Floods are the most common hazard in the U.S. Most homeowners’ insurance doesn't cover flood damage.
Flood insurance is required on any structure that is located in a special flood hazard area and is financed through a federally backed mortgage or loan including conventional home mortgage loans, home improvement loans, construction loans and commercial loans.
The City's active participation in the Community Rating System (CRS) allows city residents to receive discounts on flood insurance.
City staff is available to offer an initial assessment of existing drainage and stormwater conditions for properties within the city. It is the responsibility of the property owner to execute and maintain desirable stormwater management practices. For guidance on drainage issues, please call our office at (407) 571-8607.