-case basis to ensure that increases in water surface elevations do not occur, or identify the need to adopt a floodway if adequate information is available.

FEMA Description on Flood Zone’s

Flood hazard areas on the Flood Insurance Rate Map are identified as a Special Flood Hazard Area (SFHA). SFHA are defined as the area that will be inundated by the flood event having a 1% chance of being equaled or exceeded in any given year. The 1% annual chance flood is also referred to as the base flood or 100-year flood. SFHAs are labeled as Zone A, Zone AO, Zone AH, Zones A1-A30, Zone AE, Zone A99, Zone AR, Zone AR/AE, Zone AR/AO, Zone AR/A1-A30, Zone AR/A, Zone V, Zone VE, and Zones V1-V30. Moderate flood hazard areas, labeled Zone B or Zone X are also shown on the FIRM, and are the areas between the limits of the base flood and the 0.2-percent-annual-chance (or 500-year) flood. The areas of minimal flood hazard, which are the areas outside the SFHA and higher than the elevation of the 0.2-percent-annual-chance flood, are labeled Zone C or Zone X.

FYI: The last advent in Houston has been rated as a 1000 year advent.

Base Flood Elevations (BFE)

The computed elevation to which floodwater is anticipated to rise during the base flood. Base Flood Elevations (BFEs) are shown on Flood Insurance Rate Maps (FIRMs) and on the flood profiles. The BFE is the regulatory requirement for the elevation or flood proofing of structures. The relationship between the BFE and a structure's elevation determines the flood insurance premium.

Freeboard

Per FEMA a Freeboard is a factor of safety usually expressed in feet above a flood level for purposes of floodplain management. "Freeboard" tends to compensate for the many unknown factors that could contribute to flood heights greater than the height calculated for a selected size flood and floodway conditions, such as wave action, bridge openings and the hydrological effect of urbanization of the watershed. Freeboard is not required by NFIP standards, but communities are encouraged to adopt at least a one-foot freeboard to account for the one-foot rise built into the concept of designating a floodway and the encroachment requirements where floodways have not been designated. Freeboard results in significantly lower flood insurance rates due to lower flood risk.