If you want to know if your parcel is in the Special Flood Hazard Area for unincorporated Flagler County, you can go online at the Flagler County Property Appraiser’s web site (once the address is verified and the parcel record is displayed, click on the ‘View Map’ hyperlink below the Parcel Summary header. The County’s evacuation zones are labeled A through F to coincide with the potential storm surge. The National Hurricane Center uses ground elevation and historical vulnerability data to model potential storm surge. This rise in water level can cause extreme flooding in coastal areas particularly when storm surge coincides with the normal high tide, resulting in storm tides reaching up to 20 feet or more in some cases. Storm surge is an abnormal rise of water generated by a storm, over and above the predicted astronomical tides. Evacuation ZonesĬurrent evacuation zones were created by modeling hurricane storm surge. Even if your parcel is not within a Special Flood Hazard Area, the purchase of flood insurance is advisable: the annual premium is minimal compared to the benefit if a covered loss occurs.

Flood damage covered under the policy – whether or not a federal disaster declaration is made – will be reimbursed per the policy limits, which can include structural damage or the loss of contents. The National Flood Insurance Program makes federally backed flood insurance available to residents and business owners. By law, all homes carrying a mortgage in a high risk zone must be covered by flood insurance.įor more information on Flood Zones in unincorporated Flagler County, please call (386) 313-4009 or email Flood Insuranceįlood losses are not usually covered by normal homeowner’s insurance policies.

To get an accurate determination for your parcel, please contact your insurance company or local floodplain manager. These maps are continually being updated due to changes over time. But just because your parcel is not within a high risk zone does not mean that your parcel will not flood.įlood Insurance Rate Maps (FIRMs) will generally show a community’s base elevations and flood zones. Areas of moderate to low risk – referred to as Zone X – comprise the majority of the County, and are identified as areas between the limits of the 100-year and 500-year floods. These zones are also known as high risk zones. The same can be said for Zones V and VE along the Atlantic Ocean coastline. For example, a parcel in Zones A and AE will have a 1 percent annual chance of flooding, or a 26 percent chance of flooding over the life of a 30-year mortgage. An area designated as a Special Flood Hazard Area will have a greater frequency – and a greater annual probability – that a flood will occur. Areas of special concern are those identified as Special Flood Hazard Areas (SFHAs) on FEMA’s Flood Insurance Rate Maps (FIRMs). Zones are categorized by their risk for flooding and represented by letters on a map. The Federal Emergency Management Agency (FEMA) maps flood zones for the National Flood Insurance Program (NFIP). Residents are encouraged to learn if they live in a flood zone, evacuation zone, or both. A structure not in an evacuation zone may still be at risk for flooding. Flood zones and evacuation zones are different.

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