Important Pines Lake Wayne, NJ Flooding Information

According to a new report, The Pines Lake community in Wayne, NJ makes the most repeat flood claims in all of New Jersey.

Below is an excerpt from The Township of Wayne, NJ’s website regarding Flood Insurance:

Flood Insurance

The Township of Wayne participates in the National Flood Insurance Program (NFIP). The NFIP makes federally backed flood insurance available for all buildings, whether they are in a floodplain or not. Flood insurance covers direct losses caused by surface flooding, including a river flowing over its banks, a lake or ocean storm, and local drainage problems.

The NFIP insures buildings, including mobile homes, with two types of coverage: structural and contents. Structural coverage is for the walls, floors, insulation, furnace, and other items permanently attached to the structure. Contents coverage may be purchased separately provided the contents are in an insurable building.

Mandatory Purchase Requirement: The mandatory purchase requirement applies to all forms of federal or federally related financial assistance for buildings located in a Special Flood Hazard Area (SFHA). This requirement affects loans and grants for the purchase, construction, repair or improvement of any publicly or privately owned building in the SFHA, including machinery, equipment, fixtures, and furnishings contained in such buildings.

Financial assistance programs affected include loans and grants from agencies such as the Department of Veterans Affairs, Farmers Home Administration, Federal Housing Administration, Small Business Administration, and Federal Emergency Management Agency. The requirement also applies to secured mortgage loans from financial institutions, such as commercial lenders, savings and loan associations, savings banks, and credit unions that are regulated, supervised or insured by Federal agencies such as the Federal Deposit Insurance Corporation and the Office of Thrift Supervision. It also applies to all mortgage loans purchased by Fannie Mae or Freddie Mac in the secondary mortgage market.

[Read full article here]


Below is an excerpt presented by the Wayne Office of Emergency Management on Flood Preparedness, which was published as a Community Service by the Township of Wayne, NJ.
Flood Preparedness
Floods are an inevitable and natural part of life for those who live along or near streams and rivers. Historically serious flooding has occurred in the low-lying areas of Wayne and it is important for people living in those areas to be prepared and to know what to do before disaster strikes. This guide has been prepared to assist residents in that preparation by providing measures that every resident and property owner may take to lessen the impact of flooding on their lives and property. All photographs in this handbook were taken in Wayne Township during the flood of late March or early April, 2005.
This guide was prepared by the Township of Wayne Office of Emergency Management and is based on a number of source documents and resources. Neither the Township of Wayne nor its agents and employees make any warranty, expressed or implied, nor assume any legal liability or responsibility for the completeness, accuracy or usefulness of information obtained from the various sources. In addition, the Township of Wayne does not endorse or recommend any product or category of products named herein: when individual manufacturers’ names are listed it does not mean that their product has a quality any higher than similar products made by other manufacturers which are not mentioned.