Floodplain Management

FLOOD INSURANCE RATE MAPS
Available for review at the FEMA Map Service Center.
 

In order to look up your location on the FEMA FIRM maps, you will need your panel ID number (Item number) which can be found on our Geographic Information Systems page under Address Lookup. View the maps under the heading: FIRM MAPS (FEMA).

FLOODPLAIN ORDINANCE 

The Citrus County Board of County Commissioners signed and adopted the revisions to the State Floodplain Ordinance for Citrus County on June 14, 2022.  This is an excerpt from the document detailing a few of the regulations that changed.  The FDEM State Floodplain Management Office posts guidance on several matters of interest.                                                                                                                                                                     
Sec 18-205 Buildings and Structures:

(c) Non-elevated accessory structures.  Accessory Structures are permitted below elevation required by the Florida Building Code provided the accessory structures are used only for parking or storage and:
  1. If located in special flood hazard area (Zone A/AE) other than coastal high hazard areas, are one-story and not larger than six hundred (600) square feet and have flood openings in accordance with Section R322.2 of the Florida Building Code, Residential
  2.  If located in coastal high hazard areas (Zone V/VE), are not located below elevated buildings and are not larger than one hundred (100) square feet.
  3.  Are anchored to resist flotation, collapse or lateral movement resulting from flood loads.
  4. Have flood damage-resistant materials used below the base flood elevation plus 1-foot.
  5. Have mechanical, plumbing and electrical systems, including plumbing fixtures, elevated to or above the base flood elevation plus 1-foot.

Sec 7. Amending Chapter 18, Article VI, Section 18-208 Entitled “Manufactured Homes”:

 a.) This regulation is regarding the regulations for jurisdictions with Coastal Construction Control Line (this does not apply to Citrus County)
b.) Foundations. All new manufactured homes and replacement manufactured homes installed in flood hazard areas shall be installed on permanent, reinforced foundations that:
    1. In flood hazard areas (Zone A/AE) other than coastal high hazard areas, are designed in accordance with the foundation requirements of the Florida Building Code, Residential Section R322.3 and this article,
    2. In coastal high hazard areas (Zone V/VE) are designed in accordance with the foundation requirements of the Florida Building Code, Residential Section R322.3 and this article,
c.) Anchoring. All new manufactured homes and replacement manufactured homes shall be installed using methods and practices which minimize flood damage and shall be securely anchored to an adequately anchored foundation system to resist flotation, collapse or lateral movement. Method of anchoring include, but are not limited to, use of over the top or frame ties to ground anchors. This anchoring requirement is in addition to applicable state and local anchoring requirements for wind resistance.

d.) Elevation. All manufactured homes that are placed, replaced, or substantially improved in flood hazard areas shall be elevated such that the bottom of the frame is at or above the elevation required, as applicable to the flood hazard area, in the Florida Building Code, Residential Section R322.2 (Zone A/AE) or Section R322.3(Zone V/VE and Coastal A Zone).  Florida Building Code R322 requires elevation at base flood elevation plus (1) one foot.

e.) Enclosures. Enclosed areas below the elevated manufactured homes shall comply with the requirements of the Florida Building Code, Residential Section R322 for such enclosed areas, as applicable to the flood hazard area.

f.) Utility Equipment.  Utility equipment that serves manufactured homes, including electric, heating, ventilation, plumbing and air condition equipment and other service facilities, shall comply with the requirements of the Florida Building Code, Residential Section R322, as applicable to the flood hazard area.

 

FLOOD INSURANCE ASSISTANCE
For more information, visit https://www.fema.gov/flood-insurance.

Community Rating System -  Repetitive Loss Letters 
Recently, letters were sent to owners of properties mapped within a certain mile radius of structures labeled as REPETITIVE LOSS. The letters detailed FEMA programs for structure mitigation.  This outreach project is required by FEMA and is advisory in nature only and helps to save you as a property owner, 25% on your flood insurance policy premium if you have flood insurance.

