Floods are the most common natural disaster, damaging public health and safety, as well as economic prosperity. Based on the 2015 Volusia County Multi-Jurisdictional Local Mitigation Strategy, out of the thirteen individual hazards identified, flooding is the most frequent and costly natural hazard in the Volusia County area.
Between 1980 and 2013, the United States suffered more than $260 billion in flood-related damages, according to FEMA. Tidal surges associated with hurricanes, nor'easters, and tropical storm activity and from overflow from streams and swamps associated with rainfall runoff, increase the risk of damage due to flooding.
Proactive preparation helps minimize risk for personal safety and property damage during a hurricane or during rising waters due to heavy downpours and sheet flow. Below are some strategies and tips to help with preparation to protect your property and personal safety.
Know Your Risk of Flooding
Flooding can happen anywhere, but certain areas are especially prone to serious flooding. To find out what flood zone your property is located in, you can use the FEMA mapping center's interactive website and then type in the property address.
You Should Buy Flood Insurance
The City of Ormond Beach participates in the National Flood Insurance Program (NFIP), which means all property owners can purchase flood insurance for structures and contents. Renters can purchase insurance for their belongings as well. Effective May 1, 2012, the City of Ormond Beach achieved a CRS rating of 6, meaning that flood prone properties within the City receive a 20% discount on their flood insurance policies.
Flood insurance is an important first step in protecting your financial investment. For homes in a high risk zone, there is a 26% chance of experiencing a flood during the life of a 30-year mortgage, compared to a 9% chance of fire. In accordance with the Flood Disaster Protection Act of 1973 and the National Flood Insurance Reform Act of 1994, flood insurance is required for all structures located in a Special Flood Hazard Area that carry a home mortgage loan backed by a federally-regulated lender or servicer. Remember, flood insurance is available for all properties, regardless of risk designation. Learn more by visiting the National Flood Insurance Program Consumer website.
Check With Your Agent To See If You Are Fully Insured
Most property/casualty insurance policies do not cover flood damage. The National Flood Insurance Program reports that nearly 20 percent of flood insurance claims are for properties in moderate to low-risk areas.
Even if your property is in an X Zone, take advantage of a low-risk, preferred rate policy. An existing policy offers rate advantages if the property is mapped into a higher-risk category in the future. If you don't have a mortgage and are not required to have flood insurance, consider getting an NFIP policy anyway. In addition to the insurance coverage, it may also be an advantage if you sell the property to a buyer who finances with a mortgage.
Read about when flood insurance is required
Learn about flood insurance policies and costs
Follow Proper Safety Precautions
- Monitor your weather radio.
- When walking, do not attempt to cross flowing streams.
- Know your evacuation routes before flooding occurs.
- Have an evacuation plan and find a place where your family can safely meet up after an order is issued.
- Do not drive through flooded areas.
- More people drown in their cars than anywhere else.
- Don't drive around road barriers.
Get a Permit Before You Build
If you plan on improving your insured structure, or your home has sustained damage where repairs cost 50% or more of the building pre-damaged, you will be required to bring your structure up to current building and floodplain standards. Make sure you get a permit before you build, and work with a licensed contractor.
Joint Federal, State, Local Public Notices
Keep Your Waterway Clean
- Don't dump grass or other items in storm drains.
- Stay off sand dunes and do not disturb grass used for dune stabilization.
- Keep creeks, streams and ditches clean and free of debris.
- Do not drain pools directly into streams.
- Scoop the poop - Keep pet waste from entering waterways; and
- Use a car wash.
Protect Your Property from Flooding
Every year, flooding causes more property damage in the U.S. than any other type of natural disaster. While recent construction practices and regulations have made new homes less prone to flooding, many older homes existing structures remain susceptible. Throughout the country, there is a growing interest from property owners to develop practical and cost effective methods for reducing and eliminating exposure to flooding.
Several effective techniques include relocation of a building to a site that is not subject to flooding, construction of flood walls or berms to keep water away from the property or retrofitting structures to make them flood proof.
FEMA's library offers information about elevating and floodproofing structures.
Other Local Jurisdictional Flood and Floodplain Links
Daytona Beach Shores
New Smyrna Beach