n .
^thnre.Lwp
Who's on
theWaU?
See page 13
A Shoreline Community, Pine Knoll Shores, N.C.
Vol. 10, No.3
September 2013
• i •i ■ 7?’»i
..I.3
■■
Richard Seale takes a turn at the huge lobster cooker at last year’s Lobster Fest.
Lobster Fest
By Phyllis Makuck
R Church in Indian
Beach, 920 Salter Path Road, on Saturday, October 19, from 12 to 4 p.m. As in past years, it will be a
great excuse for a dinner party with family and friends either at home or at the church.
Live lobsters are hand selected and delivered to the church directly from Maine. On-site cooks
prepare them to go and for meals served at the church. A complete lobster dinner, including potato
salad, coleslaw and homemade dessert, is $24. Add a cooked lobster to an eat-in dinner or take cooked
lobsters home for $19 each. If you are feeling more adventuresome, you can get live lobsters for $16 each
and cook them at home. As those who have had St. Francis’ lobsters in past years will tell you, they are
large-at least 11/2 lbs. each-and exceptionally good. .ineyare
^e best way to ensure you wiU get one is to purchase tickets in advance by October 11 You may get
tickets from a parishioner or by phone-240-2388 (church office) or 354-5859 (Linda Davies). Also this
year, those who bought tickets in the past wiU receive order forms in the mail.
Special delivery is available upon request for orders of ten or more. If you are picking up take-out
orders, it is best to arrive before 3 p.m.
1‘610
The Pine Knoll Shores Radio Station broadcasts 24 hours a day
with weather and emergency info. ■
EMERGENCYCALL 911
ECC 726-1311 . PUBLIC SAFETY 247-2474
Flood Insurance Rate
Reform Is Coming
Byjohn Brodman
According to the Federal
Emergency Management
Agency (FEMA), floods
are the number one natu
ral disaster in the United
States. In the past, since
most homeowners’ insur
ance policies did not cover
floods, property owners
who experienced a flood
often found themselves financially devastated and unable
to rebuild. Congress created the National Flood Insur
ance Program (NFIP) in 1968 to fill that gap. As part of the
bargain, communities in flood-prone areas were to adopt
special flood hazard area maps and tougher standards for
new construction and development that were designed to
limit the damage from future floods. Already-existing homes
and businesses, however, were allowed to remain as they
were, and many of these older (pre-flood map) properties
became eligible to obtain flood insurance at lower, subsidized
rates that usually did not reflect the properties’ true flood
risks. In addition, as the initial NFIP flood-risk profiles for
many communities were updated and revised over the years,
often with new flood maps, many homes and businesses that
had been built in compliance with the standards in existence
at the time of their construction were allowed to keep their
lower NFIP flood insurance premiums, even in areas where
the risk of flood was revised upward. This "grandfathering”
approach within the NFIP prevented premium rate increases
for existing properties even when the flood risk in those areas
increased.
About 5.6 million U.S. households, businesses and com
munities have NFIP flood insurance policies that provide
flood insurance protection for about $1.25 trflhon worth of
property. In recent years, the NFIP has been plagued by a
(Continued on page 3)
Standard
Pre-Sort
Permit #35
h, NC 28512