"Bang for Your Buck" Questions Surround NFIP in Kent County - WBOC-TV 16, Delmarvas News Leader, FOX 21 -

"Bang for Your Buck" Questions Surround NFIP in Kent County

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LEIPSIC, Del. (WBOC) - The threat of sea level rise is having and will have a significant impact on Delmarva. For people who live along the Delaware Bay the financial effect was front and center Tuesday.


Rep. John Carney, D-Delaware, is hosting a series of events on the topic this week.

Kitts Hummock is a small community along the Delaware Bay just east of Dover Air Force Base. People there, like Mike Costello, need flood insurance on their homes. Costello came to a discussion about flood insurance Tuesday in Leipsic.

"Lately the premiums have of our flood insurance have increased to the point that it's a hardship for some people," he said.

In Kent County this is an issue for homeowners in Leipsic and Kitts Hummock but also Bowers Beach, Little Creek and other places. Glenn Gauvry is mayor of Little Creek.

"We know we're in a flood plain. We've embraced the idea of living in a coastal area. We know we're going to have flooding," said Gauvry.

Homeowners insurance handles replacement costs for everything except a flood. That's where flood insurance comes in. Gauvry says it has a "bang for your buck" problem.

"If you're getting the total replacement of your home for $600 a year, but you're only getting the damage of a flood for $2,000 a year," Gauvry said. "The rub really is the disparity between those two costs."

Rich Sobota represented FEMA at the event. FEMA runs the National Flood Insurance Program. He says the insurance costs what it does due to the frequency and severity of floods.

"Unfortunately by far the single most frequent event in this country that causes damage is flooding," Sobota said.

Costello says clearing up confusion about the program is important.

"There's just a lot of confusion, a lot of questions, a lot of disconnect between premiums and value of homes and who pays and why," he said.

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