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Personal Flood Preparations
Flood Insurance
Most homeowner's insurance policies do not cover damages and losses due to floods.
Flood insurance is mandatory to secure a federally guaranteed mortgage in a SFHA.
Based on the City of South Miami's participation in the Community Rating System (CRS), which requires the implementation of local mitigation, outreach, and educational activities that go well beyond minimum NFIP requirements, and by the city scoring the points that nominates it as a Class 8 community, the properties in the city's special flood hazard areas (SFHAs) are eligible for a discount of 10%.
Find out more about flood insurance and related issues by accessing FEMA's information on the National Flood Insurance Program and the community rating system. Flood Proofing
You should prepare your own emergency list of activities and procedures in the event of a pending flood, tropical storm, or hurricane, in order to secure your property and possessions. Information is available at your local library and the Division of Emergency Management.
You can also take action now to permanently secure your property and possessions by "flood proofing" or making physical alterations that improve the ability of property and structures to withstand damages caused by flooding.
Hurricane storm shutters are a requirement for new buildings in Dade County. You can take action now to secure your property by the use of storm shutters. Installation does require a building permit, but the procedure is simple.
Property owners can take other measures to secure their investment in physical property. Raised levees (landscaped berms), floodwalls (which surround functional patio areas), and elevated platforms for air-conditioning units can reduce risk and actual damage during flooding.
Property owners may wish to raise (elevate) or relocate structures prone to flood damage. This can include a backyard shed, outbuilding, the main house, or portions of any structure. Such activities can also reduce insurance premiums in the special flood hazard area.
Dry Flood Proofing
Flood proofing includes sealing or waterproofing with special materials and compounds which provide a chemical or physical barrier against water intrusion during inundation by floods.
Building permits are required in order to insure safe and proper installation of flood proofing measures, including any "dry flood proofing".
More information on methods of protection and flood proofing including federal publications are available at the Planning and Zoning Department and the South Miami Branch Public Library.
Most homeowner's insurance policies do not cover damages and losses due to floods.
Flood insurance is mandatory to secure a federally guaranteed mortgage in a SFHA.
Based on the City of South Miami's participation in the Community Rating System (CRS), which requires the implementation of local mitigation, outreach, and educational activities that go well beyond minimum NFIP requirements, and by the city scoring the points that nominates it as a Class 8 community, the properties in the city's special flood hazard areas (SFHAs) are eligible for a discount of 10%.
Find out more about flood insurance and related issues by accessing FEMA's information on the National Flood Insurance Program and the community rating system. Flood Proofing
You should prepare your own emergency list of activities and procedures in the event of a pending flood, tropical storm, or hurricane, in order to secure your property and possessions. Information is available at your local library and the Division of Emergency Management.
You can also take action now to permanently secure your property and possessions by "flood proofing" or making physical alterations that improve the ability of property and structures to withstand damages caused by flooding.
Hurricane storm shutters are a requirement for new buildings in Dade County. You can take action now to secure your property by the use of storm shutters. Installation does require a building permit, but the procedure is simple.
Property owners can take other measures to secure their investment in physical property. Raised levees (landscaped berms), floodwalls (which surround functional patio areas), and elevated platforms for air-conditioning units can reduce risk and actual damage during flooding.
Property owners may wish to raise (elevate) or relocate structures prone to flood damage. This can include a backyard shed, outbuilding, the main house, or portions of any structure. Such activities can also reduce insurance premiums in the special flood hazard area.
Dry Flood Proofing
Flood proofing includes sealing or waterproofing with special materials and compounds which provide a chemical or physical barrier against water intrusion during inundation by floods.
Building permits are required in order to insure safe and proper installation of flood proofing measures, including any "dry flood proofing".
More information on methods of protection and flood proofing including federal publications are available at the Planning and Zoning Department and the South Miami Branch Public Library.