Miami has a very distinctive geographical position given that major water bodies surround the county. The city rests on averages at around 6 ft. above mean sea level in most neighborhoods, especially near the coast. These characteristics make it more susceptible to flood disasters from rain or storm events, specifically during hurricane season. It is extremely important to be prepared for flooding no matter in what area of Miami Dade you live.
Here is some useful information on how to protect your property against damage and loss:
Protect your Property
If you live in an area that has a high flood risk, elevate the water heater and electric panel in your home. Avoid the risk of more damage due to electrocution or shock. It is highly recommendable to install check valves, which prevent floodwater from backing up into the drains of your property. Consider using flood-resistant materials on exterior surfaces. In the event of an emergency, sandbags can be used to protect structures, and elevating or covering furniture and valuables can help minimize water damage.
Flood Insurance Coverage
Since property insurance does not typically cover flood damage, it’s important to contact your insurance provider to learn about your policy and consider if you need additional coverage. Most probably, if your property is located under a risk flood zone you might need to add flood coverage to your insurance plan.
Miami Dade Residents who are located under a flood zone and purchase a flood insurance policy receive a 25% discount to the insurance policy rate.
In the event you need a Flood Zone Determination for mortgage or insurance purposes, please call the Miami Dade County Flood Zone Hotline at (305)372-6466. To find more information, you may also visit the county website.
Flood Zone Designations
The Federal Emergency Management Agency’s (FEMA) has created flood zone designation maps that help determine insurance policy rates according to the location and hazard level of your property.
Zone A is the flood insurance rate zone determined by approximate methods, as no Base Flood Elevations (BFEs) are available for these areas. Mandatory flood insurance purchase requirements apply.
Zone AE is the flood insurance rate zone that corresponds with flood depths greater than 3 feet. Mandatory flood insurance purchase requirements apply.
Zone AH is the flood insurance rate zone that corresponds to areas of shallow flooding with average depths between 1 and 3 feet. Mandatory flood insurance purchase requirements apply.
Zone VE is the flood insurance rate zone that corresponds to coastal areas that have additional hazards associated with storm waves. Mandatory flood insurance requirements apply.
Zone X and Zone X-500 are flood insurance rate zones that are outside the flood plain or with average flood depths of less than 1 foot. Flood insurance purchase is not mandatory.
To find out if a property is located within a Special Flood Hazard Area or Flood Zone call the Miami Dade County Flood Zone Hotline at (305) 372-6466 and the precise flood zone designation will be confirmed.