When homes are destroyed or severely damaged, serious consideration should be given to moving out of the floodplain or elevating the building. Local officials may be able to advise you which option is best for you. In many cases where damage is not extreme, there are effective and relatively inexpensive steps you can take to protect against flood damage. You also may want to construct a flood barrier at vulnerable points on your property. Once you have identified your risk and taken the appropriate flood protection measures, you should protect your financial investment by purchasing flood insurance on your home and its contents.
Flood insurance is available to all homeowners in most communities in Kentucky.
Contact your insurance agent to purchase flood insurance. It is important to talk with your local building officials before you start any work. They can provide useful information on safe building methods. Consult with a licensed contractor, architect or structural engineer, if necessary, to evaluate your construction project. Have them prepare recommendations and construction documents to obtain a building permit for reconstruction or retrofitting.