This means that if the combined cost of improvements equals or exceeds 50% of the market value of the structure before the start of construction, then the building will be considered as substantially improved and be treated as a new structure and be required to meet the Florida Building Code requirements for new structures.Įach year, more deaths occur due to flooding than from any other severe weather-related hazard. The requirement also applies to buildings that are substantially damaged. The NFIP defines “substantial improvement” as any reconstruction, rehabilitation, addition or any other improvement of a structure, the cost of which equals or exceeds 50% of the market value of the structure before the start of construction. Substantial Improvement and Substantial Damage – the 50% rule Photograph and list your possessions for claim purposes and store the information in a safe place. It is recommended that residents speak with their insurance provider concerning adequate coverage for flood events, Properties outside of a flood zone can still flood. Many insurance policies have a waiting period. Flood insurance is available for both buildings and contents. A flood insurance policy is required to cover flood damage. Homeowner insurance does not cover flood damage. Please contact 72 ext.1309 to speak with the Floodplain Coordinator. Staff can also review elevation certificates. The part of the coastal SFHA referenced by building codes and standards where wave heights can be between 1.5 and 3 feet during a base flood event.Įlevation certificates for existing properties are available by request, depending on availability. The LiMWA marks the inland limit of the Coastal A Zone. The area determined to be outside the 500-year floodplain.įlood maps in coastal areas may include a line called the Limit of Moderate Wave Action (LiMWA). Usually depicted on FIRMS and DFIRMS as above the 500-year flood level. Also known as the area of 0.2% annual chance flood hazard.Īrea of minimal flood hazard. Mandatory flood insurance purchase requirements and floodplain management standards apply.Īrea of moderate flood hazard, usually the area between the limits of the 100-year and the 500-year floods. Mandatory flood insurance purchase requirements and floodplain management standards apply.Īreas subject to inundation by the 1% annual chance flood event with additional hazards due to storm induced velocity wave action. Because detailed hydraulic analyses have not been performed no base flood elevations (BFEs) or flood depths are shown. Mandatory flood insurance purchase requirements and floodplain management standards apply.Īreas along coasts subject to inundation by the 1% annual chance flood event with additional hazards associate with storm induced waves. Mandatory flood insurance purchase requirements and floodplain management standards apply.Īreas subject to inundation by the 1% annual chance flood event determined by detailed methods. Because detailed hydraulic analyses have not been performed, no base flood elevations (BFEs) or flood depths are shown. If the address is not located in a blue or tan layer the address is not located within a flood zone.įlood Zones within the City of Safety Harbor:Īreas subject to inundation by the 1% annual chance flood event generally determined by using approximate methodologies. You can also source flood zone definitions below.ĥ. You will want to refer to the legend below the map provided for details. If your address is located within a blue or tan layer, your property is located in a flood zone. A map will be generated indicating the location of the address provided as well as any flood zone information for the property and surrounding area.Ĥ. Then enter the address you want to confirm and click select.ģ. Click the link above or copy and paste it into your web browser.Ģ. To confirm if you are located in a Special Flood Hazard Area (SFHA) follow these steps ġ. The City of Safety Harbor City Commission adopted the revised FIRM mapĪ link to the FEMA Flood Map Service Center web site showing the current FIRM maps is below. The changes are based on revised coastal flood modeling and may affect owners of properties susceptible to flooding from the Gulf, Tampa Bay, and inland areas near waterways connected to the Gulf or Bay. The Federal Emergency Management Agency (FEMA) updated the Pinellas County Flood Insurance Rate Maps (FIRMs), including the maps within the City of Safety Harbor. The City of Safety Harbor offers FEMA flood map determinations on property located within the city. To find out more about flood insurance, visit contact your insurance provider. This discount is available for both property owners and renters. Safety Harbor residents receive a discount for the purchase of flood insurance offered by the NFIP. The City of Safety Harbor is a participant in the National Flood Insurance Program Community Rating System (CRS).
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