7 years after Hurricane Sandy, homeowners and public housing residents in flood zones are still not protected

THE CITY

Seven years after Superstorm Sandy deluged New York City, more than eight out of 10 properties in coastal areas the federal government deems extremely vulnerable to the next disaster are without flood insurance, an investigation by THE CITY found.

Meanwhile, the number of flood insurance policies protecting New Yorkers has dropped markedly since the end of 2013 in two of the boroughs hardest hit by the storm: Staten Island, which saw an 18% decline, and Queens, which experienced an 8% decrease.

Residents of roughly 250,000 houses and apartments within red-flagged flood zones are left exposed — thanks to the high cost of insurance policies and a protracted disagreement between local and federal officials.

City and Washington bureaucrats are at least five years away from forging a common set of flood maps that will determine who must buy insurance — leaving New Yorkers reliant on risk ratings little changed since the 1980s.

Mayor Bill de Blasio is disputing the map the Federal Emergency Management Agency (FEMA) created in 2015, which significantly expanded areas identified for high risk of flooding, based on Sandy’s path of destruction.

So for now, only property owners with federally backed mortgages who are living within the old, pre-Sandy zone — last updated by FEMA in 2007 — are required to purchase flood insurance.

Homeowners end up mired in confusion over seemingly contradictory rules: In some cases, people whose properties were devastated by Sandy are living without flood insurance while new or rebuilt homes next door must be made floodproof.

As it all gets sorted out, many homeowners are rolling the dice — skipping often-pricey flood insurance and praying another storm doesn’t send the waters of New York Harbor, Jamaica Bay or Buttermilk Channel barrelling into their living rooms.

“I know the danger. Trust me, I know,” said Semyon Krugolets, 66, a retired cabinet maker whose Staten Island home took on two feet of water during Sandy. “But sometimes you have to make these decisions.”

THE CITY

In March 2015, Mayor Bill de Blasio trekked to Brooklyn’s Red Hook Houses to announce what he dubbed the biggest single Federal Emergency Management Agency grant in history: $3 billion to rebuild and upgrade city public housing developments slammed by Superstorm Sandy in 2012.

He declared construction would begin right away in NYCHA complexes still reeling from the storm that left more than 80,000 tenants without electricity, heat and elevators for weeks — making some residents virtual prisoners in their homes.

But a review by THE CITY found that seven years after Sandy damaged 200 buildings in 35 developments along waterfronts from Red Hook to the Rockaways to the Lower East Side, work has been completed in just two complexes, with a third development nearly done.

And while the mayor pledged that the federal money would be used to stormproof entire NYCHA developments slammed by Sandy, his promise proved premature: FEMA ultimately agreed to pay only for specific buildings battered when the superstorm hit on Oct. 29, 2012.

 Meanwhile, records show city investigators flagged an alarming spike in costs at one NYCHA Sandy rebuild project at the very site where the mayor announced the FEMA grant: the Red Hook Houses.

A vendor’s project proposal jumped from $89,000 to more than $500,000 — and a manager told investigators this happened because de Blasio was pressuring them to get the job done faster, according to a city Department of Investigation report.

Among the findings of THE CITY’s review:

• Construction projects at 31 of the 35 damaged developments missed their original start dates, in some cases by a few months, but in most instances by a year or more. Work at the Lower East Side’s Riis Houses, for example, was scheduled to begin in the fall of 2015 but didn’t start until six months ago.

• The FEMA-funded fixup has been completed at only two NYCHA developments: Lower East Side Rehab and Ocean Bay (Oceanside) in the Rockaways. Work at Harlem’s Rangel Houses is 99% complete, while NYCHA just awarded a contract for the Lincoln Houses in East Harlem. The rest are now under construction, including seven that NYCHA promised will wrap up by year’s end.

• Records show NYCHA hired one contractor later caught cheating workers on wages, another that ended up barred from doing city school construction, and another arrested on charges of stealing heating oil from a competitor when he had an emergency Sandy contract selling heating oil to NYCHA.