Chuck and Terry Nowiski lived in their country-style farmhouse with a wrap-around porch for 36 years before it flooded. After hurricanes Matthew and Florence, they said “yes” to the state’s offer to buy their place and tear it down.
Nearly three years later, they’re still waiting for the money. What’s worse, they say it’s for the home’s value before the storms hit in 2016 and 2018. Now they worry they won’t be able to buy the house they want with the federal disaster dollars they’ll get.
Buyouts also are considered cheaper for taxpayers compared to repairing and rebuilding flooded houses—sometimes multiple times—with government payouts and federal flood insurance. People who take buyouts usually want to relocate to similar homes on higher ground in the same community. But some worry that buyout dollars won’t be enough. Others reject them because private buyers’ offers were too good to turn down. The houses stayed occupied—and at risk.
Programs have traditionally struggled to help everyone relocate to similar housing, particularly those with lower incomes. Inflated housing prices have shined a greater spotlight on the limitations. Edwards also said that FEMA now allows for an increased payment of up to $31,000 to assist homeowners in their search for comparable housing.
Retired and in their mid-60s, they want to stay local without taking out a mortgage. Their daughter is nearby, and so is their nonprofit ministry to help troubled boys. “Homeowners that want to get out of a property quickly will often pursue other methods, if they have the means,” he said. North Carolina’s Mecklenburg County, which includes the city of Charlotte, is one such place. It created its own self-funded program to move people away from the Catawba River and other waterways that can overflow from heavy rains.
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