- What is Flood Preparedness?
If your property is in or near an area subject to flooding, the following information may be of interest to you. This information is offered by the City of Deltona (the City) to help protect your property and to potentially reduce property losses due to flooding. The City is dedicated to assisting our residents and businesses to reduce the hazardous effects of flooding in our community with efforts that are in keeping with those established on a national basis through FEMA.
Residents living outside of Special Flood Hazard Areas (SFHA) are encouraged to stay educated on the most current FEMA and local regulations concerning floodplain management, as well as have the opportunity to purchase SFHA-oriented insurance coverage. This information is designed to provide guidance to resources available for those with property within or near areas of flooding or have one of the four repetitive loss properties in the City. The repetitive loss properties have either been flooded repeatedly, had flood waters encroach onto their property frequently, or are in or near a flood zone that has a high incidence of flooding.
The information included is to help protect your property and to potentially reduce property losses due to flooding. The City is dedicated to assisting our residents and businesses to reduce the hazardous effects of flooding in our community, with efforts that are in keeping with those established on a national basis through FEMA.
- How to Obtain Floodplain Information
The City Planning and Development Services Department at 386-878-8600, provides Flood Insurance Rate Map (FIRM) information through being the repository for the FIRM maps and having online access to the maps. We typically provide this information to individuals, lenders, insurance agents, real estate agents, and homeowners. Elevation Certificates are often requested to be reviewed and are on file and available upon request through the City Building Department at 386-878-8100 that show finished construction elevations for all newly constructed or substantially improved buildings. To determine if your property is in or near an SFHA, or for help with interpreting the FEMA FIRM panels, please contact the City Planning and Development Services Department at 386-878-8600.
- What is a Local Flood Hazard?
An SFHA is a national concern for properties within established 100-year floodplain zones and those near the floodplain. This is especially prevalent in the City following the four hurricanes in 2004 and Tropical Storm Faye in 2008, which caused tremendous flooding. As a result, the City has been diligently undertaking stormwater management projects throughout the community to mitigate the potential for future flood impacts and has purchased repetitive loss properties clustered along Beechdale Drive, Springwood Lane, and Ft. Smith Boulevard that was either flooded or within the drainage area.
Nationally, an SFHA area can include 100-year floodplain areas considered as A, AE, AH, or X, depending upon whether the floodplain basin they are within has an established Base Flood Elevation (BFE). Nearly 22% of Deltona is either in an A, AE, or X flood zone, per the recent September 29, 2017 FEMA FIRM maps, with no AH zones present in the City (see the zone definitions below). A common misconception is that SFHAs do not just exist in close proximity to water bodies, low areas, or wetlands, but also near areas of potential floodings, such as closed basins that appear to be uplands.
Residents living along low areas including lakes, dry lake beds, retention areas, forested wetlands, ditches, or within a closed basin may have portions of their lots within an SFHA. It is incumbent upon the property owner to verify the location of the SFHA boundary in relation to their lot.
If you live or own a business in Deltona and have a building within or adjacent to an SFHA, there is a 26% higher risk percentage of being flooded during the timeframe of ownership within a 30-year mortgage period. Inland flooding occurs when rain from storm events, overflows, rivers, streams, lakes, retention areas, and canals.
While the City has regulations and policies in place concerning floodplain management and steering development away from being within the floodplain, residents are encouraged to visit the City and conduct research on their property to take advantage of the technology and information available to them concerning floodplain management. Preferably, property owners will use that information as a reference to located buildings and structures outside of the 100-year floodplain. Thus, development within the 100-year floodplain should use every precaution necessary to mitigate the impacts of that development.
- What is a CRS Discount?
Another measure that the City can assist residents with is helping to keep the cost of flood insurance as low as possible, by participating in the Community Rating System (CRS). The CRS is administered by the National Flood Insurance Program (NFIP), which offers discounts to property owners located in SFHAs, in exchange for certain requirements being met by the City. As responsible floodplain managers, the City has to continually maintain an index of floodplain management within SFHA activities that includes documentation of properties within SFHAs, percentages of land use, preservation of open space, tabulation of data to manage development away from SFHAs, mapping land uses in relation to SFHAs, and public outreach that is designed to educate residents and business owners; such as this webpage.
The City has received a CRS Class 9 rating. The floodplain management activities implemented by the City qualify it for a 5% discount in the premium cost of flood insurance for NFIP policies issued or renewed in Special Flood Hazard Areas on or after May 1, 2015. As the City improves in its tracking and documentation of floodplain management, the potential for increased savings for flood insurance policyholders improves as well.
- Why is Flood Insurance Required?
The Flood Disaster Protection Act requires the purchase of flood insurance to receive federal or federally-backed insurance for acquisition and/or construction of buildings in an SFHA. Homeowner's insurance does not cover flooding; therefore, a separate policy must be purchased.
Under the recently enacted National Flood Insurance Reform Act, the lender is legally responsible for determining if a flood insurance policy is required for a loan. Coverage may be purchased for both the building and its contents. Residences can be insured for up to $250,000 for the building and $100,000 for the contents. Because content coverage is separate, renters can also ensure their belongings up to the same amount. Non-residential buildings can be insured for up to $500,000 for the building and $50,000 for the contents. Since these figures can vary, check with your insurance company for further details.
If you are not in an SFHA and you wish to purchase flood insurance, a Preferred Risk Policy (PRP) is available at a discounted rate. Because these policies already have the lowest premium possible, the CRS discount will not apply. PRP Coverage limits may be $250,000 for the building and $60,000 for the contents.
We hope this has been informative and helpful. For further and updated information, please check the City's website for periodic updates or call the City's Planning and Development Services Department at 386-878-8600.
Visit the following links for additional information:
- Disaster Preparedness Guide (PDF)
- Disaster Supplies Checklist (PDF)
- Local Mitigation Strategy Plan (PDF)
- Volusia County Flood Threat Recognition System (PDF)
- Volusia Countys Floodplain Management Plan (PDF)
- Hurricane Preparedness Contact Information 2022
- Flood Insurance provided by FEMA
- FloodSmart Website
- FEMA Map Service Center
- FEMA's Website
- Emergency Management Section of Volusia County's Website
- Volusia County's Website
- National Oceanic and Atmospheric Administration