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Flood Insurance Information

One of the best protection measures for a building with a flood problem is National Flood Insurance, which is purchased through any property insurance agent. If the building is located in a floodplain, most mortgage lenders will require flood insurance. Be sure to include the cost of a policy in your mortgage and financial planning. Regardless of where your property is located in the City, you are eligible for flood insurance.

Every year flooding causes hundreds of millions of dollars worth of damage to homes and businesses in the United States. Standard homeowners and commercial property insurance policies do not cover flood losses. To meet the need for this vital coverage, the Federal Emergency Management Agency (FEMA) administers the National Flood Insurance Program (NFIP).

Floodplain Management Quickguide

Local Mitigation Strategy

The City of Sarasota is vulnerable to a number of natural hazards including the effect of flood and wind damage caused by hurricanes, tropical storms, wither storms, tornados, and wildfires. With a sizable amount of the City’s land in a floodplain, an aging population, and history of natural hazard damages, it is clear that a focus on hazard mitigation will likely go a long way to benefiting the overall well-being of the City’s residents. The Sarasota County Unified Local Mitigation Strategy 2009 has been constructed in accordance with the requirements of the 2000 Disaster Management Act, and will provide the City and its citizens a better understanding of the natural hazards the City faces.

Download the complete Local Mitigation Strategy

For more information or any welcomed public input on Local Mitigation: Buster.Chapin@sarasotagov.com

The Community Rating System

The National Flood Insurance Program (NFIP) offers reasonable priced flood insurance in communities that participate in the Community Rating System (CRS) by complying with minimum standards for floodplain management. The City of Sarasota became a participating CRS community in 1990. Flood insurance in The City of Sarasota is available to all owners of insurable property. Owners and renters may insure their personal property against flood loss, as well. Condominiums are also eligible for flood insurance protection. Because of the City's participation in the CRS program, flood insurance is available through any licensed property insurance agent or broker. If you are interested in purchasing flood insurance for your property, you should call your local insurance agent.

For More Information

To learn more about flood insurance or the City of Sarasota's participation in the Community Rating System program, please call Gerald (Buster) Chapin, CRS Coordinator at (941) 954-4127.

This brochure will answer many of your questions: Flood Safety Brochure (publication #Z103)

Check out these other resources for more information:

City of Sarasota Floodplain Management Plan

Florida Division of Emergency Management This icon means that by clicking on the link you will be leaving a website of the City of Sarasota to a website not under its jurisdiction. - Information on how to prepare for all types of disasters, both natural and man-made, including floods.

Sarasota County Emergency Services This icon means that by clicking on the link you will be leaving a website of the City of Sarasota to a website not under its jurisdiction. - This site can help you prepare for floods and other disasters, both natural and man-made.

Federal Emergency Management Agency (FEMA) This icon means that by clicking on the link you will be leaving a website of the City of Sarasota to a website not under its jurisdiction. - Information on everything from property protection measures through post flood recovery.

Federal Flood Map Updates This icon means that by clicking on the link you will be leaving a website of the City of Sarasota to a website not under its jurisdiction. - Proposed flood zone information

FEMA - Flood Insurance Reform - The Law This icon means that by clicking on the link you will be leaving a website of the City of Sarasota to a website not under its jurisdiction. - A number of laws have been passed to strengthen the National Flood Insurance Program (NFIP), ensure its fiscal soundness and inform its mapping and rate-setting through expert consultation, reports and studies.

FEMA - National Flood Insurance Program (NFIP) This icon means that by clicking on the link you will be leaving a website of the City of Sarasota to a website not under its jurisdiction. - This site will give you information on flood insurance and the National Flood Insurance Program.

FEMA Map Service Center This icon means that by clicking on the link you will be leaving a website of the City of Sarasota to a website not under its jurisdiction. - This site allows you to look up flood maps showing current flood zone information.

FloodSmart.gov This icon means that by clicking on the link you will be leaving a website of the City of Sarasota to a website not under its jurisdiction. - The official site of the NFIP - Find your flood risk. This site has information pertaining to flood protection, hurricane preparedness, and other topics related to flooding.

Agents.floodsmart.gov This icon means that by clicking on the link you will be leaving a website of the City of Sarasota to a website not under its jurisdiction. - This is a site for existing National Flood Insurance Program agents, or insurance agents who are interested in offering flood insurance to their clients.

National Flood Proofing Committee This icon means that by clicking on the link you will be leaving a website of the City of Sarasota to a website not under its jurisdiction. - US Army Corps of Engineers - Visit this site and enter “Flood Proofing” in the search bar, and you can find information and downloadable brochures on steps to protect your home and property from floods.

National Geodetic Survey Data Explorer This icon means that by clicking on the link you will be leaving a website of the City of Sarasota to a website not under its jurisdiction. - Benchmarks in Sarasota County.

National Hurricane Center This icon means that by clicking on the link you will be leaving a website of the City of Sarasota to a website not under its jurisdiction. - Information on hurricanes and hurricane preparedness.

National Weather Service This icon means that by clicking on the link you will be leaving a website of the City of Sarasota to a website not under its jurisdiction. - For news and weather regarding possible storm events.

National Wetlands Inventory This icon means that by clicking on the link you will be leaving a website of the City of Sarasota to a website not under its jurisdiction. - This site can show you national wetland areas.

Sarasota County Evacuation Zones This icon means that by clicking on the link you will be leaving a website of the City of Sarasota to a website not under its jurisdiction. - Know what evacuation zone you live in

Sarasota County Rain Monitoring This icon means that by clicking on the link you will be leaving a website of the City of Sarasota to a website not under its jurisdiction. - Real-time rain monitoring sensors.

Sarasota County Stormwater Environmental Utility (SEU) This icon means that by clicking on the link you will be leaving a website of the City of Sarasota to a website not under its jurisdiction. - At this site, learn more about drainage maintenance and improvements, which includes the City of Sarasota.

U.S. Fish and Wildlife Service This icon means that by clicking on the link you will be leaving a website of the City of Sarasota to a website not under its jurisdiction. - This site can show you critical habitat areas.

American Red Cross This icon means that by clicking on the link you will be leaving a website of the City of Sarasota to a website not under its jurisdiction. - How to plan and prepare your home and family, your school, and your workplace for floods and other types of natural and man-made emergencies.

American Red Cross Flood Safety Checklist This icon means that by clicking on the link you will be leaving a website of the City of Sarasota to a website not under its jurisdiction. - A checklist of what supplies you will need to prepare for a flood, what you should do if flooding is likely, and what to do after the flood occurs.

Flood History This icon means that by clicking on the link you will be leaving a website of the City of Sarasota to a website not under its jurisdiction. - This site will provide you with a flood history for Sarasota County

Association of Florida Conservation Districts This icon means that by clicking on the link you will be leaving a website of the City of Sarasota to a website not under its jurisdiction. - This web site can show you existing and potential conservation areas in Florida.

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