![]() Osceola County uses the results of the most current set of Flood Insurance Rate Maps and its accompanying Flood Insurance Study to guide compliance and site planning. Information for Builders How New Flood Hazard Maps Affect Construction (Engineers, Surveyors, Developers) * Insurance note: Lower-cost preferred rate flood insurance policies (known as Preferred Risk Policies) are often an option in these areas. These properties are in an area of overall lower risk. These properties are outside the high-risk zones. Insurance note: High-risk areas are called Special Flood Hazard Areas, and flood insurance is mandatory for most mortgage holders. These properties have a 1 percent chance of flooding in any year - and a 26 percent chance of flooding over the life of a 30-year mortgage. Property owners should talk to their insurance agent to learn their specific risk and take steps to protect their property and assets.įlood maps refer to areas of high, medium or low risk as "flood hazard zones" and the zones of highest risk as "Special Flood Hazard Areas." Risk LevelĪE, A, AH or AO Zone. An existing policy can be converted to a lower-cost Preferred Risk Policy. Twenty-25 percent of all flood insurance claims come from low- to moderate-risk areas.Ĭonversion offers savings. Flood insurance can still be obtained, at lower rates. The risk has only been reduced, not removed. An insurance agent can provide more details on how to save.Ĭhange from high flood risk to low or moderate riskįlood insurance is optional, but recommended. The National Flood Insurance Program (NFIP) has "grandfathering" rules to recognize policyholders who have built in compliance with the flood map or who maintain continuous coverage. Flood insurance will be federally required for most mortgage holders.* Insurance costs may rise to reflect the true (high) risk. These Requirements, Options, and Savings ApplyĬhange from low or moderate flood risk to high riskįlood insurance is mandatory. However, options exist that will allow property owners to save money while still protecting their property. When the new maps are adopted, flood insurance requirements will change. The flood map modernization project is a joint effort between Osceola County and the Federal Emergency Management Agency (FEMA), in cooperation with municipal, association and private sector partners. The result: a better picture of the area's most likely to be impacted by flooding and a better foundation from which to make key decisions. New digital mapping techniques will provide more detailed, reliable and current data on county flood hazards. The likelihood of inland and riverine flooding in certain areas has changed along with these factors. Over time, water flow and drainage patterns have changed dramatically due to surface erosion, land use and natural forces. These maps also allow community planners, local officials, engineers, builders and others to make important determinations about where and how new structures and developments should be built. By showing the extent to which areas of the county - and individual properties - are at risk for flooding, flood maps help business and property owners make better financial decisions about protecting their property. Flood Maps: A Risk Management Mustįlood hazard maps, also known as Flood Insurance Rate Maps (FIRMs), are important tools in the effort to protect lives and properties in Osceola County. Should you experience any problems viewing this information, please call the Community Development Department at (407) 742-0200. Click the FEMA Flood Zones map and look for your address.In order to view these maps, please follow these instructions: The proposed FEMA Flood Hazard Maps are now available on the Osceola County Maps website. Osceola County, Community Development Office As a stakeholder in Osceola County's future, you should be aware of how the maps are changing and why - and how the changes will affect residents and business owners alike.įor additional information on Flood Maps or if you have questions contact: ![]() The current effective FEMA Flood Insurance Rate Map (FIRM) for Osceola County is dated June 6, 2001.Īs a result of this project, property owners throughout Osceola County will have up-to-date, reliable, Internet-accessible information about their flood risk - on a property-by-property basis. The new maps reflect current flood risks, replacing maps that are over 10 years old. Osceola County has undertaken a multi-year project to re-examine flood zones and develop detailed, digital flood hazard maps.
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