The Town of Mount Pleasant provides several important services to residents and businesses within the Special Flood Hazard Areas (Zones AE and VE) as identified by the Federal Emergency Management Agency (FEMA).
- Annual Flood Prevention Information--The Town releases information such as property protection measures, flood safety information, etc. that can be used to help protect yourself and your property against flooding.
- Participation in the Community Rating System (CRS) Program--The CRS program rates the Town based on outreach projects and activities, enforcement of construction regulations pertaining to flood damage prevention, and participation in the Charleston Regional Hazard Mitigation Plan. Based on this rating, residents can receive a reduction in their annual flood insurance premiums. The Town of Mount Pleasant is currently rated as a Class 6 community and therefore, residents receive a 20% premium reduction.
- Participation in the National Flood Insurance Program (NFIP)--Participation in the NFIP makes it possible for property owners to obtain federally backed flood insurance.
- Map Determinations--The Town responds to verbal and written inquiries regarding flood zones and base flood elevations for properties located in the Town of Mount Pleasant.
- Flood Insurance Rate Maps (FIRM)--These maps are created by FEMA and used to determine the base flood elevation. These are available for public view or can be purchased from FEMA through their Map Service Center.
- Elevation Certificates--These are maintained on file by the Town and are required to be submitted for all structures built in Special Flood Hazard Areas.
Two types of flooding occur in Mount Pleasant: localized flooding and flooding from rising water caused by a storm. Localized flooding is caused from blocked drainage systems or inadequate drainage facilities. Storm flooding or "storm surge" is due to rising water caused by tropical storms and hurricanes. This type of flooding may also have wave action wihich could exert velocity impact forces against structures located in coastal high hazard areas (VE flood zones).
The most recent events that have extensively flooded the low areas of Mount Pleasant include an extreme high tide on New Year's Day in 1987 and Hurricane Hugo in 1989. High water marks resulting from Hurricane Hugo have been surveyed and are shown on maps maintained by the Town of Mount Pleasant.
STANDARD PROPERTY INSURANCE POLICIES DO NOT COVER LOSSES DUE TO FLOODS.
The Town of Mount Pleasant is a participant in the National Flood Insurance Program (NFIP), which makes it possible for Mount Pleasant property owners to obtain federally backed flood insurance. This insurance is available to any owner of insurable property (building or contents). Tenants can obtain coverage for their personal property, even if the owner does not buy structural coverage on the building. Flood insurance is affordable and is available no matter what your risk. The Town urges all persons who live or own property in high-risk flood hazard areas (AE and VE flood zones) to purchase flood insureance to protect themselves from flooding losses. Even those located in low-to-moderate-risk areas should carry coverage. High-risk area homes have a 26% chance of being damaged by a flood over the life of a 30 year mortgage. Nearly 1 in 4 flood insurance claims are paide on policies in low-to-moderate-risk areas. For more information, call your insurance agent or visit www.floodsmart.gov.