System, Method, and Apparatus for Flood Risk Analysis

摘要

A method, system, apparatus and computer readable storage medium is provided for taking information related to a specific real property structure, including customer information; information regarding uses of real property (residential, industrial, commercial, living spaces, crawl spaces, etc.); elevation, slope, and grade information; base flood elevation data; flood depth; use of flood mitigation devices (e.g., breakaway walls, flood vents); survey information; the use of design professionals in mitigation of risk; and other matters; and using this information to identify means of reducing risk, including use of, or repositioning of, flood mitigation devices; reinforcement of structures, use of design professionals, and other matters, in order to assess and mitigate risk.;The invention also relates to means for quantifying and reducing excess risk coverage premiums for homes not covered by National Flood Insurance Program flood plain insurance, or for excess insurance coverage over minimum required insurance amounts.

主权项

1. A computer-implemented method of presenting a visual representation of flood risk analysis for a structure, the method comprising:
obtaining, by an electronics device, a set of indicators to determine structural characteristics of a real property structure; choosing, by an electronics interface, a photographic image depicting at least one structure at a location; modifying, by the electronics device, a photographic image to reflect flood damage risks to the at least one structure commensurate with at least one of the following methods of reducing costs of flood damage:
movement of property at the at least one structure;use of flood vents;use of flood vents compliant with technical requirements of National Flood Insurance Program and relevant technical bulletins;use of breakaway walls;displacement of machine or devices within the at least one structure;gradient changes;barriers;bringing in fill to raise elevation of all or part of a structure;evaluating historical flood plain maps to identify flood insurance requirements based on the date a structure was built; andevaluating the lowest adjacent grade against a base flood elevation for filing letters of map amendments.