(Community Rating System:  A program developed by FEMA to provide incentives for those communities in the Regular Program that have gone beyond the minimum floodplain management requirements to develop extra measures to provide protection from flooding)

Repetitive Loss property:  an NFIP-insured structure that has had at least 2 paid flood losses of more than $1,000 each in any 10 year period since 1978)

Change a Flood Zone Designation - Online Letter of Map Change
The following information describes FEMA's Online LOMC web application, which allows anyone to submit a Letter of Map Change (LOMC) request online. This page is intended for homeowners and other interested parties that wish to submit a LOMC application online instead of the paper form method.

https://www.fema.gov/change-flood-zone-designation-online-letter-map-change

nfip_logoContact:
352) 527-5310

find-your-flood-zoneFloodplain Management is Citrus County's program of preventive and corrective measures for reducing flood damage. Citrus County participates in the Community Rating System to reduce and avoid flood damage to insurable properties.

Citrus County’s rating is currently 5 out of 10, which translates to a 25% savings in flood insurance premiums to properties located in the Special Flood Hazard Area (SFHA) and a 15% savings in flood insurance premiums to properties located outside the SFHA.

Flood Zone Maps


Natural Floodplain Function Protection Information:


facebook-iconFloodplain Management Activities Include the Following:

  • Management of all development for properties located in the Special Flood Hazard Area
  • The coordination of Community Rating System activities that result in the reduction of flood insurance premiums within the County
  • The official community repository for all flood maps and Letters of Map Amendments
  • General assistance to the public, lenders, insurers and other professionals in obtaining copies of pertinent documents and flood zone research property specific
  • Coordination with our local, State and FEMA business partners

Related Information:


Hurricane Idalia
As our community recovers from the aftermath of Hurricane Idalia, Citrus County is working with state, local, and other federal leaders to ensure that all residents have access to resources and support. 

American Red Cross: 1-800-733-2767

FEMA Federal Emergency Management Agency: 1-800-621-3362
Speech/Hearing Impaired: 1-800-462-7585

Florida Division of Emergency Management (FDEM) State Assistance Information Line (SAIL): 1-800-342-3557

U.S. Department of Agriculture (USDA) Assistance: 1-386-719-5590

U.S. Small Business Administration (SBA) Disaster Assistance Center: 1-800-659-2955


Flood Mitigation Assistance Swift Current: Notice of Funding

The Flood Mitigation Assistance Swift Current (Swift Current) effort provides funding to mitigate buildings insured through the National Flood Insurance Program (NFIP) after a major disaster declaration following a flood-related disaster event to reduce risk against future flood damage.
The full funding opportunity announcement is available on Grants.gov.

Available Funding
Funds will be made available to states, territories, and federally recognized tribal governments that receive a major disaster declaration following a flood-related disaster event and meet all other eligibility criteria. Swift Current is not available to all property owners and aims to provide flood mitigation funding for buildings with a current contract for flood insurance under the National Flood Insurance Program (NFIP) and a history of repetitive or substantial damage from flooding.
The total funding available for Fiscal Year 2023 is $300 million, which was made possible through an infusion of dollars by the Infrastructure Investment and Jobs Act (IIJA), better known as Bipartisan Infrastructure Law (BIL).

Eligible Projects
Swift Current funds Individual Flood Mitigation Projects for Flood Mitigation Assistance and/or NFIP-defined Repetitive Loss (RL), Severe Repetitive Loss (SRL), or properties deemed Substantially Damaged after the applicant’s disaster declaration date.
Eligible Individual Flood Mitigation Projects include the following project types which
may be referenced in the Hazard Mitigation Assistance Program and Policy Guide:

-Property acquisition and structure demolition/relocation
-Structure elevations
-Dry floodproofing of historic residential structures or non-residential structures
 -Non-structural retrofitting of existing structures and facilities
  -Mitigation reconstruction
  -Structural retrofitting of existing structures


Definitions
Structures included in Individual Flood Mitigation Project sub-applications must be
Flood Mitigation Assistance and/or NFIP-defined Severe Repetitive Loss properties,
Repetitive Loss properties, or properties that were deemed Substantially Damaged
after the applicant’s disaster declaration date.

