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 return to the Seminole County Building Department, 1101 E. First Street, Sanford, FL 32771. Click here to see a dynamic listing of all lots/parcels.