The mean local official says that my property has been substantially damaged, what does that mean?

This means that a flood has damaged your property, and the damage exceeds more than 50% of your property's assessed value. Your local assessor sets the assessed value and you pay taxes based on this value every year. The damage amount is based on local values of replacement. These are set values based on nationwide building valuations. Materials and labor are included even If you do the work yourself.

This also means that you cannot move back into your property until it is brought into compliance with our building codes and meets floodplain regulations. This could mean elevation, floodproofing, relocation, or demolition. If substantially damaged by flooding events, up to $30,000 may be available to assist you from a rider on your flood insurance policy. This rider does not apply to damage from other means (fire, wind, etc). Because flood insurance does not cover damage from fire, wind, etc.

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1. What does 100-year flood mean?
2. My home is in a floodplain. Am I at high risk for flooding?
3. If I read a Flood Insurance Rate Map (FIRM), what are the different flood hazard zone designations and what do they mean?
4. What are FEMA's requirements for being removed from the 1% annual chance flood hazard area?
5. I have lived here forever and have never been flooded. Why do I need flood insurance?
6. My family has lived in our house for many years, and we had a big flood that was called the 100-year flood. We weren't damaged. So, why do I need flood insurance?
7. My bank said I'm in the floodplain and I have to buy flood insurance. I don't believe it. What can I do?
8. Who can do determinations of floodplain maps?
9. How can I find my community number and/or panel number?
10. Who can prepare an elevation certificate?
11. What elevation is used when rating a structure for a flood insurance policy?
12. What do I need to know if my building is in the floodplain?
13. I bought a house near the river. I had no idea that it floods there: what do I do?
14. How can I be considered to be in a floodplain if I only get water when it floods?
15. Five years ago my neighbor did something I want to do now, why can't I do it?
16. The mean local official says that my property has been substantially damaged, what does that mean?
17. What happens if I move back into my house, even though it has been declared substantially damaged?