Sorry, your browser doesn't support Java(tm).
Citizen
Visitors
Business
City Directory
City Departments
City Government
Jobs
Features
Local Weather

Flood Information

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 flood.
 
Repetitive Loss Properties National Flood Insurance Program
(NFIP)
 
Mandatory Purchase Requirement
 		 Mississippi Hurricane Evacuation Study  
This is a PDF file
 
How MPR Works  
 		 Weather Tracking
Links
 
FEMA Information Real-Time Water Data
for the Pascagoula River
 
Flood Safety for you & your property City of Pascagoula
Flood Protection Information 
This is a PDF file
 
Check here for information on building stronger more hurricane resistant homes
 		  

ELEVATION CERTIFICATES:
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.

 

National Flood Insurance Program (NFIP)

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.

 

Mandatory Purchase Requirement

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.

Back to Top

How 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.

Back to Top

Repetitive Loss Properties

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 Code Enforcement Department Monday through Friday, 8:00 A.M. to 5:00 P.M. at 938-6620.


Back to Top

Weather Tracking Links

Weather Underground

Jackson County Civil Defense

NOAA Hurricane Tracking Chart

Evacuation Map

National Hurricane Center