The Letter will outline all FIRM details including flood zone, base flood elevation and other details required to obtain flood insurance. At any time, you can access flood map information about any property by contacting the Village of Estero at (239) 221-5036, or by visiting the Village of Estero Community Development at 9401 Corkscrew Palms.
Unincorporated Miami-Dade County participates in the CRS Program and has achieved a Class 5 Community rating, which guarantees a 25% discount on all flood insurance premiums in flood zones and 10% discount on policies outside flood zones, for residents in this area.
The 6th Edition of the Florida Building Code (FBC) is the current edition in effect for all building code regulations. All new construction and substantial improvements must at a minimum comply with all flood provisions in the FBC. Additional guidance for building in a SFHA can be found through ASCE 7.
Ask residents of South Florida if Flood insurance is necessary For nearly a week, South Florida has been deluged with 10 inches of rain, flooding many homes. Homeowners facing substantial losses without current insurance policy have few choices:
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Flooding is not covered by normal home-owners insurance. Flood Insurance is provided through the National Flood Insurance program and can be purchased through most local insurance brokers. You can protect your home and its contents from flood loss through the National Flood Insurance Program.
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Why Hurricane and Flood Insurance is Important for Florida Residents.. Without insurance, you will be required to pay for all the repairs out-of- pocket, adding to the stress of the entire situation. Don’t shoulder the costs of repairs on top of finding a temporary place to live; the better.
Flood Insurance Flooding is a serious risk in Florida due to the state’s geography and proximity to water, both inland and on the coast. Insurance to cover this risk is not typically provided in a homeowner’s policy, so it must be purchased separately.