![]() Before rebuilding in a Special Flood Hazard Area (SFHA), be sure to check with local building officials.This will not only make your home safer but will save money on your federal flood insurance premiums. You must follow floodplain ordinance requirements and get the proper permits when rebuilding.You should contact your local building official to find out why or how a substantial damage determination was made on a building you own that was affected by Hurricane Irma. Substantial damage is also a term used by NFIP. Substantial Improvement is a term used by NFIP and refers to the reconstruction or improvement of a structure that has been substantially damaged. pens a New Window.If you are a Florida homeowner rebuilding after Hurricane Irma you may have to elevate your home to meet community floodplain management regulations.Ĭommunities participating in the National Flood Insurance Program (NFIP) require all homes being substantially improved, or homes that have sustained substantial damage, to be built or elevated to or above the Base Flood Elevation (BFE). If you have to leave your property, disconnect all electrical appliances.Seek emergency advisories and instructions.Do not allow children to play in flooded areas or channels.Never attempt to move a stalled vehicle in flood conditions.If your car stalls, abandon it immediately and seek higher ground if possible. Just six inches of rapid running water can sweep you off your feet. ![]() Remove furniture and valuables from lower enclosures.Shut off electricity and gas to your home or business.Flash Flood Warning means flooding has been reported or is imminent.Flash Flood Watch or Flood Watch means to be alert to signs of flash flooding and be ready to evacuate on a moment’s notice.If you do not have an NOAA Weather Radio to monitor severe weather, stay tuned to local radio stations or television stations.And always check with a floodplain official before planning a construction project.Install flood openings to equalize the pressure of flood waters.Place your mechanical equipment above flood levels.Elevate your home or place of business above flood levels.Consider Permanent Flood Protection Measures Moving water from flash floods can lift rocks and debris and damage homes and buildings. Flash Floodingįlash flooding is caused by sudden heavy rainfall and can occur in just a few hours or less. Hurricane Wilma (2005) caused significant damage in the Keys. Water that is pushed toward the shore by the strong storm winds, can cause severe flooding in coastal areas. Hurricanes, tropical storms, and summer thunderstorms have the potential to unload heavy rainfall, which backs up drainage systems and causes flooding. Heavy rains, tropical storms, and hurricanes have all affected Florida in recent years Heavy Rains Know your flood zone: Flooding is One of Florida’s Most Frequent Hazards.provides the following services: information about flood hazards, map determinations, base flood elevations, and reference materials on flood protection. The Monroe County Planning and Environmental Resources Department Opens a New Window. Because of low elevations, specifically affected areas would be inundated by water during major storms.Monroe County also participates in the Community Rating System, which has garnered 25 percent discounts for residential NFIP plans in unincorporated Monroe County. (NFIP), which is a federally subsidized program that enables property owners to purchase flood insurance in return for community adoption of specific flood damage reduction planning and building criteria. Monroe County participates in the National Flood Insurance Program Opens a New Window.Visit orĬall (888) 379-9531 to find out more about who writes flood insurance in your area. Call your insurance agent to discuss your flood insurance coverage.Flood Damage is not covered by your homeowner’s insurance.Base flood elevations range from 6 to 17 feet above Mean Sea Level (MSL).All of Monroe County is located in a floodplain.Heavy rains, tropical storms, and hurricanes have all affected Florida in recent years. Due to the low-lying elevations of the Florida Keys, residents need to be aware of potential flooding that may occur.
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