Flood

Flood Management

Floodplain-Management

When owning property in Florida one must keep in mind flood zones. The State of Florida is well documented as a geographical region that can experience significant weather and flooding issues. We strongly recommend property owners have a good understanding of flood zones and the impact they can have on flood insurance and overall flood risk.

Flood zones and elevation requirements are implemented and regulated through government programs in order to ensure that property owners are protected from the threat of material and financial loss due to flood conditions. Since flood zones can change it is important to understand FEMA guidelines and current flood maps in your area. 

Homes and businesses in high-risk flood areas with government backed mortgages are required to obtain flood insurance. Flood insurance protects your home as well as your belongings. Even if your property is not in a high risk flood zone you can purchase flood insurance however it is not required for areas that are not high-risk.

Flood Insurance

Basics

Flood Insurance is available in Polk County through the National Flood Insurance Program and can help you recover from a disaster.

Flood insurance protects you from the financial devastation caused by floods. Even a few inches of water can bring thousands of dollars in repair and restoration costs. Most homeowners insurance does not cover floods.

Flood insurance is single peril insurance, sold separately from homeowners insurance. Flood insurance protects against losses to buildings and their contents, not the land surrounding them.

The coverage applies whether the flooding results from heavy or prolonged rains, coastal storm surge, blocked storm drainage systems, or other causes. To be considered a flood, the waters must cover at least two acres or affect at least two properties.

High Flood Risk         

  • AE, A, AH or AO Zone. These properties have a 1 percent chance of flooding in any year and a 26 percent chance of flooding over the life of a 30-year mortgage.
  • Insurance Note: High-risk areas are called Special Flood Hazard Areas, and flood insurance is mandatory for most mortgage holders.*

Low or Moderate Flood Risk 

  • Shaded X Zone. These properties are outside the high-risk zones. The risk is reduced but not removed.
  • X Zone. These properties are in an area of lower risk.
  • Insurance Note: Lower-cost preferred rate flood insurance policies (known as Preferred Risk Policies) are often an option in these areas.

Read More...Flood Insurance

Polk County Floodplain Management -

For free flood assistance and inspections:

(863) 534-6765 or (863) 534-6767

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Each office is independently owned and operated. Servicing Winter Haven, FL.

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