The NFIP works with communities required to adopt and enforce floodplain management regulations that help mitigate flooding effects.įlood insurance is available to anyone living in one of the almost 23,000 participating NFIP communities. Please contact us with your floodplain questions at (386) 313-4009, by fax at (386) 313-4109, or email. The NFIP provides flood insurance to property owners, renters and businesses, and having this coverage helps them recover faster when floodwaters recede. The Planning and Zoning Department also provides Flood Zone Information, and may be able to provide copies of Elevation Certificates (EC) and Federal Emergency Management Agency (FEMA) Letters of Map Amendments (LOMA) for existing structures. Flood insurance is a separate policy that can cover buildings, the contents in a building, or both, so it is important to protect your most important financial assets - your home, your business, your possessions. Most homeowners insurance does not cover flood damage. You can get your own survey done and try to change the map before it takes effect in October.The National Flood Insurance Program (NFIP) is managed by the FEMA and is delivered to the public by a network of more than 50 insurance companies and the NFIP Direct.įloods can happen anywhere - just one inch of floodwater can cause up to $25,000 in damage. You can also look at up online.Ģ) Click on the icon all the way on the leftĤ) Click on 'Flood Zone Map' to see current flood zonesĥ) Click on 'Proposed Flood Zone' to see the proposed changes You can call the county to find out if you're in a flood zone at 56. “You may want to have a survey done and get an elevation.” “You want to make sure that they’ve got you classified you correctly,' Rill said. Rill said you should inform yourself now and not wait until October. That's because FEMA is including the risk of the Herbert Hoover Dike failing in their new maps. The current maps are based on 30-plus-year-old studies. After an extensive vetting process, these maps will replace the current flood maps. “I think a lot of the biggest changes are in western and central counties,' said Doug Wise with the Palm Beach County Building Division. In December 2019, the Federal Emergency Management Agency (FEMA) released new PRELIMINARY coastal flood maps after a multi-year study of Monroe County’s coastal flood risks. These new flood maps do not just impact properties close to the ocean. Zone AE - 100-year floodplain, the base floodplain where base flood elevations are provided. Because detailed analyses are not performed for such areas, no base flood elevations are shown. 'Does your home have any mitigating factors? Like is it raised on a crawl space?” Zone A - 100-year floodplain, areas with a 1 annual chance of flooding and a 26 chance of flooding over the life of a 30year mortgage. “They look at the construction of your home,' Glass said. FEMA provides access to the National Flood Hazard Layer through web mapping services. “So if you don’t have it, they can foreclose on your house because you don’t have it,' Rill said.ĭepending on which flood zone type you're in (A, B or C) your premium will be different.ĭolores Glass with Wright Flood Insurance explained that's not the only factor. “It’ll be like, when someone gets their renewal they’ll be like: Oh my gosh! What happened to my policy? I wasn’t in a flood zone now I am in one,' Rill said.įor many that will mean they will have no choice but to buy flood insurance. He said many people in the area are going to be surprised when they find out how the changes will affect them.

'They’ve really expanded some of the areas,' said Douglas Rill, a real estate agent with Century 21.

That also means many are going to have to buy costly flood insurance. That's when the new FEMA flood map will take effect. Thousands of properties in Palm Beach County that weren't in a flood zone previously will now be in one come October.

New fema flood zone maps