The City of Coconut Creek participates in the National Flood Insurance Program, a Federal program that allows property owners to purchase insurance protection against losses from flooding. 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 estate property or mobile homes located in identified special flood hazard areas. This applies to conventional home mortgage loans, home improvement loans, construction loans, commercial loans.

The City of Coconut Creek has adopted many of the practices, recommended by the NFIP and is rated as a 7 through the Community Rating System (CRS). As a result, City of Coconut Creek homeowners are entitled to a discount on  flood insurance of 15% in Special Flood Hazard Area (SFHA) and 5% outside of SFHA.

Federal flood insurance protects homes, businesses, and belongings from damage caused by flooding.  It covers:
  • Structural elements, including walls, floors, equipment and fixtures.
  • Contents such as furniture, appliances and carpeting.
  • Personal items like clothing, and electronics ( TV, computer, etc.)

See how the April 2015 Program Changes Will Affect Flood Insurance Premiums:
Homeowner Flood Insurance Affordability Act of 2014

How do I know if my property is located in the floodplain?

Determination of whether your property is located in a floodplain is based on the most recent Flood Insurance Rate Map (FIRM). The FIRM is the official map of a community where FEMA has delineated the special hazard areas applicable to the community. The most recent FIRM's were issued for the City of Coconut Creek August 18, 2014.  Many areas of the City have changed designations.  To confirm your flood zone, call the Utilities & Engineering Department, 954-973-6786.

Who uses the FIRM?
  • Private citizens and insurance brokers use the FIRM to locate properties and buildings in flood hazard areas.
  • Community officials use the FIRM to administer floodplain management regulations and to mitgate flood damage.
  • Lending institutions and Federal agencies use the FIRM to locate properties and buildings in relation to mapped flood hazards, and to determine whether flood insurance is required when granting loans or providing grants following a disaster for the purchase of construction or a building.

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