Facts About Flood Insurance


National Flood Insurance Program

Top Ten Facts… YOU need to know about the National Flood Insurance Program (NFIP)

1. Everyone lives in a flood zone.
– You don’t need to live near water to be flooded.
– Floods are caused by storms, melting snow, hurricanes, and water backup due to inadequate or overloaded drainage systems, dam or levee failure, etc.

2. Flood damage is not covered by homeowners policies.
– You can protect your home, business, and belongings with flood insurance from the National Flood Insurance Program.
– You can insure your home with flood insurance for up to $250,000 for the building and $100,000 for its contents.

3. You can buy flood insurance no matter what your flood risk is.
– It doesn’t matter whether your flood risk is high or low. You can buy flood insurance as long as your community participates in the National Flood Insurance Program.
– And, it’s a good idea to buy even in low-risk areas: between 20 and 25 percent of all flood insurance claims come from low-risk areas.

4. The low-cost Preferred Risk Policy is ideal for homes and businesses in low- to moderate-risk areas.
– Homeowners can insure buildings and contents for as little as $112 per year.
– Business owners can insure building and contents for as little as $500 per year.
– Residential renters can insure contents for as little as $39 per year.

5. Flood insurance is affordable.
– The average flood insurance policy costs a little more than $400 a year for about $100,000 of coverage.
– In comparison, a $50,000 disaster home loan can cost you about $240 a month at 4 percent interest over 20 years.

6. Flood insurance is easy to get.
– You can buy NFIP flood insurance from private insurance companies and agents; call yours today!
– You may be able to purchase flood insurance with a credit card.

7. Contents coverage is separate, so renters can insure their belongings too.
– Up to $100,000 contents coverage is available for homeowners and renters.
– Whether you rent or own your home or business, make sure to ask your insurance agent about contents coverage. It is not automatically included with the building coverage (except under the Preferred Risk Policy).

8. Up to a total of $1 million of flood insurance coverage is available for non-residential buildings and contents.
– Up to $500,000 of coverage is available for non-residential buildings.
– Up to $500,000 of coverage is available for the contents of non-residential buildings.

9. There is usually a 30-day waiting period before the coverage goes into effect.
– Plan ahead so you’re not caught without flood insurance when a flood threatens your home or business.

10. Federal disaster assistance is not the answer.
– Federal disaster assistance is only available if the President declares a disaster.
– Flood insurance pays even if a disaster is not declared. It’s just good sense.

For more information about the NFIP and flood insurance visit:

FEMA

Heavy rains in Calico Rock, Arkansas caused widespread flooding. Unfortunately, the powerful flood waters also raised this house from its foundation.

Nuns Rescued During The 1937 Flood


ST. ANN’S CONVENT

(Located on Portland Avenue)

Several nuns had stayed behind in the convent and were rescued by a boat which made a dangerous journey up Bank Street.

The nuns were able to get into the boat and they headed back toward downtown Louisville. Turning into 19th street the boat struck a light post and broke in two.

The Sisters and oarsmen went into the water that was 10 feet deep. They were saved by other men who were there at the time. They were taken to the convent of the Good Shepherd (8th and Madison).

They later were moved to St. Joseph Infirmary.

Not one Sister became ill from the icy waters.

 

Floods of Louisville Kentucky


FEBRUARY 1832- 41 FEET CREST
FEBRUARY 1884- 46.7 FEET CREST
JANUARY 1937- 57.1 FEET CREST

1937 FLOOD
  • CAUSED BY EXCESSIVE RAINFALL
  • JANUARY RECEIVED 19.17 INCHES OF RAINFALL
  • BETWEEN JANUARY 20 AND 24- 10.31 INCHES FELL
  • SOME PEOPLE EVACUATED AS EARLY AS JANUARY 15
  • MOST SERIOUS TROUBLE BEGAN THURSDAY JANUARY 21
  • FRIDAY JANUARY 22 CITIZENS WERE TOLD TO GO HOME AND STAY THERE
  • SUNDAY JANUARY 24 WATER HAD REACHED DOWNTOWN- 4th AND BROADWAY
  • WEDNESDAY JANUARY 27- BETWEEN 2 AND 3A.M. THE FLOOD WATER CREST AT 57.1 FEET
  • 70% OF THE CITY WAS AFFECTED — 93 SQUARE MILES OF JEFFERSON COUNTY
  • 33,000 HOMES HAD A LEAST THEIR FIRST FLOOR COVERED
  • 175,000 PEOPLE WERE EVACUATED FROM THEIR HOMES
  • 220,000 PEOPLE INOCCUATED FOR TYPHOID
  • $50,000,000 IN DAMAGE IN LOUISVILLE ALONE
  • RED CROSS WAS FEEDING MORE THAN 230,000 CITIZENS
90 DEATHS
  • 6 DROWNINGS
  • 2 ASHYXIATIONS
  • 10 EXPOSURE
  • 1 DYSENTERY
  • 15 BURNS AND EXPLOSIONS
  • 28 PNEUMONIA
  • 28 HEART DISEASE
WHAS
  • 187 CONTINUOUS HOURS
  • PETE BROWNING AND FOSTER BROOKS

THE COURIER-JOURNAL

  • PUBLISHED IN SHELBYVILLE ON JANUARY 25 & 26
  • PRINTED IN LEXINGTON FROM JANUARY 27 UNTIL FEBRUARY 5

SERVICES

  • NO CITY WATER SINCE JANUARY 23
  • NO ELECTRICITY SINCE JANUARY 24
  • NO GAS SINCE JANUARY 26

FEBRUARY 7- RIVER RETURNED TO NORMAL AND CITY SERVICES RESUMED


The Great Flood of 1937


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Rising waters, soaring spirits
An excellent account of the 1937 flood

For generations of Louisvillians, the 1937 flood was much more than a historical event. It was a watershed. And hundreds, maybe thousands, grew up on the stories of good humor, courage and endurance that marked the months of January and February 1937.

