Flood Prone Areas

National Flood Insurance Program


National Flood Insurance Program The National Flood Insurance Program is administered by FEMA. It makes federally guaranteed flood insurance available to property owners in communities that voluntarily adopt and enforce the NFIP's flood plain management requirements. Flood insurance is available in over 18,000 communities throughout the country and in overseas territories.

Under the National Flood Insurance Act (42 U.S.C. 4001 et seq.) federally supervised, approved, regulated or insured financial institutions must require flood insurances as a condition of making, increasing, extending or renewing loans on improved real property or mobile homes located in identified special flood hazard areas. This applies to conventional home mortgage loans, home improvement loans, construction loans, commercial loans, etc.

Federal flood insurance protects homes, businesses, and belongings from damage caused by flooding. 

It covers:

  • Structural elements, including walls, floors, equipment and fixtures.

  • Contents such as furniture, appliances and carpeting.

  • Personal items like clothing, stereos and televisions.

NFIP policies for dwellings, commercial buildings, condominiums, and other structures are sold through licensed insurance agents and companies. You may want to discuss this with your insurance agent. (6-99)

To find out if your property is in a flood zone, please fill-in this request form (PDF) and submit via:

  • Mail: Seminole County Building Division, 1101 E. First Street, Sanford, FL 32771
  • Fax: 407-665-7407
  • Email: floods@seminolecountyfl.gov 
Click here to see a dynamic listing of all lots/parcels.