Ensure That You, Your Family And Property Are Protected.
Nobody ever really wants to stop and consider the possibility of bad weather, but anyone who is looking to buy a home should consider the impact of bad weather on a potential purchase. Realistically speaking, any place in the world that you choose to live is going to have some sort of weather condition that isn't necessarily favorable, and the local governments have invested considerable time and money over the past 20 years to lessen the risk of structural flooding our communities. However, all of the effort in the world will never fully eliminate such a risk, and that is why it is important to understand and make sure that you are proactive in flood preparation
That being said, potential and new homeowners in Savannah and the Lowcountry should make sure to consider the possibility of flooding. Since the region is a low-lying coastal region, various areas are susceptible to flooding during long periods of moderate rainfall or during high-volume, short duration rainfalls. If you plan on buying property that is waterfront, you'll want to make sure that you not only keep an eye on the weather and rainfall, but also tide levels.
One of the most important things that you can do, but is often overlooked by many homeowners is purchase flood insurance. In the course of a 30-year mortgage, there is a 26% chance that you might experience a 100-year flood. Since most policies have a 30-day waiting period before going into effect, you want to make sure that you plan ahead and purchase coverage accordingly. You also may want to consider scheduling a flood preparation site visit from the City or the County (depending on where your property is located); staff can help you with issues related to flooding and stormwater drainage, and can also address any flooding concerns specific to your home and property. You should check with the Chatham County Department of Engineering or City of Savannah Development Services to find out what flood zone you are in and what the Base Flood Elevation is for your lot.
What You Can Do
You can check out the resources available at your local library to determine if retrofitting your property would be beneficial. Retrofitting is altering a building to reduce or eliminate or reduce flood damage and includes several options such as elevation, flood barriers, dry flood proofing and wet floor proofing. You can also consult the FEMA guide for more information on retrofitting your home. Even if you decide not to retrofit your home, it's still a good idea to keep materials such as sandbags, plywood, lumber and plastic sheeting in case of a serious flooding threat; not only can these materials help minimize flood damage, they can also be useful in minimizing damage caused by hurricane-force winds.
An easy way to help prevent localized flooding in your neighborhood is to make sure that ditches, culverts, and storm drains are kept clear of yard waste, leaves, trash and other debris. It is illegal to dump trash, grass clippings, leaves or other materials including chemicals, oil, gasoline or household products into ditches or other drainage systems, so if you see illegal dumping, report it to the local public works department or local law enforcement agencies.
Make sure that you understand the flood warning system (you can get more information on this from the Chatham Emergency Management Agency), know how to turn off the utilities at your house, and know evacuation routes and emergency shelter locations. Move to higher ground if you can do so safely, but do not attempt to drive or walk through moving water or flooded areas. If you are caught at home and have no way to leave, avoid rising water by moving to the second floor or roof of your home — seek out higher ground, and take your disaster supply kit with you.
If you are instructed to evacuate due to a hurricane, and are able to do so, make sure that you return home only when authorities have indicated it is safe to do so. Check your home for structural damage. Check your heating and electrical systems, as well as appliances prior to using them again after a flood. Don't consume any food or water that was exposed to floodwater.
The Bottom Line
The trick is to be ready, but not afraid. Be prepared and not in denial that such a thing can happen. By making proper flood preparation and making sure that you and your family are protected, you are ensuring the safety of your loved ones and the durability of your property should flooding occur. If you want to learn more about waterfront property on the along the 100 Mile Coast, contact Cora Bett Thomas Realty & Associates.