Flood Insurance Information

The following information is required by the Federal Emergency Management Agency (FEMA) to satisfy provisions of the Community Rating System (CRS) for reduced costs for flood insurance.

Most standard homeowner, business owner, or renter insurance policies typically do not cover property losses due to flooding.  The City of Pembroke Pines participates in the National Flood Insurance Program (NFIP), making flood insurance available to everyone at a discounted rate.  Residents and business owners are strongly encouraged to purchase flood insurance to safeguard against potentially devastating losses, as replacing household contents damaged by floods can impose a significant financial burden without coverage.


Flood insurance, backed by the federal government, is available even for properties that have flooded previously.  It's important to note that unless there is a special condition in the mortgage, there is generally a 30-day waiting period between purchasing flood insurance and when the coverage takes effect.  If your property is in a Special Flood Hazard Area (SFHA) and you have a mortgage from a federally regulated or insured lender, flood insurance is required.  However, all property owners and renters- whether in the SFHA or outside of it- should carefully consider the benefits of flood insurance to protect against significant financial losses.


To find out if your property is in an SFHA, residents can use Broward County's interactive map viewer Broward County FEMA Flood Map or call 954-518-9040 and provide your address and zip code.  If your structure is mapped into a high-risk area, you will need to purchase flood insurance if you have a mortgage with a federally-regulated lender.  For properties mapped in low- or moderate-risk areas, while flood insurance may not be required, it is strongly recommended.  The cost of protecting your home and contents from flood damage is far less than the cost of repairing or replacing them after a flood.
Consult with your insurance agent to determinate the appropriate level of protection you need and explore money-saving options that may be available.

A Message from the Mayor


For many people, their home and its contents represent their greatest investment. Most standard homeowner’s, businesses owner’s or renter’s insurance policies typically do not cover property losses due to flooding. The City of Pembroke Pines encourages all property owners and renters to purchase flood insurance for your property to protect your building and its contents from significant financial losses from flooding. There is usually a 30-day waiting period after purchase before the policy takes effect.
Talk to your insurance agent to determine the appropriate level of protection you need. If you already have flood insurance, be sure it is up to date and that you have contents coverage.
To purchase flood insurance, please contact your insurance company or agent. For further information, feel free to reach out to the City of Pembroke Pines – Engineering Division at 954-518-9040.

Because the City of Pembroke Pines participates in the National Flood Insurance Program’s Community Rating System, you will receive a discount on your flood insurance premium. Be sure to look for your discount! To learn more about flood insurance, please visit www.FloodSmart.gov
You can also get additional information about South Florida Water Management District’s flood control efforts. (www.SFWMD.gov)


Flood Insurance Savings for Pembroke Pines Residents and Businesses 

As a result of the City of Pembroke Pines' Class 5 rating in the National Flood Insurance Program's (NFIP) Community Rating System (CRS), property owners in Pembroke Pines may qualify for up to a 25% discount on flood insurance premiums for NFIP policies issued or renewed.  For additional information about the CRS program, please visit: 

https://www.fema.gov/floodplain-management/community-rating-system


FEMA Letters of Map Change (LOMC)


The Federal Emergency Management Agency (FEMA) National Flood Insurance Program provided the table of Letters of Map Change (LOMC), effective July 31, 2024.

For information relating to LOMC not listed on the table or to obtain copies of previously issued documents, please contact FEMA Map Information eXchange (FIMX), toll free, at 1-877-FEMA-MAP (1-877-336-2627).

What is a LOMC? 
 A LOMC is a letter that reflects an official Amendment or Revision to an effective Flood Insurance Rate Map (FIRM). FEMA must issue a LOMC to get a property removed from a Special Flood Hazard Area (SFHA).
 
Why would you want a LOMC? 
Properties could possibly be removed from the flood zone if they submit a Letter of Map Change with appropriate documentation to FEMA showing the elevations of their home and adjacent ground are above the Base Flood Elevation(BFE). This map change is not an immediate process, and FEMA states the turnaround time on these requests is ~60 days. If FEMA grants the map change request, the property owner may no longer be required to pay flood insurance. The property owner may send the determination document to their lender and request that the federal flood insurance requirement for the structure be removed. For more detailed information on Change your Flood Zone Designation and how to submit a Letter of Map Change (LOMC), please visit: Change Your Flood Zone Designation

Useful Links