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Wilmore shop owner says recent floods caused about $25,000 in losses; FEMA, insurance options outlined
Summary
A local shop owner described roughly $25,000 in damage to a downtown business after repeated flooding; planning staff urged owners to submit damage reports to the county planning office to feed FEMA substantial-damage assessments and flood-plain remapping.
Charlie Harold, owner of Dear Charlie Designs, told the council his business suffered about $25,000 in losses after the recent downtown flood, including a destroyed HVAC unit.
"We're currently sitting at a considerable loss," Harold said, describing repeated flooding events in the building's history and saying he had been unable to obtain flood insurance before purchase because he had been told the property was not in a flood zone.
Christopher Montgomery, director of planning and zoning, told residents Wilmore participates in the National Flood Insurance Program and that "anyone can get flood insurance" through the NFIP. Montgomery also offered to accept substantial-damage reports from property owners and forward them to the Kentucky Division of Water and FEMA to support relief and future map updates.
Business owners asked whether FEMA assistance or small-business loans could cover losses; staff replied they had no direct city funds to reimburse individual owners but encouraged owners to document damage and pursue FEMA/substantial-damage reporting channels. Montgomery noted the Division of Water and FEMA are updating flood-plain maps for the Lower Kentucky Watershed, and data from this event may affect future mapping.
Provenance: topicintro SEG 587, topfinish SEG 756
