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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 http://www.hernandocountygis-fl.us/centralgismap/default.htm?config=configDFIRM.txt 

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 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.”


Risk Level 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 mortgage.

 VE or V Zone.  These properties have a 1 percent chance of flooding in any year and also face hazards associated with coastal storm waves.

 Insurance 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.

 X Zone.  These properties are in an area of overall lower risk.

Insurance note:  Lower-cost 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.


FOR MORE INFORMATION Visit http://www.hernandocounty.us/FloodMap/  to view the new digital flood maps, see the areas that are changing flood zones and learn how Hernando will be affected. Visit www.FloodSmart.gov  for more information about how to protect against flooding and the steps local residents may need to take to ensure that they have proper insurance coverage to protect their investment.