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FEMA Is Revising Its South Florida Flood Maps

If you’re among the many Florida homeowners that are not required to have flood insurance, your home’s status may soon change. The Federal Emergency Management Agency (FEMA) is re-evaluating its South Florida flood risk zones. These maps have remained in effect in 2017 and they dictate whether you have the option of purchasing flood insurance or if you’re required to have it.

According to a WLFX article, the preliminary report regarding the revised FEMA flood maps shows that a number of homeowners in Palm Beach County may have their properties upgraded from a low to high risk, requiring them to have insurance.

It’s important to note that homeowners without a mortgage on their home are not required to purchase flood insurance even if the revised FEMA maps end up showing that the property is now in a flood risk zone. However, despite it not being required, most standard homeowners insurance policies do not include coverage for flooding. Homeowners must purchase a separate policy if they wish to protect their homes from flood damage.

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This information is provided by Miami insurance lawyer Alonso & Perez, LLP. Our areas of practice include bankruptcy, insurance litigation, foreclosure defense, immigration law, and more. Call 305-676-7545 to speak with a Miami insurance claims attorney and receive a free consultation We look forward to working with you.

This information is provided for educational or informational purposes only and should not be construed as legal advice. The information is not provided in the course of an attorney-client relationship and is not intended to substitute for legal advice.