THIS SITE IS YOUR RESOURCE FOR FLOOD AWARENESS ON MIAMI BEACH!
website and the Flood Awareness Guide were created to be your
source to help reduce flood risk in Miami Beach. They provide knowledge
and information for us all to plan and prepare, and act and adapt to reduce flood risk now and for years to come as a coastal community.
Learn more about Miami Beach’s Resiliency Communications Plan here.
following fact sheets were created to provide focused information about flood
risk and ways to reduce that risk. They share overall knowledge about the National
Flood Insurance Program as well as important tips for target audiences like
renters and prospective property owners.
Miami Beach is a coastal community. Our sunkissed island is
surrounded by the beautiful waters of the Atlantic Ocean and Biscayne Bay. We
want you to be aware of flood risk from major rain events and storm surge, but
also know that Miami Beach is leading the way locally and nationally to reduce
Miami Beach, like much of Miami-Dade County, lies close to sea
level and its underground water supply is just below the ground surface.
Therefore, major rain events and King-Tides sometimes
leave rainwater nowhere to drain, causing occasional flooding.
Miami Beach is investing in public infrastructure to reduce flood
risk associated with rainfall, storms and sea level rise. The city is raising
roads, installing Stormwater pumps, raising sea walls, and creating higher
elevation standards for new and substantial improvements. To read more about this, see Rising Above the Risk that covers
Frequently Asked Questions (FAQs).
For more information on flood protection and related topics at the
national level, please visit FEMA.
Miami Beach Stormwater Pump Station Upgrades.
your Property with Flood Insurance
93% of buildings in Miami Beach are located in a
Special Flood Hazard Areas (SFHA) as mapped by Federal Emergency Management
Agency (FEMA) Because of this; flood insurance is required for federally back
mortgages, and recommended for all properties.
FEMA’s detailed digital flood hazard maps reflect current
flood risks for Miami Beach. The maps, also referred to as Flood Insurance Rate
Maps (FIRMs), illustrate flood hazards throughout the Miami-Dade County and are
used when determining flood insurance policy rates. View the Flood Zone
Miami-Dade County's interactive web tool. Once you navigate to this web
tool, enter your address to view the map for your area. For confirmation of
your property's official flood zone designation, call 305-673-7610, or call your insurance
agent. Homeowner’s insurance policies do
not cover damages and losses due to flooding. The City of Miami Beach
participates in the National Flood Insurance Program (NFIP) that makes flood
insurance available to everyone in the City. We strongly urge you to buy flood
insurance to protect yourself from a devastating loss. Information about flood insurance
policies should be available to you through your insurance agent. Call your
insurance agent now so that you will be prepared for future events. Do not wait
for a disaster. Keep in mind there is a standard 30-day waiting period, from
the date of purchase, before a new flood policy goes into effect.
The Adaptation Calculator
Adaptation Calculator is an online tool to help you visualize the relationship
between your property and your street by telling you if, and how many inches,
the road will be elevated to reduce flood risk, keeping in mind
there will be a gradual slope harmonizing an elevation with your private
property. This is useful to help you understand right-of-way construction
while considering your own personal property needs. http://gis.miamibeachfl.gov/calculator
Please note that
accurate user data entry is important to produce a correct report. Please
contact the City’s GIS Team at 305.673.7000 with any questions.
Cost of Flood Insurance
The National Flood Insurance Program distributes
letters to policy holders regarding property flood risk and how flood risk will impact what they pay for flood insurance. For
some, having an Elevation Certificate may lead to lower flood insurance
costs immediately or in the future. The following link provides letters
that NFIP policyholders will be receiving each year, starting January 2017: https://www.fema.gov/cost-flood-policyholders
Harbour during a sunny day tidal flooding event in 2013. Note this is before the stormwater
Harbour after the stormwater infrastructure upgrades.
Saves You Money on Flood Insurance
City of Miami Beach saves residents and businesses $6 million a
year on flood insurance premiums through participating in the Community Rating
System (CRS) of the National Flood Insurance Program (NFIP). CRS provides
incentive for a community goes beyond the NFIP’s minimum requirements to reduce
flood risk. The CRS is a voluntary incentive program that rewards community
actions that reduce flood risk through discounted flood insurance rates.
Currently, City of Miami Beach is Class 6 in CRS; as a result, the property
owners in City of Miami Beach are entitled up to 20% discount on Flood
Insurance Policies. See this Fact Sheet for more
information on Flood Insurance.
Be Smart if You See Flood Waters!
Stay safe- avoid driving through or coming in contact with flood
waters. Six inches of fast flowing water can knock you off your feet and less
than a meter of water can float car.
Flood water can be contaminated with sewage or other pollutants. There could also be hazards below the
surface, like debris, that you cannot see.
Make sure you are tuned into Miami Beach social media and local weather
alerts. Report any flooding to the city via the e-Gov app or by calling
Creek Blvd flooding, prior to infrastructure upgrades.
Keep your Home and Belongings Dry
There are many simple ways a homeowner can reduce the risk of
flood damage. Consider elevating
important appliances, like washers and dryers. Choose materials such as tile
flooring as opposed to wood, that are resistant to water damage. You can also redirect rain and flood waters
through techniques like elevated driveway edges. If you lease your property or
business, we recommend discussing your flood protection options with your
landlord or property owner.
