Since homeowners or renters insurance polices do not cover losses due to flooding, the City strongly urges you to buy or continue your flood insurance to protect yourself from potentially devastating losses. Fort Pierce participates in the National Flood Insurance Program (NFIP) and Community Rating System (CRS). Because of the City's participation in the CRS program, the residents receive up to 20% discount on their NFIP premiums. Tenants may also insure their person property against flood loss.
The average annual premium for this insurance will vary depending upon amount of coverage and degree of flood hazard.
Flood insurance is required in certain instances, such as the purchase of a home with a federally backed mortgage. (If there are no mortgages on your property, it is still advisable to protect your property with flood insurance.)
Any development (including placing or removing fill) in the flood plain requires a building permit. If you suspect that illegal flood plain development is occurring, call the Building Department at 772-467-3198.
Every year, flooding causes more property damage in the United States than any other type of natural disaster. While recent construction practices and regulations have made new homes less prone to flooding, many existing structures remain susceptible. Throughout the country there is a growing interest from property owners to develop practical and cost effective methods for reducing or eliminating exposures to flooding, several effective ways include acquisition and relocation of a building to a site not subject to flooding, construction of floodwalls or berms to keep water away from the property, or retrofitting structures to make them flood proof. Retrofitting is a different approach from the other ways because the property itself remains subject to flooding while the building is modified to prevent or minimize flooding of habitable space.
There are several recognizable approaches to retrofitting:
Elevation of the structure above flood protection levels
Construction of barriers (floodwalls, berms)
Dry flood proofing (water tight floor and wall systems)
Wet flood proofing (permits entry and passage of flood waters)
In the event of pending flood threat, it is always advisable to take the following emergency actions:
Sand bagging to reduce erosion and scouring
Elevate furniture above flood protection levels
Create floodway openings in non-habitable areas such as garage doors.
Seal off sewer lines to the dwelling to prevent the back flow of sewer waters.