Flood Protection

In 1968, Congress created the National Flood Insurance Program (NFIP) to provide affordable flood insurance to people who live in areas with the greatest risk of flooding; these areas are called Special Flood Hazard Area (SFHA). The NFIP makes federally backed flood insurance available in communities that agree to adopt and enforce floodplain management ordinances to reduce future flood damage. This is important since property owners must purchase flood insurance for property located within a SFHA.

Community Rating System

The Community Rating System (CRS) is a program developed by the Federal Insurance and Mitigation Administration to provide incentives for NFIP communities that implement more stringent floodplain standards than the minimum NFIP requirements. The CRS rewards these efforts with discounts on flood insurance premiums.

Flood Insurance

In North Miami, there are over 6,000 flood insurance policies in effect. The City’s CRS Class 6 rating generates over $1 million in savings on flood insurance premiums. Since flooding is the most common natural disaster, it is important that you obtain the maximum protection. You can purchase flood insurance no matter where you reside and there is no exclusion based on the type of ownership you represent (i.e. homeowner, renter or business owner).

Information Regarding Flooding

Since protecting your property from floods is important, the following information and tips may be of interest to you. Please refer to this fact sheet in the event of an approaching hurricane, tropical storm or notification of heavy rainfall. During extended periods of heavy rainfall, low lying areas within the City are subject to flooding. This information is offered to help protect your property and reduce potential losses due to flooding. To find more information about flood hazards, contact the Floodplain Manager at 305-895-9820.

Discount

Did you know that North Miami homeowners receive a 20% discount on flood insurance? Because of the city of North Miami’s rating under the National Flood Insurance Program’s (NFIP) Community Rating System, policy holders who live in a Special Flood Hazard Area have enjoyed a 20% discount on their flood insurance premiums.