Even if not required, an Elevation Certificate can benefit the homeowner and may qualify flood insurance holders for reduced premiums.
Can I request a change to the Flood Insurance Rate Map (FIRM)?
Yes. A property owner may request the change by submitting Letter of Map Change (LOMC) documentation to FEMA. Reasons to submit a LOMC request include:
The property is at a higher elevation than the Base Flood Elevation (BFE) on the FIRM
The property has been re-graded or elevated with fill.
More accurate information than shown on the FIRM is available.
What should I do if my property is flooded?
Do not enter a flooded building until floodwaters have receded. Floodwaters may contain wastewater, waterborne bacteria, and physical debris which may present a hazard to human health and safety.
Contact your flood insurance provider to file a claim within 2 weeks of the event.
When a flood insurance claim payment is received, documentation showing how claims monies are spent—such as receipts, contracting invoices, or bank statements—should be preserved.
All applicable permitsmust be obtained before repair work is completed.
Visit the Hurricane Information for emergency management information, storm updates, and evacuation status.
What is the Community Rating System (CRS) discount on my flood insurance policy bill?
The CRS is a voluntary program in which NFIP communities can participate that recognizes and incentivizes flood risk reduction activities taken by the community which exceed the requirements of the NFIP.
Flood insurance rates are discounted in the participating community in increments of 5% based upon the community’s rating to reflect the reduced flood risk.
The City’s current CRS rating is 6, which provides citizens up to a 20% premium discount.