FEMA Mitigation Best Practices: Ruidoso Resident Thankful for Flood Insurance   [open pdf - 43KB]

"The Federal Emergency Management Agency (FEMA) Best Practices Portfolio consists of mitigation stories submitted by individuals and communities that describe measures they have taken to reduce the loss of life and property from disasters. These Best Practices are meant to provide ideas and concepts about reducing losses and to encourage others to evaluate their own risk and consider mitigation as a long-term solution to reducing that risk." [...] "Judy Wilkie, a resident of Ruidoso, New Mexico designed her home to withstand flooding. Her house was elevated one foot above the Village of Ruidoso's requirement and two feet above the Base Flood Elevation (BFE) noted on the FEMA flood maps. Wilkie protected herself against flooding by not only elevating her house but also purchasing flood insurance from the Federal Emergency Management Agency (FEMA) National Flood Insurance Program through her local insurance agent. The annual premium for the flood insurance was about $300 for $250,000 of coverage and included a discount for elevating her home above the initial required elevation. In July 2008, Wilkie's initiative paid off when her home was moderately affected by flooding from the Rio Ruidoso. Flooding did not substantially impact her home because it sat well above the floodplain." This and other individual FEMA Best Practices documents are also combined in "Mitigation Best Practices: Public and Private Sector Best Practice Stories for All Activity/Project Types in All States and Territories Relating to All Hazards [August 10, 2011]," which can be accessed at the following link: [https://www.hsdl.org/?abstract&did=683132]

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