![]() ![]() must have a building permit prior to the start of construction.Īll applications to build in a Special Flood Hazard Area (SFHA) will not only include building department review but also a floodplain review performed by the Floodplain Coordinator, Floodplain Administrator or designee. Any new structure or improvement to a structure, whether it is an addition, alteration, re-roof, etc. It is important to build responsibly and safely. ![]() When you renew your flood insurance policy, please check for your "Community Rating Number" stated on your policy. Foster comprehensive floodplain managementĪs of 2023, Martin County has improved its rating within the CRS to a Class 5, which provides unincorporated Martin County residents in a Special Flood Hazard Area (SFHA) a 25% premium reduction, and a 10% premium reduction for those in a non-SFHA.Strengthen and support the insurance aspects of the National Flood Insurance Program.Reduce and avoid flood damage to insurable property.In CRS communities, flood insurance premium rates are discounted to reflect the reduced flood risk resulting from the community's efforts that address the three goals of the program: Joining the CRS enables communities to earn premium reductions for their residents for floodplain management activities that a community implements. Under the National Flood Insurance Program (NFIP), Martin County also participates in a voluntary program called the Community Rating System (CRS). When a storm/hurricane is approaching, it’s time to know your evacuation zone.Įvacuation zones in Martin County are identified as AB, CD and E, and some areas of the county are not located in any evacuation zone. Evacuation zones are used only in emergencies to move away from a dangerous storm. Storm surge evacuation zones are different from flood zones. Storm surge zone maps are used to determine evacuations. These zones are determined by the National Hurricane Center and indicate areas that may be inundated by an abnormal rise of water pushed onto shore by a hurricane or storm event. Various sources of flooding include but are not limited to: riverine, poor drainage, sheet flow, coastal, storms, etc.įlood Zone maps (which are officially called Flood Insurance Rate Maps or FIRMs), are used to determine flood insurance premium rates and some building code requirements.īy law, flood insurance is required for federally backed mortgaged homes residing in flood zones beginning with the letters A or V. These zones are known as the Special Flood Hazard Area (SFHA). Geographic areas that FEMA has defined according to varying levels of flood risk. Used to determine extent of coastal storm surge Flood zones and evacuation zones have different purposes and measure different conditions that may not occur at the same time. A home may be located in a non-evacuation zone, yet still be located in a high-risk flood zone because of a nearby stream or pond. Remember!Įveryone lives in a flood zone - it's just a question of whether you live in a low, moderate, or high-risk area.įlood zones are NOT the same as evacuation zones, though they are often mistaken for each other. It’s important to know that just because an area is designated as X zone does not mean that the area will never flood. The X zone (also known as “low–risk flood zone”) is an area outside of the Special Flood Hazard Area. The phrase “1 percent annual chance flood” is more accurate. It has nothing to do with calendar years. That means a flood could happen this year and again the next year. ![]() The Special Flood Hazard Area is an area that has a 1 percent chance, or a 1 in 100 chance, of a flood happening in any given year. ![]() People sometimes hear the phrase “100-year” flood and think a flood happens only once in one hundred years. Zones A, AE, AH, AO, and VE are all considered to be Special Flood Hazard Areas. These zones are depicted on a community's Flood Insurance Rate Map (FIRM), and reflect the severity or type of flooding in the area. Flood Insurance Rate Maps (FIRMs), are used to determine flood insurance premium rates and some building code requirements. Special Flood Hazard Areas (SFHA) are defined as the area that will be inundated by the flood event having a 1-percent chance of being equaled or exceeded in any given year.įlood hazard areas identified on the Flood Insurance Rate Map are identified as a Special Flood Hazard Area (SFHA). The most common flood zones in Martin County are: A, AE, AH, AO, VE, X and X (shaded). Every structure is in a flood zone, but not all flood zones are Special Flood Hazard Areas. Other Government & Constitutional Officesįlood zones are geographic areas that FEMA has defined according to varying levels of flood risk. ![]()
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