Last Updated: 2011/7/15
Local Flood Hazard
The greatest food threats in Rye come from hurricanes, seasonal storms, and seasonal high tides. Homeowners insurance will not cover losses due to flood events for properties within the 100-year floodplain. Currently we have 254 properties insured within the floodplain in Rye. The risk of substantial property loss is very real for structures located within the floodplain.
First Things First
The first thing you should do is check your flood hazard. There is a flood map located at Rye Town Hall, 10 Central Road.
How can you protect yourself and your family?
Why should i get flood insurance?
Some people have purchased flood insurance because the lender requires it as part of their mortgage or home improvement loan. Usually, these policies just cover the building’s structure and not the contents. During a major hurricane, there is usually more damage to the furniture and contents than there is to the structure. Therefore, if you are covered, check out the amount and make sure you have contents coverage.
Local regulation considerations
The Town requires elevation certificates to verify that any new construction or substantial improvement of any residential structure shall have the lowest floor at least one foot above the base flood elevation.
How can i protect my property?
Measures to protect a property from flood damage include retrofitting, grading a yard, correcting local drainage problems, and such emergency measures as moving furniture or placing sandbags around the structure. While recent construction practices and regulations have made new homes less prone to flooding, many existing structures remain susceptible. Retrofitting means modifying a building that is subject to flooding to prevent or minimize flooding of a habitable space. Some ways to retrofit a structure include:
Elevate the structure above flood levels
Construction of barriers like floodwalls or berms
Dry floodproofing, which means installing water tight floor and wall systems
Wet floodproofing, which means constructing the flood prone areas so as to permit the entry and passage of flood waters and removing or relocating items of value to higher elevation levels
Elevate heating and hot water systems, washers and dryers on a platform above the flood lever
Relocate electrical panels and utilities above the flood level
If you know a flood is coming, it is always advisable to take the following emergency actions:
Sandbagging to reduce erosion and scouring
Elevate furniture above flood levels
Shut off the gas and electricity
Seal off sewer lines to the dwelling to prevent the backflow of sewer waters
Be prepared: flood warning systems
Flood warnings are forecasts of impending storms and are broadcast to the public via local radio, tv, newspaper, and through local emergency agencies. These warnings are intended to help people prepare, protect and lessen their exposure to damages from flooding by establishing time frames and levels of flooding expected. For emergency instructions, monitor storm reports on the radio, television, and local newspapers.
How can you help?
Helping with some flooding problems depends on your cooperation and assistance. Here is how you can help:
Do not dump or throw anything into drainage ditches or streams. Even grass clippings can accumulate and plug channels. A plugged channel cannot carry water and could lead to potential drainage problems during rainstorms.
If your property is next to a ditch or stream, please do your part and keep the banks clear of brush and debris.
It is very important to contact the Town of Rye Building Official’s office if you are planning and home improvements in flood hazard areas. For additions or new construction, elevation certificates will be required in and around flood zone areas to prove that the finish floor was constructed to the proper elevation.