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Osceola Sectional Hero
FEMA Floodplain Program
M - Th: 8am - 5pm
F: 9am - 5pm
1 Courthouse Square,
Suite 1400
Kissimmee, FL 34741

Flood Maps: A Risk Management Must

Flood hazard maps, also known as Flood Insurance Rate Maps (FIRMs), are important tools in the effort to protect lives and properties in Osceola County. By showing the extent to which areas of the county - and individual properties - are at risk for flooding, flood maps help business and property owners make better financial decisions about protecting their property. These maps also allow community planners, local officials, engineers, builders and others to make important determinations about where and how new structures and developments should be built.

A Better Picture of Flood Hazards

Over time, water flow and drainage patterns have changed dramatically due to surface erosion, land use and natural forces. The likelihood of inland and riverine flooding in certain areas has changed along with these factors. New digital mapping techniques will provide more detailed, reliable and current data on county flood hazards. The result: a better picture of the area's most likely to be impacted by flooding and a better foundation from which to make key decisions.

The flood map modernization project is a joint effort between Osceola County and the Federal Emergency Management Agency (FEMA), in cooperation with municipal, association and private sector partners.

Flood Insurance Requirements and Options

When the new maps are adopted, flood insurance requirements will change. However, options exist that will allow property owners to save money while still protecting their property.

If Maps Show... These Requirements, Options, and Savings Apply
Change from low or moderate flood risk to high risk

Flood insurance is mandatory. Flood insurance will be federally required for most mortgage holders.* Insurance costs may rise to reflect the true (high) risk.

Grandfathering offers savings. The National Flood Insurance Program (NFIP) has "grandfathering" rules to recognize policyholders who have built in compliance with the flood map or who maintain continuous coverage. An insurance agent can provide more details on how to save.

Change from high flood risk to low or moderate risk

Flood insurance is optional, but recommended. The risk has only been reduced, not removed. Flood insurance can still be obtained, at lower rates. Twenty-25 percent of all flood insurance claims come from low- to moderate-risk areas.

Conversion offers savings. An existing policy can be converted to a lower-cost Preferred Risk Policy.

No change in risk level

No change in insurance rates. Property owners should talk to their insurance agent to learn their specific risk and take steps to protect their property and assets.

Flood Risks and Flood Zones

Flood maps refer to areas of high, medium or low risk as "flood hazard zones" and the zones of highest risk as "Special Flood Hazard Areas."

Risk Level Flood Hazard Zone
High Flood Risk

AE, A, AH or AO Zone. These properties have a 1 percent chance of flooding in any year - and a 26 percent chance of flooding over the life of a 30-year mortgage.

Insurance note: High-risk areas are called Special Flood Hazard Areas, and flood insurance is mandatory for most mortgage holders.

Low or Moderate Flood Risk

Shaded X Zone. These properties are outside the high-risk zones. The risk is reduced but not removed.

X Zone. These properties are in an area of overall lower risk.

* Insurance note: Lower-cost preferred rate flood insurance policies (known as Preferred Risk Policies) are often an option in these areas.