As a coastal community, the City of Pascagoula is prone to flooding. These pages are designed to share information and resources that you can use to prepare and recover from a storm or flood.
Repetitive Loss Properties
National Flood Insurance Program (NFIP)
Mandatory Purchase Requirement
Citizens Guide To Flood Protection Measures
Red Cross Flood Safety Checklist
City of Pascagoula Flood Protection Information 2010
The City Of Pascagoula has Elevation Certificates on file for many of the properties in our city. Copies may be obtained from the Code Enforcement office located at 4015 14th St. Our office is open Monday – Friday from 8:00am to 5:00 pm and closed from 11:30 to 12:30 for lunch. Feel free to call us with any questions you may have. Our phone number is 228-938-6620.
The City Of Pascagoula participates in the National Flood Insurance Program (NFIP). The NFIP makes federally backed flood insurance available for all buildings, whether they are in a floodplain or not. Flood insurance covers direct losses caused by surface flooding, including the Gulf of Mexico flowing over its banks, a lake or ocean storm and local drainage problems.
The NFIP insures buildings, including mobile homes, with two types of coverage:
structural and contents. Structural coverage is for the walls, floors, insulation, furnace and other items permanently attached to the structure. Contents coverage may be purchased separately provided the contents are in an insurable building.
The mandatory requirement applies to all forms of federal or federally related financial assistance for buildings located in a Special flood Hazard Area (SFHA). This requirement affects loans and grants for the purchase, construction, repair, or improvement of any publicly or privately owned building in the SFHA, including machinery, equipment, fixtures, and furnishings contained in such buildings. Financial assistance programs affected include loans and grants from agencies such as the Department of Veterans Affairs, Farmers Home Administration, Federal Housing Administration, Small Business Administration, and Federal Emergency Management Agency. The requirement also applies to secured mortgage loans
from financial institutions, such as commercial lenders, savings and loan association, savings banks, and credit unions that are regulated, supervised by Federal agencies such as the Federal Deposit Insurance Corporation and the Office of Thrift Supervision. It also applies to all mortgage loans purchased by Fannie Mae or Freddie Mac in the secondary mortgage market.
How Mandatory Purchase Requirement (MPR) Works
Before a person can receive a loan or other financial assistance from one of the affected agencies or lenders, there must be a check to see if the building is in a Special Flood Hazard Area (SFHA). The SFHA is base (100 year) floodplain mapped on a Flood Insurance Rate Map (FIRM). It is shown as one or more zones that begin with the letter “A” or “V”.
Copies of the FIRM are available for review at The City of Pascagoula Code Enforcement Department 4015 14th Street Pascagoula, Mississippi. Many lenders and insurance agents also have copies. It is the agency or lender’s responsibility to check the FIRM to determine if the building is in an SFHA, although the City of Pascagoula provides assistance.
If the building is in a SFHA, the agency or lender is required by law to require the recipient to purchase a flood insurance policy on the building. The requirement is for structural coverage equal to the amount of the loan (or other financial assistance)Or the maximum amount available, whichever is less. The maximum amount available for a single-family house is $250.000. The mandatory purchase requirement does not affect loans or financial assistance for items that are not covered by a flood insurance policy, such as vehicles, business expenses, landscaping, and vacant lots. It does not affect loans for buildings that are not in the SFHA, even though a portion of the lot may be flood prone. While not mandated by law, a lender may require a flood insurance policy as a condition of a loan for a property in any zone on a Flood Insurance Rate Map.
A repetitive loss property is one for which two or more claims of at least $1,000.00 have been paid by the NFIP for flood loss since 1978.
The City of Pascagoula provides public information to assist residents with flood protection. The Code Enforcement Department offers the following services:
Information determining if a property is flood prone, including flood elevation or depths; and data on the history of flooding where available.
Site visits to advise property owners on appropriate flood protection measures.
The reviewing and critique of retrofitting plans for flood prone buildings.
As an owner of a repetitive loss property you will also receive information and brochures as they are made available
to us to further assist you on flood proofing your property.
For any help with the above mentioned services or information, contact the Planning and Building Department Monday through Friday, 8:00 A.M. to 5:00 P.M. at 938-6620.
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