When it comes to home remodeling in New Orleans, there are certain special considerations for homes located near wetlands. The National Flood Insurance Program (NFIP) requires that any structure located in the Special Flood Hazard Area (SFHA) with a cost of proposed improvements or repairs equal to or greater than 50% of the structure's value must comply with current flood damage prevention regulations. If the structure already meets these regulations, the building can be repaired and rebuilt without having to comply with the 50% rule. This can be confirmed by an elevation certificate.
If the structure does not comply with flood regulations and the proposed work exceeds the 50% rule, the building must be raised to Freeboard or above it. All electrical and mechanical equipment must also be above the flood level. Non-residential buildings in flood zones beginning with “A” can be “flood-proofed” instead of being elevated, but this is not allowed in zones V. The cost of improvements or repairs must be fair and reasonable, and pre-storm prices and rates will be used for damage repair.
If the proposed project is too close to the 50% threshold to determine if it is considered a substantial improvement, a detailed and complete cost estimate must be obtained from a contractor and submitted to the authorities. The contractor must sign an affidavit stating that the cost estimate submitted includes all damage or improvements to its structure, not just the structural one. The value assigned to materials must be equal to the actual or estimated cost of all materials used. If materials or equipment are donated or discounted below normal market values, their value must be adjusted accordingly.
Elevation information is vital for new construction and some remodeling and renovation projects. When renovating a home, it is important to do the remodeling that generates the most dust and debris first, such as kitchen remodeling, so that it does not fall into new painting or finishing jobs. Homeowners should also talk to their home inspector before beginning any work. When relocating a community, Louisiana officials led an extensive planning process that included community meetings, an open day in the “host community” where the “New Isle settlement” was to be built, and design workshops during which residents described their preferences for their new homes and neighborhood.
