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 What Property Owners Should Know

Flood Insurance
  • Most Homeowner's insurance does not cover flood damage.
  • There is typically a 30-day wait after the purchase of a flood insurance policy before it becomes effective.
  • Properties located in low or moderate risk flood zones (marked B, C, X or shaded X on the flood maps) can and still do flood. Property owners may be eligible to purchase a Preferred Risk flood insurance policy at reduced premiums.
  • Historically, 20-25 percent of all flood claims paid out are on properties located outside of high risk areas, known as Special Flood Hazard Areas (SFHAs).
  • The higher up a property owner raises their structure above the base flood elevation in high risk areas (to a certain limit), the lower their insurance premiums will be.
    • A property owner in a high risk area could save as much as 50 percent in premium payments by building just two to three feet above the base flood elevation.
  • Renters and owners can purchase flood insurance in our area through the NFIP and many can qualify for Community Rating System (CRS) discounts. 

 Federal Regulations


Flood insurance is required for all structures located in a SFHA that carry a home mortgage loan backed by a federally-regulated lender or service as stipulated in The Flood Disaster Protection Act of 1973 and the National Flood Insurance Reform Act of 1994.

To learn more about the NFIP visit the National Flood Insurance Program consumer website.


 Contact Us

Call the Sarasota County Call Center at 941-861-5000 and ask for Flood Map updates. 
Hours of Operation are Monday through Friday 8 a.m. to 5 p.m. except on holidays.   

 ​Flood Safety


Floods are the most common and recurring natural disaster in the local area as well as the rest of the nation.

Being flood smart includes protecting your property before floods occur.

  • Even if flood insurance is not federally required, that does not mean that you are safe from flooding.
  • Heed evacuation warnings.
  • Do not drive in flooded conditions: Turn Around Don’t Drown.
  • Be sure that major appliances, electric switchboxes, outlets, and heating equipment are well above potential flood levels.

 ​Hurricane Evacuation Zones

Your hurricane evacuation zone and FEMA flood risk zones are different.
There is some similarity between lettering (for example A, B, C), but they are not the same.

They are determined very differently and have different meanings.
Flooding can occur throughout the county because of low areas, bodies of water, and the way water runs off land.

These areas might not be in a hurricane evacuation zone because of their distance from the coast and other factors.

Sarasota County, Florida
TTY: 7-1-1
or 1-800-955-8771
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