For more information regarding Elevation Certificates or the City Substantial Improvement regulations, please contact the Planning & Redevelopment Department at (813) 749-1123 or search map by address. FEMA flood zone maps, known as Flood Insurance Rate Maps (FIRMs), show areas of high and moderate to low flood risk. The City of Oldsmar provides copies of Elevation Certificates. Does have a base flood elevation established. Zones A, AE, A1-A30, AH, AO These areas have a 1 chance of annual flooding and a 26 chance of flooding over 30 years. AE (lavender) - Special Flood Hazard Area that is high risk for flooding and typically requires flood insurance. Zones B, C, and X These are flood zones with a less than 1 chance of flooding each year. This rule means that if your house is in a flood zone and is damaged and/or improved to an amount greater than 50% of its market value, it will have to be raised to meet the current elevation requirement. Here is a break-down of the various flood zones in which you may find a property located. If the Certificates shows that your house is lower than the required elevation, then the so-called "50% rule" would apply to your house. Elevation Certificate FEMA - Fact Sheet. These Certificates are required for all new construction, as well as for construction projects that involve making substantial improvements to a structure.Īn Elevation Certificate is an important document that everyone homeowner should have, and in case of a disaster, would demonstrate to City authorities that your house is at or above the required elevation. Flood insurance is often required by mortgage lenders when properties are located in federally designated high-risk flood zones or floodplains. Indian River County Flood Zone Maps National Flood Insurance Program (NFIP) Website. Once you have determined that your house lies in a flood zone, an Elevation Certificate can then tell you how high your house was built in relation to that flood zone. Average cost of flood insurance in Florida.
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