Local Flood Hazard Information

Flood Hazard Areas

The City of Homestead properties includes properties mapped by the Federal Emergency Management Agency in Special Flood Hazard Areas (SFHA) and other flood areas (Zone X) and as such, all properties are vulnerable to flooding. Urban areas can greatly affect the natural drainage patterns. Increased amounts of pavement also reduce the ability for rainwater to be absorbed, increasing the volume of runoff. Precipitation from a heavy rain can cause urban flooding. In some cases, this type of flood can be devastating to the local area but may not qualify for federal or state assistance. In these cases, flood insurance may be the only financial assistance consumers can get other than personal loans.

Flood Insurance

Homeowner’s insurance policies do not cover damages and losses due to flooding. The City of Homestead participates in the National Flood Insurance Program (NFIP) that makes flood insurance available to everyone in the City. We strongly urge you to buy flood insurance to protect yourself from a devastating loss. Information about flood insurance policies should be available to you through your insurance agent. Call your insurance agent now so that you will be prepared for future events. Do not wait for a disaster. Please be advised that there is a standard 30-day waiting period, from the date or purchase, before a new flood policy goes into effect.

Community Rating System (CRS)

City of Homestead participates in the Community Rating System (CRS) of the National Flood Insurance Program (NFIP). CRS provides incentive for a community does beyond the NFIP’s minimum requirements to reduce flood risk. The CRS is a voluntary incentive program that rewards community actions that reduce flood risk through discounted flood insurance rates.

Property Protection and Safety

Every year, flooding causes more property damage in the United States than any other type of natural disaster. While recent construction practices and regulations have made new homes and those undergoing substantial improvement or damage less prone to flooding, many existing structures remain susceptible.
In the event of flood threats, it is advisable to take the following emergency actions:
1. Elevate furniture above flood protection levels;
2. Sandbags can be placed to help slow flood water from reaching your possessions;
3. Create flood way openings in non-habitable areas (eg. garages, storage areas) and make sure that their openings are not obstructed.
4. Do not walk through moving water. Six inches of moving water can make you fall. If you have to walk in water, walk where the water is not moving. Use a stick to check the firmness of the ground in front of you.
5. Do not drive into flooded areas. If floodwaters rise around your car, abandon the car and move to higher ground if you can do so safely. You and the vehicle can be quickly swept away.

Flood Zone Maps

The Building Safety Division in the Development Services Department maintains flood zone maps that are available to the public. The Flood Insurance Rate Map (FIRM) is an essential product of the Flood Insurance Study, which shows a community’s base flood elevations, flood zones, floodplain boundaries and flood data for both floodplain management and insurance rating programs. The FIRM zone designations are based on 100- year flood. The 100-year flood is also referred to as Base Flood Elevation (BFE). You can also view your property Flood Zone at FEMA's website: FEMA flood maps
The Development Services Department may have a copy of your property's Elevation Certificate. To obtain a copy of the Elevation Certificate, please contact us at (305)-224-4500.

Flood Zone Determination Letter

The City of Homestead will provide a "Flood Zone Determination" letter, at no cost, for any property located within the City of Homestead. To obtain a Flood Determination Letter for your property, please complete the Flood Zone Determination Letter Request and return by mail or email to the Building Official.

Flood Plain Development

All developments or improvements including but not limited to: new construction, repairs and/or replacement work, additions, re-grade or put in fill and tree removal require a permit. Failure to obtain a permit may result in an unsafe structure, fines, and possible court action. Please contact the Development Services Department should you see development without properly displayed permits.

Useful Contact Information


Flood Hazard Information and Technical Assistance: 305-224-4520

Miami-Dade County: www.miamidade.gov
South Florida Water Management District: www.sfwmd.gov
Federal Emergency Management Agency: www.fema.gov
American Red Cross: www.redcross.org
Insurance institute for Business and Home Safety: www.disastersafety.org
National Flood Insurance Program: www.floodsmart.gov
Ready: www.ready.gov
Association State of Floodplain Managers: www.floods.org