CONNECT with the CityRepetitive Loss
What is repetitive loss?
Repetitive loss refers to properties that have experienced two or more flood-related insurance claims greater than $1,000 per claim within any rolling 10-year period since 1978. These properties are at a higher risk of future flooding and often require additional mitigation measures to reduce the impact of future flood events.
What is severe repetitive loss?
Severe repetitive loss properties are a subset of repetitive loss properties that have either:
- Four or more separate claims payments greater than $5,000 each (including building and contents payments), or
- Two or more separate flood insurance claims payments (building payments only), where the total of the payments is greater than the property's current value.
What does this mean for residents?
For residents, this means that their properties are more vulnerable to flooding and may face higher flood insurance premiums. It also indicates a need for proactive measures to mitigate flood risks, such as elevating structures, installing flood barriers, or relocating to less flood-prone areas.
Understanding these designations helps residents and communities prioritize flood mitigation efforts and take steps to protect their properties and reduce future losses.
How to tell if residents are in an area of repetitive flooding
The City will contact residents directly via postcard if they are in an area of repetitive flooding.
What to do if residents are in an area of repetitive flooding
Here are the four things that residents can do if they are in an area of repetitive flooding or if their property is on the repetitive loss list:
- Check flood history
- Prepare for flooding
- Implement permanent flood protection measures
- Get flood insurance