The City has received notification of the changes that FEMA/National Flood Insurance Program will be implementing effective October 1, 2013. 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.
If you live in Florida, Floods happen. They can be devastating and cause severe damage to your home and property. This site is designed to provide citizens with the necessary information to be prepared for a flood or any other type of natural disaster.
2010-2011 Charlotte County All Hazards Guide - click to view
LOCAL FLOOD HAZARD:
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.
FLOOD WARNING SYSTEM:
The City works closely with the Charlotte County Emergency Operations Center (EOC) to monitor storms and flood threats and advises the community accordingly by posting updates on the City’ main web site, www.ci.punta-gorda.fl.us, the City’s emergency preparedness web site, www.pgfloodinfl.us; and the use of the City’ emergency call-out system called CodeRed® This system is similar to 911, except in reverse – the City will call you instead of you calling the City. This system allows the City of Punta Gorda to call targeted areas or the entire community in case of an emergency or urgent situation that requires immediate attention. CodeRed® uses a database of phone numbers and addresses to make the calls, keeping records of numbers called. The system can tell whether the call was answered by a voice or answering machine, and even calls back if nobody answers the first time. All new residents and businesses should register; as well as, those with unlisted phone numbers, those who have changed their numbers or addresses within the last year; and those who use a cellular phone as a home phone. Please note this service is only for residents and businesses located within the city limits of Punta Gorda. The Charlotte Alert notification system is another way to receive timely information about Charlotte County news, events, bulletins, newsletters, and more.
FLOOD SAFETY MEASURES:
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 has been designated a National Flood Insurance Program (NFIP) community. Bases 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 - November). Residents should tune to TV and Radio weather broadcasts and be alert to special local advisories. Local TV and radio stations will carry advisories for our area:
WKII (AM 1070)
WCCF (AM 1580)
WENG (AM 1530)
WGCU (FM 90.1)
WIKX (FM 92.9)
WCVU (FM 104.9)
WBBH Channel 20 - Cable Channel 2
WINK Channel 11 - Cable Channel 5
WFTX Channel 36 - Cable Channel 4
WZVN Channel 26 - Cable Channel 7
SNN Channel 6 Cable
WWSB Channel 40
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:
The City of Punta Gorda Building Division makes available Flood Elevation Certificates and Flood Insurance Rate Map (FIRM) determinations to let you know which flood hazard area your property is in. Requests for maps and/or certificates should be submitted to the City of Punta Gorda, Building Division, 326 W. Marion Avenue, Punta Gorda, Florida, 33950 or call 941-575-3362 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 941-575-3362 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 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 941-575-3362 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 941-575-3362 or email@example.com.
HURRICANE SEASON RUNS FROM JUNE 1st THROUGH NOVEMBER 30th ... ARE YOU READY?
The potential for a natural or man-made disaster is present at all times. The question is “Are You Ready?” how will you respond. The impact of a major emergency or disaster or even a lower impact disaster will likely cause a disruption in your life.
No one wants to think the worst or have to plan for the "WHAT IF's". "What if there were a hurricane, a flood, what would I do? ”What if my family has to evacuate? Is my family prepared?" These are questions we all ask ourselves.
Floods, hurricanes, wild fires, tornadoes, technological hazards or some other types of disasters than we could hardly imagine can be a real possibility.
For your family’s safety be aware of all the possible types of emergency situations that can result so that you can be as informed as possible. This is all very scary, but being prepared as much as possible ahead of time is vital to your family’s welfare.
Questions or comments regarding the flood facts should be directed to