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.

Show All Answers

1. What is Flood Preparedness?
2. How to Obtain Floodplain Information
3. What is a Local Flood Hazard?
4. What is a CRS Discount?
5. Why is Flood Insurance Required?
6. How Can You Protect your Property?
7. What are the National Substantial Improvement Requirements?
8. Is there Financial Assistance for Property Protection?
9. What is Flood Warning System and Flood Mapping Information?
10. What is Drainage System Maintenance?
11. What is the Flood Safety Checklist?
12. Is there any additional disaster information?
13. What about Severe Storm or Flood Warnings?
14. What are the Flood Insurance Rate Zone Definitions?
15. What are the Flood Basics?
16. Do homeowner insurance policies cover damage from rising water?