can spoil the mood fast. 



When damage occurs, insurance pays 

 off for some property owners. But flood in- 

 surance can be costly. For some, it's 

 prohibitive. 



Sea Grant's booklet Saving Money on 

 Flood Insurance for Coastal Property 

 Owners can help. 



It identifies construction choices in new 

 buildings, existing building modifications 

 and insurance rating options that can 

 reduce the annual cost of flood insurance. 



With the assistance of an insurance 

 agent, the guidelines should help a pro- 

 spective builder, existing owner or designer 

 to optimize the building for the lowest 

 desirable flood insurance premium. 



The booklet was written by Sea Grant 

 coastal engineer Spencer Rogers. 



For your copy, send $1 to UNC Sea 

 Grant, Box 8605, NCSU, Raleigh, N.C. 

 27695, and ask for publication number 

 UNC-SG-89-05. 



Next June, Tar Heel science teachers will 

 have two opportunities to learn first-hand 

 about the state's estuarine environment. 



Approximately 15 teachers are needed 

 to serve as trainers-facilitators for Project 

 Estuary. A facilitator institute June 24-28 

 will examine characteristics of estuaries, 

 activities to teach coastal ecology and field 

 experiences for students. 



Participants will go birdwatching, seining 



for fish, hiking in maritime forests and 

 travel aboard the Duke Marine Lab re- 

 search vessel to Carrot Island and Cape 

 Lookout. 



Another June program, "Paddle to the 

 Sea," will provide in-service training to 20 

 science teachers from a target area includ- 

 ing Tyrrell, Hyde, Dare and Washington 

 counties. 



Selected participants will examine the 

 Albemarle Sound watershed and study 

 coastal education materials. They'll canoe 

 on Lake Phelps and the Scuppernong 

 River and survey Oregon Inlet from a 

 head boat. 



For more information about "Paddle to 

 the Sea," call Lundie Spence, Sea Grant's 

 marine education specialist, at 919/737- 

 2454. Or request an application from UNC 

 Sea Grant, Box 8605, NCSU, Raleigh, N.C. 

 27695. 



For applications for the Project Estuary 

 workshop, write Gail Jones, Assistant Pro- 

 fessor, University of North Carolina, 

 Chapel Hill, N.C. 27599-3500. Or call the 

 UNC Mathematics and Science Education 

 Center at 919/966-5922. 



Coastwatch is published monthly except 

 July and December by the University of 

 North Carolina Sea Grant College Pro- 

 gram, 105 1911 Building, Box 8605, North 

 Carolina State University, Raleigh, N.C. 

 27695-8605. Vol. 18, No. 1, January 1991. 

 Dr. B.J. Copeland, director. Kathy Hart, 

 editor. C.R. Edgerton and Carla B. Burgess, 

 staff writers. 



Coastwatch is a free newsletter. If you'd like to be added to the mailing list, fill out 

 this form and send it to Sea Grant, Box 8605, NCSU, Raleigh, N.C. 27695-8605. 



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