Flood Preparedness

In the event of a hurricane or major storm, flooding can be a possibility. Take steps to ensure that you, your family, and your home are prepared before a flood happens.

About the Community Rating System
The Community Rating System is administered under the National Flood Insurance Program and provides incentives for communities to join. By implementing higher standards and regulations, a community can earn points in the CRS and these points translate into flood insurance premium reductions for the citizens. The City of Palm Coast earned its Class 4 Designation in May 2017 and joined only 12 other communities in the nation which are Class 4 or better. This Class 4 Designation translates into a 30% discount for policyholders in the Special Flood Hazard Area and a 10% discount for policyholders who are outside the Special Flood Hazard Area.


What is a Flood Hazard Area?
The Special Flood Hazard Area is a term used by the Federal Emergency Management Agency (FEMA) including “the land area covered by the floodwaters of the base flood is the Special Flood Hazard Area (SFHA) on NFIP maps. The SFHA is the area where the National Flood Insurance Program's (NFIP's) floodplain management regulations must be enforced ...”


Flood Insurance Rate Maps
A flood insurance rate map (FIRM) is an official map of a community within the United States that displays the floodplains, more explicitly special hazard areas and risk premium zones, as delineated by the Federal Emergency Management Agency (FEMA).
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Flood Protection Information

Information for property owners regarding the presence of flood hazards and possible actions that may be taken to protect persons and property.

2022 Annual Floodplain Management Report

An annual account of activities associated with the City of Palm Coast (“City”) Floodplain Management Program

2021 Annual Floodplain Management Report

An annual account of activities associated with the City of Palm Coast (“City”) Floodplain Management Program

2020 Annual Floodplain Management Report

An annual account of activities associated with the City of Palm Coast (“City”) Floodplain Management Program

2019 Annual Floodplain Management Report

An annual account of activities associated with the City of Palm Coast (“City”) Floodplain Management Program

Quick Links

Check Your Canal Levels

Check your canal levels in real-time to determine the risk to your neighborhood.

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Search Existing Elevation Certificates

to search for existing elevation certificates that may be of use when speaking to your insurance company.

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FEMA

FEMA’s mission is to help people before, during, and after disasters.

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National Flood Insurance Program

The NFIP offers flood insurance to help you protect the life you’ve built and recover more quickly after a flood.

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National Flood Hazard Layer Viewer

The National Flood Hazard Layer (NFHL) is a geospatial database that contains current effective flood hazard data.

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Letter of Determination

A letter of determination will tell you what flood zone your property and structure are in based on current FEMA Flood insurance rate maps.

Letter of Determination