Flood Damage Information


As a property owner in the City of St. Charles contemplating clean up and repairs following recent flooding, the City Floodplain Administrator’s office is reminding residents/business owners to obtain local permits before repairing or rebuilding flood-damaged structures.

The permits are required as part of local government participation in the National Flood Insurance Program (NFIP), providing eligibility for flood insurance, flood disaster assistance, state and federal grants and loans, and buyout funds for flood-prone property.

Local floodplain management ordinances require that permits be obtained for any construction or development activity in a floodplain area, including the repair or reconstruction of structures damaged by flooding.

Special conditions apply to substantially damaged buildings – those in which the total cost of repairs is 50% or more of the structure’s pre-flood market value. If a building is found to be substantially damaged, regulations require that repairs not begin until compliance with local floodplain ordinance is demonstrated. In some cases, that may require repairs that include elevating or flood-proofing the structure to reduce the potential for future flood damage.

Repair costs must be calculated by assuming the building will be fully repaired to its pre-damaged condition, even if the owner decided to do less. The total cost calculation must include structural material; finish material and labor, even if the owner chooses to do his or her own repairs.

Under the NFIP, the Increased Cost of Compliance or ICC program may provide additional financial assistance to either elevate or remove flood damaged structures from the floodplain. Owners who have NFIP coverage are eligible to receive ICC benefits if the local official determines that their structure is located in the floodplain has been substantially damaged by a flood.

Property owners, residents and business owners with flood-damaged buildings should contact John Boyer, Planning Manager/Floodplain Administrator at 636-949-3222 or via email at john.boyer@stcharlescitymo.gov for more information on inspections, repair and floodplain development permits.