Rick Bell, who is overseeing the restoration of the Marine Hospital in Portland, has pulled all of these emotions, as well as many, many facts together, quite remarkably, in his new book, The Great Flood of 1937. For those who care about our city, and its history, this is an indispensable book.

(It is also the third significant contribution to local history in recent months by Butler Books of Louisville, which published Louisville Then and Now and Brandeis at 150 in 2006.)

In a comprehensive, yet breezy text, with an outstanding collection of photographs, Bell recreates the weeks of seemingly endless sacrifice. Remember, the flood came at one of the lowest points of the Great Depression. Louisville and other cities already were suffering; the rains of January 1937 only made matters much worse.

Those who lived through the flood, those whose families survived to tell the stories and those for whom it was merely a historical event will welcome The Great Flood of 1937.

(From the Courier-Journal)


1937 Flood Stories


Catherine Warer, interviewed by neighbor Georgia M. Denk- 2400 Block of Slevin Avenue

On Sunday, the police came to the house and made us leave. They took us to the tobacco factory at 24th and Main Street. People with dogs had to go to the fifth floor.

There was no heat, no place to wash up, and no way to flush the toilets. The smell got really bad. We slept on the floor and there were people everywhere. We had brought blankets, so we did have something to lie on and cover up with.

They brought food in skiffs, prepackaged, and coffee in washtubs. Sometimes Father Arnold from St. Cecelia’s would come to visit, and Father Hermes from St. Anthony’s (Church) took in people.

Sanitary conditions at the factory got so bad they started moving people out to the country in cattle cars, I think.

Mama was worried they’d ship us out, so Friday we left and came home the back way.

Mrs. F.L. (Theresa Cissell) Spalding, Rudd Avenue, Age 11

The firemen came knocking on our door in the middle of the night telling us we had to get out right away. My father worked for the W.T. Adams Broom Co. He borrowed a truck from them the next day and managed to get most of our possessions out of the house and took them to a house on Maple Street. Before we could get to this house the water starting coming up there and eventually got to the ceiling. We lost everything except for the clothes on our backs.

They took my mother to the old St. Mary & Elizabeth Hospital at 11th and Hill Streets, where she gave birth to my youngest brother on January 26, 1937.

St Cecilia

St Cecilia is located at 25th and Slevin Streets. During the 1937 flood the basement and the parish hall had about 2 1/2 feet of water standing in it. they were able to take in and care for 300 refugees. They gave Typhoid shots and medical care to many.

Jim Fulks Sr.

Jim Fulks Sr. decided to stay at this house at 1111 S. 28th Street. This remained above the flood crest. A neighbor, whose first name was Bob, was salvaging things from the water that flowed down the street, pulling out tanks of chemicals and oil drums. One day he showed Fulks his salvaged treasures, all the while looking at the dirty water for more.

Suddenly the neighbor stopped talking, Fulks turned and the two men stared into the water.

There among the boards and car tops was something that terrified them. Fulks remembered “the nude body of a woman floating face down in the slow-moving flood.”

They ran to the neighbor’s skiff and pushed it into the water. “I took the oars and started rowing toward the corpse while Bob reached out from the bow, seeking to get a handful of the woman’s hair. When he finally succeeded I quickly turned the skiff toward the shore and rowed with all my might.”

His heart was pounding, he felt weak and nauseated, and his arms numb from rowing. the boat nudged the ground and Fulks jumped out, grabbed the woman’s feet and pulled her ashore. Suddenly Bob was at his side. They turned the corpse over and looked into the staring eyes.

They two men looked at each other and began to laugh. “Our corpse,” said Fulks “was mannequin from the window of the nearby clothing store.”

Fontaine Ferry Amusement Park

Fifty people marooned in the Fontaine Ferry Park dance hall spent the flood playing the piano music while the kids scampered around the dance floor. A house brought from far upriver had come to rest against the roller coaster.

St. Ann’s Convent

The convent was located on Portland Avenue. It was used to house the Sisters of the Charity of Nazareth who taught in the Portland area. most had already left going to St. Joseph Infirmary or to the Motherhouse but eight nuns remained until forced to evacuate.

A boat made a dangerous journey up Bank Street rescued them. After the nuns were on the boat they continued down Bank Street and turning into 19th Street where the boat struck a light post and in half. Sisters and oarmens both went into the ice-cold water which was up to 10 feet deep.

They were rescued shortly and taken to the Convent of the Good Shepherd at 8th and Madison.

Not one of the Sisters became ill from the icy waters.

Kroger Store

The flood was over! As manager of the Kroger Store at 34th and Broadway, (which) had been covered with water, Jim Fulks was shocked to see that every shelf in the store had been overturned, and thousands of cans were in a jumble on the floor without a label on a single one. He had received instructions to load all the cans on trucks so they could be sent to a store in Jeffersonville. Ind.

When he arrived there he was told to sort all the label-missing cans by six. They would be offered to the customers at three for 25 cents and three for 10 cents. He suggested to his manager that he could open a can and if they found a real bargain they could buy them for themselves.

When he opened up one of the cans he asked his manager if he liked corned beef hash. He told him to put 48 cans aside for him and his family.

Six months later he was stocking shelves at another store when he saw the code on the can he had in his hand. It was the same as what was on the corned beef hash cans he gave to his manager. You can imagine how he felt when he realized he was holding a can of Dog Food.

(Research from the Courier Journal and other sources)

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What to read more about the flood- this is a great book.

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