All properties located in a Special Flood Hazard Area (SFHA) and secured by a federally backed mortgage must carry flood insurance. The two types of flood insurance coverage are structural and contents. Renters can buy contents coverage even if the owner does not insure the structure. To find out more about flood insurance contact any licensed insurance agent.

Policy Start Date

When purchasing flood insurance, the policy does not go into effect until 30 days after the purchase date. Please visit for the most current information on flood insurance premiums and to locate a flood insurance agent in your area.

Community Rating System

The City of North Miami currently holds a Class 6 Community Rating System (CRS) Rating as of May 1, 2018. This new classification equates to a 20% discount on new or renewing National Flood Insurance Program (NFIP) flood insurance policies for SFHA properties