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|Flood Maps: A Risk Management Must
Flood hazard maps, also known as Flood Insurance Rate Maps
(FIRMs), are important tools in the effort to protect lives and properties
in Hernando County. By showing the extent to which areas of the county — and
individual properties — are at risk for flooding, flood maps help business
and property owners make better financial decisions about protecting their
property. These maps also allow community planners, local officials,
engineers, builders and others to make important determinations about where
and how new structures and developments should be built.
To ensure that everyone within Hernando County has access to the most
accurate and up-to-date information about flood hazards, the new maps are
being made available for public view and review.
A Better Picture of Flood Hazards
Over time, water flow and drainage patterns have changed
dramatically due to surface erosion, land use and natural forces. The
likelihood of inland, riverine and coastal flooding in certain areas has
changed along with these factors. New digital mapping techniques will provide
more detailed, reliable and current data on county flood hazards. The
result: a better picture of the areas most likely to be impacted by flooding
and a better foundation from which to make key decisions.
The flood map modernization project is a joint effort between Hernando
County, the Southwest Florida Water Management District and the Federal Emergency Management Agency (FEMA), in cooperation
with municipal, association and private sector partners.
Flood Insurance Requirements and Options
When the new maps are adopted, flood insurance requirements will change.
However, options exist that will allow property owners to save money while
still protecting their property.
If Maps Show…
These Requirements, Options And Savings Apply
Change from low or moderate flood risk to high risk
Flood insurance is mandatory. Flood
insurance will be federally required for most mortgage holders.*
Insurance costs may rise to reflect the true (high) risk.
Grandfathering offers savings. The
National Flood Insurance Program (NFIP) has “grandfathering” rules
to recognize policyholders who have built in compliance with the
flood map or who maintain continuous coverage. An insurance agent
can provide more details on how to save.
Change from high flood risk to low or
Flood insurance is optional, but
recommended. The risk has only been reduced, not removed.
Flood insurance can still be obtained, at lower rates. Twenty-25
percent of all flood insurance claims come from low- to
Conversion offers savings. An existing
policy can be converted to a lower-cost Preferred Risk Policy.
No change in risk level
No change in insurance rates. Property
owners should talk to their insurance agent to learn their specific
risk and take steps to protect their property and assets.
Flood Risks and Flood Zones
Flood maps refer to areas of high, medium or low risk as “flood hazard
zones” and the zones of highest risk as “Special Flood Hazard Areas.”
Flood Hazard Zone
High Flood Risk
AE, A, AH or AO Zone.
These properties have a 1 percent chance of flooding in any year —
and a 26 percent chance of flooding over the life of a 30-year
or V Zone. These
properties have a 1 percent chance of flooding in any year and
also face hazards associated with coastal storm waves.
note: High-risk areas are
called Special Flood Hazard Areas, and flood insurance is
mandatory for most mortgage holders.
Low or Moderate Flood Risk
Shaded X Zone.
These properties are outside the high-risk zones. The risk is
reduced but not removed.
Zone. These properties
are in an area of overall lower risk.
preferred rate flood insurance policies (known as Preferred Risk
Policies) are often an option in these areas.
HERNANDO COUNTY *
Current Effective Map 04/17/84
CRS Class 7
(CRS Class 6 rating pending Oct
Number of Communities
under Community Rating System (CRS) by Class as of May 1, 2006
- Class 9 = 310 (30%)
- Class 8 = 418 (40%)
- Class 7 = 203 (20%)
- Class 6 = 72 (7%)
- Class 5 = 32 (3%)
- Class 4 = 1 (Fort Collins, CO)
- Class 3 = 1 (King County, WA)
- Class 2 = 1 (Tulsa, OK)
- There are 1038 CRS communities as of May
Note: The lower the Class
number; the better the rating.