The National Flood Insurance Program’s (NFIP) Community Rating System (CRS) is a voluntary incentive program that recognizes and encourages community floodplain management activities that exceed the minimum NFIP requirements. The City of Miramar takes part in the CRS.
As a result, flood insurance premium rates are discounted to reflect the reduced flood risk resulting from the community actions meeting the 3 goals of the CRS:
Reduce flood damage to insurable properties
Strengthen and support the insurance aspects of the NFIP
Encourage a comprehensive approach to floodplain management
Determining the Risk
To identify a community’s flood risk, the Federal Emergency Management Agency (FEMA) conducts a Flood Insurance Study. The study includes statistical data for river flow, storm tides, hydrologic/hydraulic analyses, and rainfall and topographic surveys. FEMA uses this data to create the flood hazard maps that outline your community’s different flood risk areas.
Floodplains and areas subject to coastal storm surge are shown as high-risk areas for Special flood Hazard Areas (SFHA). Some parts of floodplains may experience frequent flooding while others are only affected by severe storms. However, areas directly outside of these high-risk areas may also find themselves at considerable risk.
Understanding Your Property Designation
FEMA produces flood maps. These digital flood maps provide an official flood designation for properties located within a community. To locate your property and identify your official flood designation, please view the flood maps.