FEMA flood map boundaries are changing and homeowner insurance rates may be affected
FEMA is redefining flood map areas throughout South Florida, which will affect homeowner insurance rates and may force some Village property owners to purchase flood insurance.
Who is Affected?
About 1,400 Village properties are proposed to be re-designated from lower risk flood zones to a high risk “Special Flood Hazard Area.” This is called an "AE Flood Zone."
Property owners with mortgages for buildings that will be in these new AE Zones will be required by their lender to purchase flood insurance, even on pre-existing mortgages.
The flood insurance rates in AE Zones are higher than the lower risk zones, and owners of buildings that are proposed to be added to the AE Zone should expect to see flood insurance rate increases.
Click the first map below to determine if your property will be added to the AE Zone.
Pink, gray and white areas
- Areas marked in pink are the properties that will soon be added to the AE Zone flood zones. These are the new changes that will soon take effect
- The gray areas are the properties that already are considered to be in flood zones
- The white areas are properties that are not considered to be in a flood zone
FEMA Brochure: What property owners need to know
You can appeal the flood zone map changes
If you believe your property was incorrectly identified as a Special Flood Hazard Area, you may submit an application to FEMA for a formal determination and potential revision. This is called a Letter of Map Change (LOMC) request.
Visit this FEMA webpage to learn how to change your flood zone designation.