-Buildings identified in the sub-application must have a National Flood Insurance
Program policy in effect at the application start date and must maintain it
through completion of the flood hazard mitigation activity and for the life of
the structure.

-Buildings included in Individual Flood Mitigation Project sub-applications must
be Flood Mitigation Assistance and/or NFIP-defined Severe Repetitive Loss
properties, Repetitive Loss properties, or properties that were deemed
Substantially Damaged after the applicant’s disaster declaration date. Please
see Table 2 below for applicable definitions.

Eligible Property Type Definition
Flood Mitigation
Assistance defined
Severe Repetitive
Loss
Has four or more separate NFIP claims payments have been made
with the amount of each claim exceeding $5,000, and with the
cumulative amount of claims payments exceeding $20,000;
or
Has at least two separate NFIP claim payments have been made with
the cumulative amount of such claims exceeding the market value of
the insured structure.

Flood Mitigation
Assistance defined
Repetitive Loss
Have incurred flood-related damage on two occasions, in which the
cost of the repair, on the average, equaled or exceeded 25 percent of
the market value of the structure at the time of each such flood event,
and at the time of the second incidence of flood-related damage, the
contract for flood insurance contains increased cost of compliance
coverage.

National Flood
Insurance Program
defined Severe
Repetitive Loss
Has four or more separate National Flood Insurance Program claim
payments of more than $5,000 each (including building and contents
payments);
or
two or more separate claim payments (building payments only)
where the total of the payments exceeds the current market value of
the property.

National Flood
Insurance Program
defined Repetitive
Loss
A structure covered by a contract for flood insurance under the
National Flood Insurance Program that has incurred flood-related
damage on two occasions during a 10-year period, each resulting in at
least a $1,000 claim payment.

Substantial Damage Substantial damage applies to a structure in a Special Flood Hazard
Area – or floodplain – for which the total cost of repairs is 50% or
more of the structure’s market value before the disaster occurred,
regardless of the cause of damage.
This percentage rule can vary among jurisdictions. The decision about
a structure being substantially damaged is made at the local
community generally by a building-department official or floodplain
manager. For communities that participate in the National Flood Insurance Program, substantial damage determinations generally are required by local floodplain-management ordinances. These rules must be in place for residents of a community to purchase flood insurance.


Cost Share

Cost share is required for most sub-applications funded under Swift Current. FEMA may
contribute the federal cost share funding as indicated below. These are the definitions
for Flood Mitigation Assistance and National Flood Insurance Program insured
properties.

The Flood Mitigation Assistance Swift Current

Important Dates
The application period opens Nov. 15, 2023.

Disaster Declaration Deadline: May 31, 2023.

The application submission deadline will vary depending on the activation criteria met
and disaster declaration date.

-The eligibility period refers to the time that the applicant may submit sub-applications to Swift Current. The eligibility period start date will vary by
applicant.

-Upon Swift Current activation, the application deadline date will be provided to
the applicant. All applications must be received by the deadline.
Sub-applicants should consult with their applicant agency to confirm
sub-application deadlines.

-Local governments should consult with their state, tribal or territorial agency to
confirm deadlines to submit sub-applications for their consideration.


Submit Using the Mitigation eGrants System
All eligible applicants must submit their FY 2023 Swift Current grant applications to
FEMA using the Mitigation eGrants System.
If you need help with Mitigation eGrants, reach out to:

-Mitigation eGrants Help Desk

-Programmatic Helpline at (866) 222-3580 for Hazard Mitigation Assistance
programmatic support for questions


FEMA will distribute funding on a rolling basis as eligible applicants submit
applications until the total available funding amount of $300 million is exhausted.