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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.
Everyone within Hernando County has access to the most accurate and
up-to-date information about flood hazards, the new maps are available for
public view at http://www.msc.fema.gov
and a similar map can be viewed at
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.
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.
All locations can flood,
people outside the high risk areas file over 20% of NFIP clams
and receive 1/3 of disaster assistance for flooding.
HERNANDO COUNTY *,
Community ID #120110,
Current Effective Flood Map 02/02/2012, CRS Class 6
Number of Communities under
Community Rating System (CRS) by Class as of May 1, 2012 :
Class 9 = 215 (17%)
Class 8 = 461 (38%)
Class 7 = 282 (23%)
Class 6 = 176 (14%)
Class 5 = 66 (5.4%)
Class 4 = 7 (0.6%)
Class 3 = 0
Class 2 = 3 (0.2%)
Class 1 = 1 (0.08%)
There are 1211 CRS communities as of May 1, 2012.
Almost 18% of all participating communities are in Florida.
Note: The lower the Class number; the better the rating.