Build Resiliently and Know Your Elevation
If you are
considering renovation, build resiliently and sustainably! Follow the Florida
Building Code and the City of Miami Beach Code to reduce your flood risk. We suggest contacting a professional
architect or engineer for advice on how to integrate resilience,
sustainability, and flood protection into your design. The city participates in the Property Assessed
Clean Energy (PACE) program. PACE is a
financial platform that eliminates the barrier of
high upfront costs by allowing property owners to pay off energy efficient and storm mitigation
home improvements through an
assessment on their
property tax bill.
An Elevation Certificate is an important document that
every homeowner should have, and in case of a disaster, would demonstrate local
authorities that your house is at or above the required elevation. An
elevation certificate will not
only tell you how high your house was built in relation to that flood zone but can
potentially lower your insurance premiums. Miami Beach has been collecting the Federal Emergency Management Agency (FEMA)
Elevation Certificate that
is prepared by a professional land surveyor on behalf of home
builders/developers since 1995 as they are required for all new construction
and substantial improvements to a structure. Click here for a list of addresses with available
If the elevation certificate shows that the lowest floor
of your house is lower than the required flood design elevation, then the
substantial improvement "50% rule" would apply to your house. This
rule means that if your house is in a flood zone and is damaged and/or improved
to an amount greater than 50% of its building market value, the lowest floor will
have to be raised to meet the current elevation requirement.
Natural Systems Protect Us Against Floods
vegetation and coral reef systems are two important elements in storm
protection. These natural flood barriers serve as the first line of coastal
defense by buffering wave energy, blocking storm surge, and protecting coastal
infrastructure. Open green space and natural low-lying areas can help with
drainage. Landscaping can be designed to flood during rain events or high
Have a plan! South Florida
can experience flooding from hurricanes and King Tides.
Know your evacuation
routes in the case of a
storm, and how to protect yourself and your loved ones.
Keep it Clean!
Don’t litter! Keep storm
drains clear of litter and debris to prevent flooding and keep Biscayne Bay
clean. Report issues to the free Miami Beach e-Gov app or call 305.604.CITY.
available for properties that have experienced damage. Learn more by contacting
the Grants Office at 305.673.7510.
Miami Beach is Here to Help
Building Department offers free technical assistance to identify ways to reduce
flood hazards. Call 305.673.7610 to learn more.
sea level rise?
Miami Beach and its challenges with
sea level rise are a common theme in global conversations regarding climate
change. As a low lying coastal city, our geographic location and topography
make us inherently vulnerable to flooding, storm surge, and other climate
change impacts. The City is working
diligently to convert these challenges into opportunities, starting with
adaptation initiatives such as the installation of pump stations, rising of
roads, and other innovative drainage improvements that are informed by the
latest scientific data provided by the Southeast Florida Climate Change
important to note that any personal property improvements to reduce flood risk
will also reduce risk in the future as sea levels continue to rise.
on the Unified Sea Level Rise Projection can be found at: http://www.southeastfloridaclimatecompact.org/
Are you a real estate agent?
of Miami Beach has developed an informational fact sheet for you to share with prospective
property owners. The fact sheet
highlights information about flood risk and flood insurance, along with
resources to reduce personal risk and how the city is reducing risk through
public infrastructure improvements.
websites and links:
Zone Determination: http://gisweb.miamidade.gov/floodzone/
Real Time Rain Data: https://www.sfwmd.gov/weather-radar/rainfall-historical/daily
Time Biscayne Bay Tides Data: https://tidesandcurrents.noaa.gov/noaatidepredictions.html?id=8723165
Surge Planning Zone & Map: http://www.miamidade.gov/fire/storm-surge.asp
Florida Climate Change Compact: www.southeastfloridaclimatecompact.org
Flood Insurance Program: www.floodsmarts.gov
Red Cross: www.redcross.org
Institute for Business & Home Safety: http://disastersafety.org/flood
Florida Division of Emergency Management: http://www.floridadisaster.org/Mitigation/SFMP/Index.htm
Protection Resource Publications:
Below you will find links to copies of FEMA publications on flood protection. This
documents are also available at Miami Beach and County Public Library branches.
Above the Flood: Elevating Your Floodprone House, FEMA-347, 2000
2. Answers to Questions About the
National Flood Insurance Program, F-084, 2011
3. Coastal Construction Manual,
4. Elevated Residential
Structures, FEMA-54, 1984
5. Protecting Manufactured Homes
from Floods and Other Hazards, FEMA P-85, 2009
6. Mitigation of Flood and Erosion
Damage to Residential Buildings in Coastal Areas, FEMA-257, 1994
7. Protecting Building Utilities
from Flood Damage, FEMA P-348, 1999
8. Protecting Floodplain Resources,
9. Reducing Damage from Localized
Flooding, FEMA 511, 2005
10. Openings in
foundation walls for buildings located in special flood hazard areas in
accordance with the National Flood Insurance Program.
11. Answers to
questions about substantially damaged buildings.
12. FEMA 15,
Design Guidelines for Flood Damage Reduction (1981)
Losses in High Risk Flood Hazard Areas
14. Non-residential floodproofing :
requirements and certification for buildings located in special flood hazard
areas in accordance with the National Flood Insurance Program.
requirements for buildings located in coastal high hazard areas in accordance
with the National Flood Insurance Program.
materials requirements for buildings located in special flood hazard areas in
accordance with the National Flood Insurance Program.
guide to retrofitting : six ways to protect your house from flooding.
18. Home builder's
guide to coastal construction technical fact sheet series.
parking requirements for buildings located in special flood hazard areas in
accordance with the National Flood Insurance Program.
20. Youth preparedness : guide to risk
management for youth preparedness programs.