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While in New Jersey some people want their homes mapped outside of FEMA's flood zone, in Vermont some want in.


COHEN: Karin Hardy is standing where her home, built in 1850, once stood in Jamaica, Vermont, across from the tranquil Ball Mountain Brook. But when Tropical Storm Irene hit, in August 2011, she heard boulders tumbling.

KARIN HARDY: The brook was really getting full and it had an energy about it that made me uncomfortable, but I had no idea what was in store.

COHEN: Hardy left her house without even packing a bag. After all, the house had stood there for well over a century. But the floodwaters charged downstream, plucking her house whole, hurling it against a bridge. Her three neighbors also lost their homes.

HARDY: That was Brett's house, Dave's house, my house, Tracy's here.

COHEN: The neighbors applied for a FEMA program that buys flood-damaged property in order to reduce future flood hazards. But FEMA determined these properties - and six others in Vermont - are not eligible for the program, in part because they're not located in Special Flood Hazard Areas on national flood maps. These areas are where FEMA predicts there's a 1 percent chance every year that a flood of a certain size will occur. But the maps don't predict all floods, even the largest ones, including Irene.

Ned Swanberg, Vermont's flood hazard mapping coordinator, says FEMA maps focus on what's known as flood inundation - when floodwater sits and soaks things. But he says that's not the big problem in the hilly terrain of Vermont.

NED SWANBERG: And a lot of the damage that's experienced is from the power of the moving water, the power of the moving sediment and the culverts and roads and bridges and structures that are in the way.

COHEN: The state has asked FEMA to include this type of flooding, from river erosion, on flood maps. Another problem is the maps are decades old. Michael Goetz recently retired from managing FEMA's mapping program for New England.

MICHAEL GOETZ: Right now, we have not made any particular changes in those small, river floodplains in a lot of New England And that's not only Vermont but it's throughout New England.

COHEN: FEMA's mapping budget this year was cut in half. And there are new priorities.

GOETZ: Congress recently told us that we need to focus most of our attention on mapping all of the populated coastline in the United States

COHEN: Not exactly a description of Vermont. Congressman Peter Welch says he's been advocating for FEMA to fix the maps.

REPRESENTATIVE PETER WELCH: These maps are out of date and they're inaccurate, so that when a flood occurs - if you are not designated in a flood zone - you are out of luck when it comes to FEMA aid.

COHEN: Without FEMA's funding, the state of Vermont has come up with a plan to buy out the Jamaica properties. And the state is planning for future floods by encouraging building restrictions close to rivers.

For NPR News I'm Nancy Cohen.

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