Just because your house has not flooded in the recent past does not mean that you are safe. There is a five-day waiting period
before a flood insurance policy takes effect, so you should call your insurance agent now.
BUILDING COVERAGE REGULAR PROGRAM
Single family dwelling $185,000
Other residential $250,000
Non-residential $200,000
Small Business $250,000
CONTENTS COVERAGE
Residential $60,000
Non-residential $200,000
Small Business $300,000
Property Protection Measures
The 100-year floodplain is the area that will be flooded on the average of once every 100 years. It has a 1 % chance of being flooded
in any given year. Put another way, it has a 25% chance of being flooded over the life of a 30-year mortgage.
Citizens are urged to find out if their home is subject to flooding or located in a special flood hazard area. The PKS Building
Inspections Department has copies of the Flood Insurance Rate Maps, Map overlays, and digitized parcel records which identify
property subject to a 100-year frequency.
Some people have reduced flood losses by taking temporary measures such as moving furniture and equipment to upper floors
or higher elevations. Others have held back rising waters by sandbagging or building temporary levees.
More permanent approaches have also been used. Various techniques can be used to flood proof an existing structure. This
process is known as "retrofitting.’ Retrofitting can be incorporated into an existing house to reduce or eliminate the potential of future
flooding. The measures include:
•Elevation of a structure;
•relocation of a structure;
*use of levees and flood walls;
'sealing a structure;
*and protection of utilities
Residents are encouraged to inventory their property and review insurance policies and coverage to avoid misunderstandings later.
For more infomiation and publications on retrofitting and floodplain locations, contact Roy Brownlow at the PKS Town Hall, Building
Inspections Department, at 247-4353.
Floodplain Development Permits
PKS enforces land-use regulations such as zoning ordinances and subdivision regulations that require building and/or development
permits. Land designated as susceptible to flooding is regulated differently from other areas. People are advised to contact the PKS
Building Inspections Department before they build, fill, or otherwise develop. To report any illegal floodplain development contact
Roy Brownlow at the PKS Town Hall, phone 247-4353.
All properties located in “Zone A" or "Zone V" on the PKS Flood Hazard Boundary Map or Flood Insurance Rate Map are subject
to regulations. Before undertaking development in "Zone A" or "Zone V", a builder must secure a permit from the PKS Building
Inspections Department Development activities subject to these regulations are any man-made change to improved or unimproved
real estate, including but not limited to buildings or other structures, dredging, filling, grading, paving, excavation or drilling
operations. The Town may levy a fine and/or obtain a court order to have the ovmer correct the construction if built without a permit
or not built according to the approved plans.
Drainage System Maintenance
The canals, channels, and detention/retention basins can lose their carrying capacities as a result of dumping, debris, sedimentation
and growth of vegetation. When a drainage system loses its canying or storage capacity, overbank flooding occurs more frequently
and floods reach higher elevations. Dumping in the canals or waterways in PKS is a violation of regulations; it should be reported
to the PKS Building Inspections Department by calling 247-4353.