What is a "flood"? For flood insurance purposes, "a flood is a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow."
Floodplains are designated by the frequency of the flood that is large enough to cover them. For example, the 10-year floodplain will be covered by the 10-year flood and the 100-year floodplain by the 100-year flood.
Flood frequencies, such as the "100-year flood," are determined by plotting a graph of the size of all known floods for an area and determining how often floods of a particular size occur. Another way of expressing the flood frequency is the chance of occurrence in a given year, which is the percentage of the probability of flooding each year. For example, the 100-year flood has a 1% chance of occurring in any given year.
The National Flood Insurance Program has established a de facto minimum standard of protection against the 100-year flood. This is a relatively low level of protection. For example, there is a 26% chance that a levee or channel designed to contain the 100-year flood will be at that design capacity at least once over a 30 year period. All residents and businesses in areas vulnerable to flooding should have flood insurance.
Homeowner insurance policies DO NOT cover damage from rising water.
Floodplain management is the operation of a community program of corrective and preventative measures for reducing flood damage. These measures take a variety of forms and generally include zoning, subdivision, or building requirements, and special-purpose floodplain ordinances (FEMA).
- Flood Information Brochure
- Flood Protection Tips
- Floodplain Management
- FEMA Flood Insurance Rate Map Index
- Association of State Floodplain Managers (ASFPM)
- Florida Floodplain Managers Association (FFMA)
- Florida - Floodplain region IV (FEMA)
- Community Rating Service (FEMA)
- National Floodplain Insurance Program (NFIP)
- Helpful links
- Weather Forecast
- Get Flood Warning and Weather Alerts
- Safety Measures for Storms and Flooding
- Floodplain Management Plan (PDF)
- Florida Division of Emergency Management
- Federal Alliance for Safe Homes
- Disaster Preparedness Guide video (link to youtube)
- Flood Partners Flood zone determination, flood zone report, dispute flood zone
- Volusia County flood threat recognition system
- Settling Your Insurance Claim [PDF]
Municipal Flood and Floodplain Information
In an effort to promote public education on floods and flooding in Volusia County, there is a library of flood related information available in the reference section of the City Island Library. They are entitled “Flood Hazard Protection Library” and are available for review by asking at the reference desk. They contain the current Flood Insurance Rate Map (FIRM) panels and Flood Insurance Study for all of Volusia County (in electronic form). There is additional comprehensive information on flood protection and a directory of other agencies which provide information on this subject. The FIRM provides information that allows the map user to:
- Identify Special Flood Hazard Areas (SFHA) subject to flooding,
- Identify the location of a specific property,
- Estimate the base flood elevation at a specific site,
- Determine the flood insurance zone at a specific site, and
- Determine the location of the regulatory floodway.
The materials in this file are available for reference use during library operating hours. The Volusia County Building and Zoning Department and/or Volusia County Emergency Management Division will assist the public, development professionals, realtors and insurance agents in determining if a property is in a SFHA, which flood zones it is in, and base flood elevations. Additional information provided includes:
- Other information on the FIRMs (Coastal Barrier Resource Areas, floodways, lines of limited wave action, etc)
- Information on flooding in the area that is not shown on the FIRM
- Flood depths
- Special flood related hazards (erosion, tsunami, Coastal Construction Control Line)
- Historical flooding in the area
- Natural and beneficial floodplain functions and why these areas (wetlands, marshes, etc) should be protected.
A letter from the County, certifying the flood zone assigned to a particular piece of property, is available upon request. Also available upon request is a copy of an elevation certificate for structures built within a SFHA after 1986 (if one is available). The residents are also helped with reading and understanding the FIRMs. Information regarding the mandatory flood insurance purchase requirements is provided.
If you live in unincorporated Volusia County and have a flooding problem, please call Volusia County Road and Bridge at (386) 822-6422. Upon request, site visits are made to review the drainage and flooding problems and one-on-one advice is provided to the property owner.