Stormwater Section

Osceola County began participating in the National Flood Insurance Program (NFIP) in the year 1982 with the first effective Federal Emergency Management Agency (FEMA) flood map in place. The main objective of the program is to protect citizens life and health; to control the alteration of natural floodplains; and to insure that potential home buyers are notified if a property is located in a flood hazard area. Under the National Flood Insurance Act (42 U.S.C. 4001 et seq.), federally supervised, approved, regulated or insured financial institutions must require flood insurance as a condition of making, increasing, extending, or renewing loans on improved real property or mobile homes located in identified special flood hazard areas.

This applies to conventional home mortgage loans, home improvement loans, construction loans, and/or commercial loans. Participation in the NFIP is based on an agreement between local communities, like Osceola County, and the federal government which states that if a community will implement and enforce measures to reduce future flood risks to new construction in special flood hazard areas, the federal government will make flood insurance available within the community as a protection against flood losses.

Osceola County also participates in The Community Rating System (CRS) which is a program implemented by the Federal Emergency Management Agency (FEMA) to reward communities such as Osceola County which undertake floodplain activities beyond the requirements of the National Flood Insurance Program (NFIP). The CRS is a point system program; the greater the number of points earned by a community the greater the reduction in flood insurance premiums for the citizens of that community.

Osceola County began participation in the CRS in 1994 and currently has earned enough CRS points to be awarded a class 7 rating. This class 7 means that the citizens of Osceola County who have flood insurance are receiving a 15% discount on a flood insurance policy for Special Flood Hazard Areas (SFHA) and a 5% discount for Non-Special Flood Hazard areas (Non-SFHA).

For information on the CRS program and discounts click here.

• Announcements

  • LOMA Tutorials Available Online!
  • Nov 16, 2009
  2009 Elevation Certificate Approved For Use
  Oct 14, 2009 - Effective March 16, 2009
  National Flood Insurance Program Updates from FEMA
  Sep 29, 2009 - Changes Effective October 1, 2009
• FEMA Flood Insurance Rate Maps (FIRM) Panels

• Click here to locate and view image file copies of Osceola County's FIRM Panels.

• Flood Facts

• Click here to learn more about floods, to find out if your home is in a Special Flood Hazard Area, and for Osceola County Public Works Department contact information.

• Flood Insurance Flyers & Information

• Click the link above to download official FEMA flyers and brochures on Flood Insurance.

• Forms and Online Requests
• Online Request Forms

• Visit this section to find request forms that you can fill out online.

• Request Forms

• This section contains printable request forms in PDF and Microsoft Word formats.

• Frequently Asked Questions
• Flood Insurance Policy Questions

• Click here to be taken to the comprehensive list of Flood Insurance Frequently Asked Questions, hosted by the Federal Floodsmart.gov website. (External Link)

• Flood Zone Questions

• Click here to be taken to the comprehensive list of Flood Zone Frequently Asked Questions, hosted by the Federal Floodsmart.gov website. (External Link)

• Glossary of Terms

• Click the link above to visit a detailed Flood Term Glossary, hosted by the Federal Floodsmart.gov website. (External Link)

• LOMA and LOMR-F Tutorial Series

• This tutorial series explains the Letter of Map Amendment (LOMA) and Letter of Map Revision Based on Fill (LOMR-F) application processes, including all necessary forms and information. It also provides users with an online tool to complete portions of the required forms.