National Flood Insurance Program

Reducing the Risks of Damage & Loss

This information has been prepared so that you can protect your property from the physical and financial dangers of flooding in your area.  The City urges you to read and take action concerning reducing the risks of damage and loss to you, your family, property and personal possessions.


Flood Hazard Areas

The City of South Miami contains commercial and residential properties that are located in federally designated Special Flood Hazard Areas and these properties will experience the effects of periodic flooding during seasonal rains, tropical storms, and especially hurricanes.

Property in Flood Zones

The city's Planning and Zoning Department can assist you in determining if your property does fall within a Special Flood Hazard Area (SFHA). The department will utilize Flood Insurance Rate Maps (FIRM) provided by the Federal Emergency Management Agency (FEMA) to determine if your property is located within the SFHA.

Revised Flood Zones

Please note that as of September 11, 2009, the City of South Miami flood zones map has been revised and your property may or may not be in a flood zone. Please look at the revised City of South Miami flood zones map to see. If you have any questions, feel free to contact the City of South Miami Planning and Zoning Department.


Community Rating System (CRS)

The national flood insurance program's (NFIP) community rating system (CRS) was implemented in 1990 as a program for recognizing and encouraging community floodplain management activities that exceed the minimum NFIP standards. The National Flood Insurance Reform Act of 1994 codified the community rating system in the NFIP.

Under the CRS, flood insurance premium rates are adjusted to reflect the reduced flood risk resulting from community activities that meet the three goals of the CRS:

  • Facilitate accurate insurance rating
  • Promote the awareness of flood insurance
  • Reduce flood losses

CRS Activities

The City of South Miami (NFIP Number 120658) is credited by the CRS for the following activities:

 CRS Activity Number  Description
 310  Elevation Certificates
 320  Map Information
 330  Outreach Projects
 350  Flood Protections Library
 360  Flood Protection Assistance
 420  Open Space Preservation
 430  Higher Regulatory Standards


More Information

For more information you may contact the Public Works and Engineering Department at 305-403-2063 or via email. More information about flood-related issues is provided on Federal Emergency Management Agency's website.