Fillable Know Your Flood Risk Before Buying or Building (Pinellas County Government)

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Know Your Flood Risk Before Buying or Building (Pinellas County Government)

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Types of Flood Zones
* If the building is located in the SFHA, flood insurance
will be required for federally backed mortgages.
** Moderate to low risk flood zones account for more than
25 percent of National Flood Insurance Program claims.
Flood Insurance Discount
By providing the flood services mentioned in this
brochure and participating in the National Flood
Insurance Program Community Rating System (CRS),
many residents and businesses throughout Pinellas
County are eligible for a discount on their flood
insurance premiums.
Unincorporated residents and businesses may receive
up to a 25 percent premium discount, which is a
cumulative savings of more than $5.5 million a year
for policyholders. Discounts vary by municipality,
so check with your flood insurance agent to make
sure your flood insurance policy is rated correctly
and you are receiving the correct CRS discount.
With your continued support, there is an opportunity
to save even more in the future. For more information
about your flood risk, visit www.pinellascounty.
org/flooding or contact the Flood Information
Services at (727) 464-7700. Go to www.floodsmart.
gov or call toll-free (888) 379-9531 for more
flooding resources.
ADDRESS OR PARCEL ID:
___________________________________
_______________________________________
DATE:
____________
This property is in a Special Flood Hazard Area (SFHA),
which is a high-risk area. Flood insurance is required for
structures in the SFHA on this property
if they have a mortgage from a federally regulated
or insured lender.
-----------
OR
-----------
This property is in a moderate or low-risk area.
Flood insurance is recommended and you may be
eligible for a highly discounted preferred risk rate.
-----------------------
ALSO MAY APPLY:
------------------------
Flood insurance through the NFIP may not be available
at this property because it is in an area designated
under the Coastal Barrier Resources Act. Coverage
may be obtained in the private market. Contact your
insurance agent for more information.
This property is in a storm surge area.
This property is in evacuation zone
________ .
Comments:
___________________________________________________________
___________________________________________________________
This form does not imply that the referenced property will or will not be free
from flooding or damage and does not create liability on the part of the realtor,
Pinellas County or any officer or employee thereof.
Flood Zones
and
Evacuation Zones
are Different
Whether you are thinking about buying or building
a home, knowing the flood risk and evacuation
zone can protect you from unplanned expenses.
Find out your flood risk and evacuation zone at
www.pinellascounty.org/flooding/maps.htm
Understanding Flood Maps
FEMA flood zone maps, known as Flood Insurance
Rate Maps (FIRMs), show areas of high and
moderate to low flood risk. These maps are used
to set minimum building requirements and to
determine flood insurance requirements and rates.
Storm surge maps display where flooding will
occur when an abnormal rise of water generated by
a storm is pushed toward the shore by strong winds.
These maps are used for hurricane preparedness
and planning.
Evacuation may be necessary due to the risk of
storm surge from tropical storms or hurricanes.
Evacuation zone maps are based on ground
elevation and the area’s vulnerability to storm surge.
Know your zone and follow evacuation orders.
County floodplain maps from detailed watershed
studies show areas that have a 1% or greater
chance of flooding in any given year. Like with the
FIRM high risk area, these floodplain areas are also
considered high risk areas and subject to specific
regulation.
Know Your Flood Risk
Before Buying or Building
in Pinellas County
Pinellas County complies with the Americans with Disabilities Act.
To obtain accessible formats of this brochure, please call (727) 464-4062 (V/TDD). 07/18
Moderate/Low Risk (Non-Special Flood Hazard Area)**
Zones B, C, X
High Risk (Special Flood Hazard Area)*
Zones A
(
A, AE, AH, AO
)
Zones V
(
V, VE
)
!
!
Understanding Flood Insurance
Protect your new home or business and your
belongings with a flood insurance policy. Most
homeowners’ insurance policies do not cover losses
due to flooding. Condominium association flood
policies typically cover common areas and certain
building elements within the unit.
Coverage: Find out what your homeowners and
flood insurance policies cover and do not cover.
Deductibles: Find out your building and contents
deductible amounts.
Rates: National Flood Insurance Program (NFIP)
rates do not differ from company to company or
agent to agent. They depend on many factors, such
as the flood risk, the lowest floor elevation of the
building, and the date and type of construction of
the building. Build smart to lower your rate!
Find out if an elevation certificate is available for
the property and what the flood insurance rate will
be prior to purchasing a property. Pinellas County
and its municipalities provide copies of completed
FEMA elevation certificates.
Flood insurance is mandatory for federally backed
mortgages on buildings located in a SFHA. There is
a 30-day waiting period before coverage goes into
effect, so don’t delay.
Visit www.pinellascounty.org/flooding/
insurance.htm for technical assistance on flood
insurance or for more information.
Stay Connected and Informed
Sign up for Alert Pinellas
to receive free emergency
notifications from the county,
www.pinellascounty.org/
alertpinellas.
Download the Ready Pinellas
app to look up your evacuation
level, preparedness checklists and
plans. Download on your mobile
device through Apple App Store
or Google Play.
Emergency Notication Service
Emergency Notication Service
Everyone is in a Flood Zone
Pinellas County often has storms that cause
flooding. If you are considering buying a property,
check out flood hazards before you buy. Flooding
can occur when there is heavy rainfall or a tropical
weather event. Flooding and other surface
drainage problems can occur well away from
a river, lake or ocean.
Find Out Your Flood Risk
Be an informed buyer and arm yourself with
the knowledge to better protect your home
from hazards.
• What flood zone is the property located in?
• What types of flooding is the property
susceptible to?
• How deep could the flood get?
• Will I need flood insurance?
• How much will flood insurance cost?
• What evacuation zone is the property in?
To find answers to these questions and more,
visit www.pinellascounty.org/flooding or
contact Pinellas County Flood Information
Services at (727) 464-7700.
Did You Know?
• Flooding occurs in and out of designated high
risk flood zones.
• The force of moving water can destroy a building.
• A few inches of water in your house could cause
thousands of dollars in damage. Find out how
much a flood could cost.
• Floodwaters carry mud, chemicals, road oil,
bacteria and viruses that cause health hazards.
• If your property is in a Special Flood
Hazard Area (SFHA), there is at least a one
in four chance of flooding during a 30-year
mortgage.
• Nearly 20 percent of flood insurance
claims in Florida come from areas that are
not in a SFHA. Take advantage of a highly-
discounted Preferred Risk Policy.
Pinellas County and its municipalities
regulate construction and development
in floodplains to reduce damage from
future flooding.
Build Smart
• Get required permits before you start
new construction, or any home repair
or improvement.
• Build your new home or elevate your
existing home and/or equipment, such as
water heaters and A/C units above the base
flood elevation to reduce your flood risk
and your flood insurance premium.
• Living space, electrical outlets, appliances
and bathrooms below an elevated house
are illegal.
• Plan for proper drainage and use
low impact
development
(LID), such as rain gardens,
pervious pavers and vegetative buffers.
Buying a Fixer-Upper?
Be aware of the substantial improvement rules:
• Remodeling projects that cost half of the
value of the original structure will require you
to elevate the building above the flood level.
• Houses substantially damaged by fire, flood
or any other cause must be elevated
above the regulatory flood level when
they are repaired.
IT’S NOT A LL
SUNSHINE
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Completed 30 July 2020

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