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National Flood Insurance Program
Community Rating system
Substantial Improvement Requirements
The National Flood Insurance Program (NFIP) requires that if the cost of reconstruction, rehabilitation, addition or other improvements to a building equals or exceeds 50% of the building’s assessed value, the building must meet the same construction requirements as a new building. Substantially damaged buildings must also be borough up to the same standards. If a residence is damaged so that the cost of repairs equals or exceeds 50% of the building’s value (before it was damaged), it must be elevated above the base flood elevation. You may get this elevation from the Construction Office in Borough Hall or call (856) 829-1096.
All new construction and renovation projects require local permits. Various state permits also may be required, depending on the type and location of the project. Always check with your local code official, local engineer or land surveyor before purchasing a property in Palmyra to determine what special regulations may be in effect relating to your location in the special flood hazard zone. If you observe any apparent illegal construction, please notify the Palmyra Code Enforcement Division for their investigation. (856) 829-1096
Drainage System Maintenance
The Borough maintains the drainage system by regular cleaning of the catch basins. In addition, the Borough has ordinances prohibiting the placement of debris in gutters or anything that would block the flow of water and cause flooding in any drainage way. If you observe a catch basin which does not appear to be draining properly, please report it to the Borough Sewer Department at 829-8215.
Your homeowner’s policy does not cover losses due to flooding. Palmyra has participated in the National Flood Insurance Program (NFIP) since its inception. Flood insurance is available for almost any enclosed building and its contents. Maximum insurance on a one-family dwelling is $250,000, for household contents, $100,000. Non-residential and business properties are also eligible for insurance in various amounts. Flood insurance is mandatory is building is subject to any federally guaranteed financing. Reduced rates are available depending on your lowest floor elevation above mean sea level, plus a variety of deductible amounts. Don’t wait for the next flood to buy insurance protection. There is a 30-day waiting period before National Flood Insurance Program coverage takes effect. Contact your insurance agent for more information on rates and coverage.
The Borough’s main goal is planning to reduce flood damage in repetitive areas.
The most flood prone intersections of Palmyra are:
- Temple Blvd & Garfield Ave.
- 5th St & Rt. 73 (North)
- Leconey Circle at Firth Lane
- Spring Garden St. & Rt. 73 (North)
The design of the Borough’s aging storm drain system and high tides make these areas more prone to flooding.
Please monitor flood conditions and avoid these areas and find alternative routes of travel.
If you have any questions regarding road conditions in the Borough you can call Paul Henry, Road Superintendent (856-829-8215.)
The main technique that can be used to flood proof your structure and reduce the potential of future flood damage would be to elevate your house. You may ask an official of the Construction Office to come to your site to review your flooding problem. We will provide one on one advice of the building regulations required to comply with the federal flood standards.
Detailed flood maps, showing local flood hazard areas, can be obtained in the Construction Office at Borough Hall, 20 W. Broad St. These maps show the major flooding areas and repetitive loss areas.
Storm and flood warnings will be given by the Emergency Management Department for any storms that may cause property damage. A storm warning will be given through Comcast Cable Company Emergency Broadcast System, which will override all channels. Global Connect and Nixle are also activated. Please see the Borough’s home page for instructions on how to register for this emergency notification system.
The safety of your family is of the utmost importance. To be well-informed about an approaching storm, keep a battery-powered radio tuned to a local station and follow all emergency instructions in the event of tidal and street flooding. If you are in a low area, you may want to bring outdoor furniture and other possessions inside. You may also want to elevate your first floor furniture high enough that it is not damaged. If evacuation is ordered, do so immediately! DO NOT WAIT! If time permits, turn off the main power switch and shut off the main gas valve.