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39 <br />Hunter Schofield: Could you elaborate on the statement "building retrofit required". <br />Glenn Bowles: For those houses in the floodplain areas, if improvements to existing structures <br />are desired, they have to be brought up it to standard. It depends on the type of improvement. If <br />the improvement is grater than 50% of the market value of the house, or the house is destroyed, <br />the homeowners have to bring the structure up to standards, which is generally increasing the <br />elevation. <br />