1. Know your flood riskResidents who live along or near the Winooski, North Branch, Dog, or Steven’s Branch rivers may be in the floodplain. The floodplain is a low-lying area adjacent to a waterway that is generally subject to flooding, and is often designated by FEMA as an area that has a 1 percent chance of being flooded each year. To help you determine where your property is in relation to the floodplain, please contact the Planning Department. The staff can look this information up for you for free. Flash flooding can also occur along any stream and many of these streams are not mapped as flood hazards by FEMA. Understand that any quiet brook can become a raging river under certain circumstances and you should plan ahead.
2. Build safety factors into your designThe city is available to guide you with specifics about projects in the flood hazard area. Development of any type within the floodplain requires a permit prior to commencement. This will provide the city and state the opportunity to inform you of any requirements needed to meet the minimum standards as well as make any suggested changes that could improve safety and reduce flood insurance costs. At a minimum, new buildings are required to be built above or flood-proofed below the design flood elevation. Always check with the city before you store materials, clear vegetation, re-grade or place fill on your property within the flood hazard area. If you have an older home built before floodplains were mapped and regulations in place, we have other floodproofing options to help retrofit your home. For example you could:
- elevate your building above the base flood elevation;
- install closures and sealants around doors and windows;
- construct new watertight walls;
- install flood vents in existing walls or construct floodwalls or levees;
- elevate the furnace, water heater, and electric panel if susceptible to flooding;
- replace electrical outlets with GFCI outlets;
- install “check valves” in sewer traps to prevent flood water from backing up into the drains of your home;
- seal walls in basements with waterproofing compounds to avoid seepage;
- store important documents, insurance cards, banking information, and items of sentimental value in a high location so they stay dry;
- replace existing building materials with materials less susceptible to damage.
3. Buy flood insuranceThe most important flood protection, after prevention, is flood insurance. If your property is located in the floodplain and you do not have flood insurance, talk to your insurance agent. Homeowner’s and renter’s insurance policies do not cover damage from floods. If your lending institution is requiring that you purchase flood insurance and you believe that you have little or no risk, there are tools available to determine your risk. Please contact the Planning Department for information on what tools are available. If your property is not within the mapped flood hazard area it doesn’t mean you are safe from flooding. Property owners outside of the mapped high-risk flood areas file more than 20 percent of all National Flood Insurance Program (NFIP) claims and receive one-third of federal disaster assistance for flooding. Anywhere it can rain, it can flood.
4. Make an emergency plan – Build a kitThere are lots of tools online to help make emergency plans, but FEMA has a site at ready.gov/floods. Emergencies don’t always give you the time to plan and gather resources, so having a plan and kit allows you to act quickly and have a common meeting point or communication plan for when your family is separated.
5. Be aware during Flood WatchesWhen flooding is likely, listen to the radio or television, sign up for VT-ALERTS, or follow the city on social media for information. Montpelier is vulnerable to flash flooding, and conditions can change quickly. Know where to go if you need to reach higher ground quickly by foot. You should get out your emergency kit and make preparations. Around your home you should bring in outdoor furniture, move essential items to an upper floor, and turn off utilities at the main switches or valves if instructed to do so. You should also disconnect electrical appliances, but do not touch electrical equipment if you are wet or standing in water.
6. Take action during Flood WarningsIf there is any possibility of a flash flood, move immediately to higher ground. Do not wait for instructions to move. Be aware of streams, drainage channels, canyons, and other areas known to flood suddenly. Sometimes evacuation is necessary. If you have to leave your home, remember these evacuation tips:
- Do not walk through moving water. Six inches of moving water can make you fall. If you have to walk in water, walk where the water is not moving. Use a stick to check the firmness of the ground in front of you.
- Do not drive into flooded areas. If floodwaters rise around your car, abandon the car and move to higher ground if you can do so safely. A foot of water is enough to float many vehicles. Finally, two feet of rushing water can carry away most vehicles, including SUVs and trucks. You and the vehicle can be quickly swept away. Turn around. Don’t drown!
7. Return home only when safeAfter a flood it is important to listen to the news and to call city hall to see whether it is safe to return. During a flood a number of utilities and areas may not be safe. For example:
- The drinking water supply may not be safe to drink.
- Remaining floodwaters may be contaminated by oil, gasoline, or raw sewage.
- Water may also be electrically charged from underground or downed power lines.
- Roads may have weakened and could collapse under the weight of a car.
- Stay away from downed power lines and report them to the power company.
- Stay out of any building if it is surrounded by floodwaters. Use extreme caution when entering buildings that had previously been flooded as there may be hidden damage, particularly in foundations.
- Septic tanks and leaching systems may have failed and should be serviced as soon as possible. Damaged sewage systems are serious health hazards. Clean and disinfect everything that got wet. Mud left from flood water can contain sewage and chemicals.
8. Document damage and get permitsAfter a flood it is very important to contact your insurance agent and the Planning Department before repairing or rebuilding any damage. This is critical to remaining eligible for federal assistance if it becomes available. Taking pictures of damage and working with the planning office is the fastest way to get moving forward without jeopardizing your assistance. Although the city, state government, the Army Corps of Engineers, and FEMA have constructed flood mitigation devices, enacted various forms of legislation, and initiated numerous activities and programs designed to mitigate flooding and flood damage to the city, the threat of flooding and flood damage remains significant. The Montpelier Hazard Mitigation Plan, adopted in 2021, presents strategies to mitigate future flood losses in the event a flood does occur. The City of Montpelier and the Department of Planning and Community Development are here to help with questions regarding flooding in our community. Multiple staff members are specially trained in floodplain management. We can provide information about local flooding hazards; flood safety; flood insurance; property protection measures; and mapping and regulatory assistance. We have many informational brochures and pamphlets here in the office. We can assist with reading and understanding NFIP maps and print them out for you. You can also ask the Kellogg-Hubbard Library for the flood information that we have provided for them. Please do not hesitate to call me, Audra Brown, CFM, Planning & Zoning Assistant, 802-223-9506, or email email@example.com .
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