Flood Insurance Information – Bethany Beach, DE

Flood Insurance ProgramMany areas in the Town of Bethany Beach are low lying and/or are located in Special Hazard Flood areas and are prone to flooding during storms and heavy rains.  Most areas lying north or Garfield Parkway (Route 26) and east of Route 1 are in a coastal AE zone. Properties fronting on the ocean may be in a coastal V zone.  If you are in a flood plain, you should know about services available to you and how to protect yourself and your property from flooding.

FLOOD SERVICES

The Town of Bethany Beach offers the following services:

  1. Flood Maps and information have been provided to the South Coastal Library and are available for review.
  2. The Building Department, located on the first floor of Town Hall also has current Flood Insurance Rate Maps (FIRM) and can assist with determining a site’s FIRM zone and the base flood elevation or depth.  The Building Inspector can be reached at 302-539-8780.
  3.  Handouts from FEMA concerning questions about the National Flood Insurance Program are available from the Building Department.
  4. Completed elevation certificates for buildings constructed in the floodplain since 1992 are on file in the Building Department.

  1. The Town of Bethany Beach uses the CodeRED Emergency Notification System which includes the feature CodeRED Weather Warning.  The CodeRED Weather Warning will automatically call citizens when severe weather (tornado, flash flood, and severe thunderstorm) warnings are issued by the National Weather Service for your address.  The CodeRED Weather Warning System calls only when warnings are issued and only if your address is in the path of the storm.  Bethany Beach residents can also sign up for CodeRED Weather Warning while signing up for CodeRED. Citizens can sign up on the Town’s web site.
  2. If requested, the Building Inspector and/or the Director of the Public Works Department will visit a property to review its flood problems and explain ways to prevent flood damage.  The Building Inspector can be reached at 302-539-8780.  Public Works can be reached at 302-539-1339.

FLOOD INSURANCE

The Town of Bethany Beach participates in the National Flood Insurance Program (NFIP) and flood insurance is available at a reduced rate to all homeowners in the Bethany Beach area.  The Federal Emergency Management Agency (FEMA) has approved a 10 percent rate reduction on the cost of flood insurance for all properties in the town.  The Town of Bethany Beach received the NFIP rate reduction for implementing measures aimed at reducing property damage caused by flooding and increasing public awareness of flood risk.

Bethany Beach received a Class 8 rating on the NFIP’s Community Rating System. The Community Rating System is a voluntary incentive program that recognizes community floodplain management activities that exceed minimum program requirements.  Contact the Town Building Department for additional information.

FLOODPLAIN DEVELOPEMENT / PERMITS REQUIRED

In order to prevent flood damage, all development in the floodplain is required to meet current National Flood Insurance Program (NFIP) standards for flood proofing and all new work is required to first obtain a building permit from the Town.  Those properties located ocean front may also be required to submit plans and an application to the Department of Natural Resources and Environmental Controls (DNREC) for review and approval.  Building permit applications can be found on the Town’s website.

SUBSTANTIAL IMPROVEMENT/DAMAGE REQUIREMENTS

Existing buildings with proposed “substantial improvements” or repair of “substantial damage” are also required to be brought into compliance with NFIP requirements for new construction.

Substantial improvement is defined as any reconstruction, rehabilitation, addition or other improvement of a structure, the cost of which, when added to the cost of all previous construction, reconstruction, rehabilitation, addition or other improvement which has occurred within the ten-year period immediately preceding the building permit application for the proposed construction, equals or exceeds a cumulative total of 50% of the reasonably estimated market value of the structure ten years earlier.

Substantial damage is defined as damage of any origin sustained by a structure at any time over the immediate previous ten-year period whereby the cumulative cost of restoring the structure to its before damage condition over the ten-year period would equal or exceed 50% of the fmarket value of the structure before the damage occurred.

FOR YOUR REFERENCE

NFIP insurance information –www.floodsmart.gov

You are able to search for an insurance agent , learn about risk and see what flood damage really costs

FEMA – www.fema.gov

Delaware Department of Natural Resources and Environmental Control – www.dnrec.delaware.gov

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