What happens if I move back into my house, even though it has been declared substantially damaged?

Again this is an actual question we get. So there are procedures in place to deal with this. First, Rock Island County will file a notice of violation on the deed to your property, which may prevent you from selling the property and all future owners will know of the violation.

Then we will notify your insurance company of the violation, which will lead to your insurance premiums to possibly increase to $25 per $100 of assessed value per year. So a $100,000 house would pay flood insurance of $25,000 a year, because you wanted to move back into your house. Or the insurance company could decide to drop your flood insurance and then you would be expected to pay off your mortgage in 30 days.

And finally, this is a violation of the Zoning Ordinance, which has potential fines of $500 per day.

Show All Answers

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?