The City has received notification of the changes that FEMA/National Flood Insurance Program have been implemented. A significant highlight of the changes includes premium changes for both residential and commercial properties. FEMA will no longer extend the Pre-Flood Insurance Rate Map (FIRM) properties a subsidized flood premium rate. Properties will now be required to pay the true actuarial rates. The effects to City residents are as follows:
There are 153 non residential buildings and 1,593 residential buildings that will see a 25% premium increase each year until they reach the True Rate for the flood insurance.
There are at least 4,389 homes that are considered non primary residences that will see a 25% premium increase each year until they reach the True Rate for the flood insurance.
All of the properties listed above will move to the True Premium, if the policies lap or the properties are sold. See attached spread sheet analysis of the number of properties and their taxable values. FEMA recommends property owners consult with their insurance agents regarding fiscal impacts of the legislation.
Flooding in Punta Gorda is caused by heavy rainfall that occurs in short periods of time, as is common during summer thunderstorms. However, the greatest flood threats come from the excessive rainfall that accompany coastal storms, tropical storms and hurricanes.
Protect yourself from flood hazards by taking measures to ensure the safety of life and property before during and after a flood occurs. If evacuation becomes necessary turn off all utility connections.
Some personal safety tips are:
Do not walk
through flowing water
Do not drive through a flooded area
Stay away from power lines and electrical wires
Carbon monoxide exhaust kills
Look before you step
Learn how to turn off your gas and electricity
Take good care of yourself
Clean everything that got wet
Watch for animals, especially snakes
The National Flood Insurance Program (NFIP) administered by the Federal Emergency Management Agency (FEMA) through its Federal Insurance Administration makes federally guaranteed flood insurance available at a reasonable rate to property owners and renters in communities that voluntarily adopt and enforce the NFIP’s floodplain management requirements.
As a result of activities conducted by the City of Punta Gorda, the City has been designated a National Flood Insurance Program (NFIP) community. Based on the Community Rating System, Punta Gorda is rated as a Class 6 Community therefore; making flood insurance available at a reduced rate to the residents and businesses of Punta Gorda. You are eligible for flood insurance, regardless of whether your property has never flooded or has flooded several times in the past. There is usually a 30-day waiting period before a flood insurance policy takes effect, so don’t wait until a storm threatens before you secure flood insurance you need.
Remember that standard homeowner’s insurance policies DO NOT cover losses due to flooding.
The biggest threat of general flooding is during the Hurricane Season (June 1 - November 30). Residents should tune to TV and Radio weather broadcasts and be alert to special local advisories. These local TV and radio stations will carry advisories for our area.
DRAINAGE SYSTEM MAINTENANCE:
Besides flood insurance, you should protect your structure by ordinary preventive measures. For example, do not sweep or blow yard clippings or soil into the street or storm water system. This clogs up the pipes and prevents water from draining. If this happens, flooding occurs more frequently and reaches higher elevations, subjecting properties otherwise protected to unnecessary risk of damage. To request maintenance of drainage facilities or to report illegal dumping into the canals, storm drainage system, please contact the Right-of-Way Division of Public Works at 941-575-5050.
NATURAL AND BENEFICIAL FUNCTIONS OF THE FLOODPLAIN:
Floodplain's in their natural state provide several beneficial functions. They can spread flood waters over a large area thus reducing the velocity of the water; they act as a buffer between the flood waters and developed areas to reduce potential damage to buildings; they can improve water quality by filtering water before it reaches our underground water supply; and the can provide habitat for flora and fauna.
MAP DETERMINATIONS & ELEVATION CERTIFICATE:
If an elevation certificate is on file you may search for it under “Public Records” if no results are found it indicates that on is not on file with the City of Punta Gorda. Requests for maps should be submitted to the City of Punta Gorda, Building Division, 326 W. Marion Avenue, Punta Gorda, Florida, 33950 or call 941-575-3324 or email firstname.lastname@example.org
Upon request, a representative from the City of Punta Gorda will visit your property to review flooding problems and to explain possible ways to alleviate and prevent flood damage. Please call the City of Punta Gorda Building Division at 941-575-3324 or email email@example.com for more information.
PERMIT FOR FLOODPLAIN DEVELOPMENT
The City of Punta Gorda, as a participant in the National Flood Insurance Program, requires a permit for floodplain development. All new construction of buildings and structures within the floodplain are required to meet specific criteria to minimize risk to flood events. If you would like additional information on permit requirements in the City of Punta Gorda please contact the Building Division at 941-575-3324 or firstname.lastname@example.org.
SUBSTANTIAL IMPROVEMENT REQUIREMENTS
In addition to the requirements for new construction, there are requirements for substantial improvements to existing structures within the floodplain in Punta Gorda. Substantial improvements include any construction, rehabilitation, additions, repair of damaged buildings or other improvements to a building which equals or exceeds 50% of the assessed tax value of the structure before the improvement is started. If you would like additional information on substantial improvement requirements in the City of Punta Gorda please contact the Building Division at 941-575-3380 or email@example.com.