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Would have been our first night of our annual vacation in MB but better to be safe than sorry. First let me say to the regulars on here hope all come out unscathed and flood-free. Since we were going to look at potential areas to live down there this year Florence has got us thinking about how homes are built in MB. Are the building codes for residential homes beefed up to protect against hurricanes? Are the roofs built to withstand 100+ mph winds of a hurricane? Are most homes built on a "raised slab" for protection against groundwater and flooding? Does your homeowner insurance cover losses from "storm surge" and wind damage from tropical storms/hurricanes? Since we live in the northeast we have basements to absorb water before flooding out our walls and belongings. Also wondering, separate issue, with "open concept" homes with living room/dining room combos and slab foundation how can you have lamps on your living room end tables-do builders build outlets into the floor every so many feet so you can have table lamps?
Homeowners doesn't cover flood damage. You need a special FEMA policy. For my home I purchased special storm shutters that you put up prior to the storm. Some of my neighbors have window damage due to flying debris. My house was fine.
Depends when the home was built as building codes have been tightened through the years after lessons learned from prior hurricanes (Hugo, Andrew, Katrina, etc...). If the home was built after 2008 or so then it will hold up much better than one built in 1995. Code today is strict and roofs should be able to withstand 100-120mph. If building a new home you can upgrade the engineering to a fortified home where there’s impact windows and additional metal tie downs. Some homes in the area are on a raised slab but most are slab on grade. Homes in some flood prone areas are elevated on stilts.
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