Fema flood zones florida4/22/2024 ![]() ![]() Some historic homes may be exempt from elevation requirements but aren’t exempt from increased rates for flood insurance if their location is below established flood levels.Keep natural areas undisturbed! Natural areas in all of Monroe County contribute to the retention of floodwaters, improve water quality, and offer refuge for endangered species.Know your evacuation zone by going to Other Resources They may honestly say they don’t know of any flooding, but it could still be located in a Special Flood Hazard Area. If you need a mortgage that is regulated or insured by the Federal government (e.g., VA, FDIC, Farm Credit, OCC, FHA/HUD, OTS, SBA, NCUA), you will be required to purchase a flood insurance policy if the building is located in a Special Flood Hazard Area.įlorida state law requires sellers and their agents to disclose knowledge of any natural hazards on their property, including flooding, so start your research by asking the seller and the agent. If your property is located in a Special Flood Hazard Area, it is five times more likely to experience a flood versus a fire, making flood insurance advisable. ![]() The Federal Emergency Management Agency (FEMA) has prepared Flood Insurance Rate Maps (FIRMs) to show residents the Special Flood Hazard Areas (SFHAs). Deeper floods cause damage that can result in the relocation of residents until repairs are completed. Looking for a new home? Have you checked to determine whether it has ever flooded or had a drainage problem? Even a shallow flood, only a few inches deep, inside your home, could cause thousands of dollars in damage, and the loss of irreplaceable keepsakes. For Your Protection: Know Your Flood Risk Contact our floodplain official for more detailed information. Existing buildings can be protected from shallow floodwaters with some simple retrofitting measures. New buildings and additions must be elevated above the flood levels. Flood ProtectionĪ building can be protected from smaller flood hazards, sometimes at a relatively low cost. Houses that are considered substantially improved or damaged (i.e., more than 50 percent of its market value) by fire, deterioration, flood, and other causes must be elevated above the flood level when they are repaired. Filling and similar practices are prohibited in certain areas. Know Your Local Floodplain Management RegulationsĬonstruction and development within designated flood zones are regulated in order to provide protection to buildings from flood damage. If you are planning to purchase property, it is a good idea to research any possible flood hazard before you buy. During the past two decades, our community, along with other Florida communities, has experienced tropical storms and rainfall events resulting in flood damage. This occurs in a short period of time or after several days of rain. In some areas, minor street flooding, with some intrusion into very low-lying buildings and additional drainage problems, has resulted after several inches of rainfall. To find one close to you, go online to: DRC Locator or, or text DRC along with your zip code to 43362.Īpplicants who wish to apply for disaster assistance should have the following information ready for their registration: Social Security number pre-disaster address of the primary residence the name of all occupants of the pre-disaster household, types of insurance coverage current telephone number and mailing address and bank account and routing numbers for direct deposit of financial assistance, if eligible.Īpplicants should also keep their contact information updated with FEMA as the agency may need to call to schedule a home inspection or get additional information.Our Community’s Flood Hazard, What Prospective Property Owners Should Know Monroe County’s Situationįlooding, to some degree, is a way of life in the Florida Keys. Several DRCs are operating throughout Florida’s disaster-damaged counties. ![]()
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