Home
Up
Services A to Z
Site Search
Site Index
Departments
 

 

Natural Disasters - Floods

Flooding:

Marion County is fortunate to be approximately 110 feet above sea level making large scale flooding unlikely. Flash flooding, however, is a real concern for much of the county. Many parts of county are in low-lying regions or near bodies of water. In these regions even a series of severe thunderstorms could send water in your front door.

 

 

 
   
    Are you in a Flood Zone ?

Before anything else, find out if you live in a flood zone. The easiest way is to visit the Marion County GIS website  (http://www.marioncountyfl.org/IS251/GISWEB/gis_home.htm), but for information that is more precise, you may call Marion County Board of County Commissioners Zoning Department at 352-620-7408.

If you do not live in a flood zone, it is highly unlikely that you will experience any flood damage. If you do live a flood zone, you need to take steps to protect yourself and your property from flooding.


 

bullet Elevate essential elements in your home. Raise your furnace,

water heater, and electrical panel if they are in areas of your home that may be flooded. You may also wish to consult a professional for other damage reduction measures you can take.
 

bullet Watch the weather situation.  If  you live in a low-lying area 

or near a creek, pay close attention to water levels during heavy rains.
 

bullet Watch  rising  waters.  Water  levels rise rapidly during  flash
 

floods, often surprising victims. Heavy rainfall can cause a river or stream to rise quickly, even if it is not raining near you. Be prepared to move to higher ground quickly, if water levels begin rising.
 

bullet Quickly  responding  to an  evacuation  order  can  save
  your life.
 
bullet Don’t camp  near a  flooded  stream.  Never set up a  tent or
 

camper on the bank of a river or stream. It is best to allow some distance between the campsite and weather so if a flash flood does occurs you will have more time to move to higher ground.

  


         

 

 

Preparedness:

 

bullet Plan ahead. Prepare a family disaster plan.
bullet

Purchase  insurance  coverage.  Before it  rains, check to see if

 

you have insurance that covers flooding. Keep insurance policies, documents, and other valuables in a fire proof/water proof box.
 

bullet
 
Assemble an emergency/disaster kit
 
bullet If a flood watch is issued, move your  furniture and valuables to
 

higher floors of your home. Fill you car’s gas tank in case an evacuation notice is issued.
 

bullet If a  flood  warning is issued, listen to  local  radio or  television
 

stations for information and advice. If told to evacuate, do so immediately and follow recommended routes. Shortcuts may be blocked.

 

Flood Insurance Assistance:

If you have questions about whether or not you need flood insurance FEMA suggests considering the following:
 

bullet Maintaining a  flood  insurance  policy  is  one  of  the  most
 

important things you can do to protect yourself and reduce the cost of flood disasters.
 

bullet Homeowner’s   insurance  policies  do  not  cover   damages
 

caused by floodwater. Only a flood insurance policy covers damage caused by floods.
 

bullet Most of the people whose homes are damaged or destroyed 
 

in floods caused by Hurricane Floyd had no flood insurance.
 

bullet Most forms of  federal disaster assistance, including  FEMA’s
 

Temporary Housing and Individual and Family Grant Programs, are only offered if the President declares a State of Emergency.
 

bullet The most typical form of federal disaster relief is a Small  Business  Administration loan
 

that must be paid back with interest. The average duration and loan payment is 18.5 years and $140/month.
 

bullet The average individual and family grant is less than $2,500.
   
bullet Buildings in flood hazard  areas have a 26% chance of being  flooded  during a 30-year
  mortgage, and 80% of all disasters declared by the President are floods.
 
bullet Homeowners, business owners, and renters can  purchase flood  insurance as long as
 

their community participates in the Nation Flood Insurance Program. Even if a disaster is not declared by the President, flood claims are paid.
 

bullet When you carry a flood  insurance policy and file a flood  insurance claim,  you usually
  get a partial payment immediately.
 
bullet Disaster aid is limited to replacing essential items only.
   
bullet Homeowners  can  get up to  $250,000 of  coverage and  businesses up to  $500,000.
  Contents coverage also is available.
 
bullet Renters can obtain up to $100,000 of coverage.
   
 
 
Copyright © 2004 Marion County, Florida
Any questions, comments or suggestions
about this site can be sent to the
Marion County Webmaster