Highest Risk Flood Areas in Florida

Although they call Florida the Sunshine State, it’s a state that is highly susceptible to flooding. There are very few areas where floods can’t reach in Florida. Part of this is due to its location between the Gulf of Mexico and the Atlantic Ocean. Not to mention the many lakes in the central regions of the state! No part of the state is flood-free. There are only lower risk flood areas and high-risk flood areas.

When you’re in a high-risk area in Florida, All Dry USA has got you covered. We provide a variety of services for water damage restoration as well as emergency repair services in Florida. We specialize in delivering effective services in case of floods and many other emergencies.

This is our guide to the different flood risk zones in Florida. Read on to learn how to protect you and your property from floods.

Florida Flood Zones

The Federal Emergency Management Association (FEMA) releases “flood maps” every year. These maps show which areas have the highest risk of flooding. In Florida, everywhere is a flood zone. The level of risk varies from area to area.

If you have a real estate agent, they may be able to tell you what your home’s risk level is for the year. Insurance providers have a Flood Insurance Rate Map, or FIRM, to help determine risks levels, so they are the most reliable way to find out your zone. The following is an outline of the different areas.

A Zones

Properties in Zone A are subject to volatile rising waters. These may come from lakes, streams, rivers, or other bodies of water.

V Zones

V zones include any first-row beachfront properties. These are the most hazardous of the zones. If you live in a V zone, you should ensure that the structures of your home and your belongings are located above the the Base Flood Elevation, or BFE.

FEMA and the National Flood Insurance Program agree that buildings located in an A or V zone are in a Special Flood Hazard Area. All of these properties are lower than the BFE.

X Zones

These properties are in minimal-risk areas. They have less than a 1% chance of flooding each year.

D Zones

Homes or offices in these areas have not yet been studied in detail. The area may or may not have a risk.

Obtain Flood Insurance

The average homeowner’s insurance plan doesn’t cover damage in the case of a flood, as most people in the United States do not have to worry about this problem. Florida residents are part of the exception. You can purchase flood insurance separately. Its cost depends on how at-risk you are of a flood.

As A and V zones are the most hazardous zones in which to live, it is required that you purchase flood insurance to live there. This is according to the federal law. These are also the areas where the insurance is the most expensive. Other homes in minimal-risk areas do not require flood insurance, but it is recommended.

The National Flood Insurance Program offers insurance to anyone living in Florida. If you live in a low-risk area, the insurance is less expensive. According to the Program, a single-family home is limited to $100,000 coverage for contents and $250,000 for structural damage. Finding the right insurance for you today can help you rest easy during the next storm, knowing all your belongings are covered.

In Conclusion

The biggest part of preventing flood damage to your home is knowing the risks you face in the first place. You can contact your real estate agent or insurance agent today to get more information for your address in Florida. Providers can calculate the cost of your insurance rates from there.

Although flood insurance is optional for many people, consider purchasing it for your home or business. That way, you can replace anything you need in case of an emergency. Uncertainty in your well being is the last thing you need when your home is flooding!

Ben Suiskind

Chief Executive Officer at All Dry USA
With Ben’s knowledge, and visionary leadership, All Dry USA has expanded into a national, full-service property damage restoration company with multiple locations across the United States. Ben holds numerous specialty licenses and certifications in restoration and construction.
Ben Suiskind

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