Those properties that fall within a Flood Zone or Flood Prone area are at greater risk of encountering flooding from rising water from daily thunderstorms, tropical storms or any other severe weather event. We encourage our residents and business owners to determine if you reside within a specified FEMA Flood Zone or a Flood Prone area. This information can be found by visiting the National Flood Insurance Program page.
You may also wish to visit the FEMA website and review the content related to flooding, and also review the FEMA Flood Insurance Rate Map. For homes at a greater risk or built pre-FIRM, there are requirements to floodproof your home if the structure does not meet the City's current building or floodplain management code. Remember, a flood insurance policy takes 30 days to procure before a claim can be made, and flood insurance cannot be purchased in the onset of a natural disaster. Having an elevation certificate for your property is a valuable tool and allows insurance companies and lenders to appropriately assess the premiums. The City strongly recommends all residents to protect their investment regardless if there is a federal requirement to hold flood insurance for those homes within a special flood hazard area. This outstanding rating for the Oviedo community, allows you to apply up to the following maximum flood insurance amount: Please report immediately any of the above issues to 40 and attempt to provide exact address, situation, description of violator/vehicle. Please partner with us in maintaining the Master Storm Water System by not placing debris or materials that may damage the system or cause water flow backups such as grass clippings, landscape debris, and never dispose of automotive chemicals, cleaning chemicals, law maintenance chemicals, etc., in the inlets and other parts of the Storm Water System. Typical residential flooding occurs as a result of changes made to adjacent properties such as the addition of landscaping, trees, privacy fences, swimming pools, etc., and is not the responsibility of the City of Oviedo. You may however experience localized flooding during heavy rainfall periods, although this normally diminishes shortly after a passing storm.
Year round maintenance results in a successful Master Storm Water System that is effective in moving rainfall quickly during a high rain event. The City of Oviedo manages a Master Storm Water System including over 523 retention water ponds, tributaries, streams, lakes as well as the drainage system throughout the Oviedo Community. This assignment number may be requested by your insurance carrier when you apply for flood insurance coverage. The City of Oviedo National Flood Insurance Program assigned participant number is 120293. The City of Oviedo has been a participant since 2008 of the FEMA National Flood Insurance Program which is managed by the Federal Insurance Administration.
Check with your agent to ensure coverage or request a preferred risk policy. Most homeowners insurance policies do not cover flooding. The City's rating allows the premium on some flood insurance policies to be reduced by up to 20%. The City of Oviedo is an active participant of the FEMA National Flood Insurance Program Community Rating System. Community Rating System & Flood Warning System
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