So, next up I wanted to go over some building types and their flood susceptibility. As always, consult your insurance company or NFIP.
First, you have your Slab on Grade. This is the most basic type of home that many people have in coastal Georgia. This is a home that's basically just sitting on a concrete slab. We have no basements here, so the measurements start at where the slab meets the ground.
Next, we have what's called Elevated with No Obstruction. These homes are very common on Tybee Island, where you see them basically sitting on stilts. The elevation measurement starts at where the silts meet the slab. Keep in mind that these homes are raised because being on the beach and all, they do stand a high risk of being flooded.
After that, there's Elevated with an Enclosure. This is similar to one with no obstruction, however the key difference is that the bottom half of the home is enclosed for more space. BE VERY CAREFUL ABOUT THIS. Flood insurance guidelines point out that if you insist on enclosing your the bottom of the home, you have to use ventilated breakaway walls (that all have to be ventilated) or else you WILL void your insurance. That man cave you want to build isn't worth voiding your insurance, trust me.
Lastly, we have homes with a Crawlspace. You'll see most of these in the Historic District of Savannah, as they have slightly raised foundations with - you guessed it - a crawlspace underneath. Again, this has to be well ventilated underneath.
With this article and the previous one, I've given you some basics on flood insurance. It's up to you, Harry Homeowner, to do some research and check with the county to see just what your flood risk is and prepare for it. Nobody will do this for you, and you owe it to yourself and your family to be protected. Also, this will make your life much easier if you decide to sell your home and when you're making the move into a new one.
Contact the Chatham County Department of Engineering Floodplain Management (that's a mouthful!) at (912)652-7800 with any questions.
Thanks for reading!