Flood Plain Management
Flooding is Kentucky's most costly natural disaster:
The National Flood Insurance Program (NFIP) was created by Congress in 1968, to protect lives and property and to reduce the financial burden of providing disaster assistance. The NFIP is administered by the Federal Emergency Managemnt Agency. Nationwide, over 20,000 communities participate in NFIP including most of Kentucky's flood prone communties.
The NFIP is a federal program enabling property owners in participating communities to purchase insurance as a protection against flood losses in exchange for state & community floodplain management regulations that reduce future flood damages. Participation in the NFIP is based on an agreement between communities & the federal governement. If a community adopts & enforces a floodplain management ordinance to reduce future flood risk to new construction in flood prone areas, the federal government will make flood insurance available within the community as financial protection against flood losses. The insurance is designed to provide an insurance alternative to disaster assistance & to reduce the escalating cost of repairing damage to buildings and their contents caused by floods.
The Union County Planning Director is the local flood plain manager & any new construction must be permitted in accordance with the flood damage prevention ordinance. Current Flood Plain Community Maps can be viewed at the office of the Planning Commission or can be viewed online at www.fema.gov.