Flood Plain Management
Many Golden Valley residents are already prepared for potential flooding. Those with homes near a flood plain have likely floodproofed their homes and purchased flood insurance, protecting themselves from costly damage. The information on this page can help you learn if your home or business is at risk for flooding and how to take action to prevent flood damage.
Flood Plain Management
The City of Golden Valley has been working to manage flooding for decades. In 1969 the City joined seven western suburbs and Minneapolis to form an organization that later became the Bassett Creek Watershed Management Commission. The BCWMC worked with member cities, the US Army Corps of Engineers, and other agencies to build flood control structures on Bassett Creek.
Flood Plain Construction
- In Golden Valley, the Wisconsin Avenue Control Structure (2001) and the Boone Avenue Lift Station (2005) are two of many projects built to protect houses, businesses, and public infrastructure from flood waters. These structures operate automatically whenever the creek reaches dangerous levels. After heavy rains and during spring snow melt, Brookview Golf Course is one of several areas that serve as a flood water storage area to prevent Bassett Creek from overtopping its banks.
- All construction within the floodplain is regulated by section 11.60 of Golden Valley Code (Floodplain Management Overlay District) http://weblink.ci.golden-valley.mn.us/Public/2/doc/502400/Page1.aspx . Within the regulatory floodplain, new construction and buildings that are cumulatively improved to more than 50 percent of the market value at the beginning of the project are required to be compliant with the City’s regulatory flood protection standards.
- All construction within Golden Valley requires permits. See here for permit applications: http://www.goldenvalleymn.gov/homeyard/projects/applications.php.
Protect Your Property From Flooding Hazard
- Landscape your yard so surface water flows away from your home.
- Clean gutters and make sure eaves and downspouts are functional and pointing away from your home.
- Make sure your sump pump is working, and install a battery-operated backup, in case of a power failure.
- Install a water alarm to let you know if water is accumulating in your basement.
- Move furniture, valuables, and important documents to a safe place.
- Keep debris and trash out of nearby streams, ditches, and drainage ways.
- Create a personal flood file containing information about all your possessions, a copy of your insurance policy with your agent’s information, and copies of all other critical documents, and keep it in a secure place, such as a safety deposit box or waterproof container.
- Elevate furnaces, air conditioners and other utilities, above flood level.
Protect People From Flooding Hazard
Protecting Natural Flood Plain Functions
- Don’t dump things down the storm drains.
- Keep storm drains in your street free of leaves, garbage, and debris.
Services Provided By Golden Valley Staff
- Engineers and building inspectors can offer technical advice about flooding and drainage issues. Golden Valley staff is available at no charge for on-site visits to your home. Please call 763-593-8030 for an appointment.
- Golden Valley staff can provide information about whether your property is in the FEMA flood plain, FEMA flood way, or other flood areas as well as historical flood information (a small fee will be charged).
- This FEMA website allows you to view Flood Insurance Rate Maps for any property in the city.
- If your home is threatened by flooding, grants may be available to help pay for the design and construction of berms or structural modifications to your home. Call Golden Valley Public Works at 763-593-8030 for more information.
Amid mounting costs associated with flood damage, Congress created the National Flood Insurance Program in 1968. Congress mandated that any home located in a community that participates in the NFIP and purchased with a federally backed mortgage must have flood insurance. Golden Valley residents can purchase flood insurance through this program because the City’s ordinances meet minimum NFIP guidelines.
Keep in mind that most homeowner's insurance policies don’t cover floods and that flood insurance policies have a 30-day waiting period before they begin. This is waived if insurance is purchased at the closing of a loan. Renters can buy flood insurance to cover the contents of their homes. For more information about floods and flood insurance, go to www.floodsmart.gov.
Flood insurance is purchased through local insurance agents. Call your agent or find one at http://www.floodsmart.gov/floodsmart/pages/choose_your_policy/agent_locator.jsp.
- Base Flood: The flood having 1 percent chance of being equaled or exceeded in any given year. This is also known as the 100-year flood.
- Flood: A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is the policyholder's property) from one of the following: overflow of inland or tidal waters; unusual and rapid accumulation or runoff of surface waters from any source; mudflow; collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above.
- Flood Insurance Rate Map: Official map of a community on which the Mitigation Division Administrator has delineated both the special hazard areas and the risk premium zones applicable to the community.
- Flood Zone (Zone): A geographical area shown on a Flood Hazard Boundary Map or a Flood Insurance Rate Map that reflects the severity or type of flooding in the area.
- Flood Plain: Any land area susceptible to being inundated by floodwaters from any source.
- Flood Plain Management: The operation of an overall program of corrective and preventive measures for reducing flood damage, including but not limited to, emergency preparedness plans, flood control works, and floodplain management regulations.
- Mandatory Purchase: Under the provisions of the Flood Disaster Protection Act of 1973, individuals, businesses, and others buying, building, or improving property located in identified areas of special flood hazards within participating communities are required to purchase flood insurance as a prerequisite for receiving any type of direct or indirect federal financial assistance (eg, any loan, grant, guaranty, insurance, payment, subsidy, or disaster assistance) when the building or personal property is the subject of or security for such assistance.
- National Flood Insurance Program: A federal program enabling property owners in participating communities to purchase insurance protection against losses from flooding. This insurance is designed to provide an insurance alternative to disaster assistance to meet the escalating costs of repairing damage to buildings and their contents caused by floods.
- Preferred Risk Policy: A policy that offers fixed combinations of building/contents coverage or contents-only coverage at modest, fixed premiums. The PRP is available for property located in B, C, and X zones in Regular Program communities that meet eligibility requirements based on the property's flood loss history.
- Special Flood Hazard Area (SFHA): A FEMA-identified high-risk flood area where flood insurance is mandatory for properties. An area having special flood, mudflow, or flood-related erosion hazards, and shown on a Flood Hazard Boundary Map or a Flood Insurance Rate Map as Zone A, AO, A1-A30, AE, A99, AH, AR, AR/A, AR/AE, AR/AH, AR/AO, AR/A1-A30, V1-V30, VE, or V.
Definitions taken from: http://www.floodsmart.gov/floodsmart/pages/glossary_A-I.jsp.
Publications available at Golden Valley Library, on the FEMA website, and in brochure holders in Golden Valley City Hall:
- Above the Flood: Elevating your Floodprone Home
- Answers to Questions about the National Flood Insurance Program
- Elevated Residential Structures
- Protecting Manufactured Homes from Floods and Other Hazards
- Protecting Building Utilities from Flood Damage
- Protecting Floodplain Resources
- Reducing Damage from Localized Flooding