The City of Lake Worth Beach is a participant in the National Flood Insurance Program (NFIP) which is a federal program enabling property owner(s) to purchase flood insurance.
It is based on an agreement between the City of Lake Worth Beach and the federal government that states that the City will adopt and enforce floodplain management regulations which at least meet minimum federal requirements and in return the federal government will make flood insurance available to the citizens of the City of Lake Worth Beach. The following are some frequently asked questions on this program. If you need assistance with any floodplain questions or require any information, please contact the Building Division at 561.586.1647
1. HOW DO I KNOW IF I AM IN THE FLOODPLAIN?
The floodplain is identified as “Special Flood Hazard Areas” in the City’s Flood Insurance Study and on the accompanying Flood Insurance Rate Maps which are published by FEMA. These maps can be view on your computer by going to the FEMA web page at www.FEMA.gov.The flood level shown for these Special Flood Hazard areas has a 1% chance of being equaled or exceeded in any one year. That translates into a 26% chance of flooding over a typical 30-year mortgage period. The Lake Worth Beach Public Library has these documents available for you to view in their reference section.
2. WHEN DOES THIS AFFECT ME?
The NFIP requires participating communities to regulate by building permits any new or substantially improved structures during non-disaster periods and to monitor and identify any substantially damaged structures as a result of a disaster within the City’s floodplain areas. When you apply for a building permit, we will inform you as to whether or not you are in a flood plain and what further steps are required for the issuance of a permit.
3. HOW HIGH WILL I HAVE TO ELEVATE OR FLOOD PROOF?
The elevation or flood proofing requirement is based upon the elevation of the base flood indicated in the flood insurance study of the City and on the Flood Insurance Rate maps for the City of Lake Worth Beach.
4. WHY GO THROUGH ALL THIS TROUBLE?
First as a participating community in the NFIP we are required to enforce our adopted floodplain regulations. Second, structures located in the floodplains which are not elevated or flood proofed are a threat to the health and safety of the occupants. Third, structures that do not take into consideration the flood risks will repeatedly need to be bailed out by the government when a flood event occurs.
5. WHAT HAPPENS IF I REFUSE TO COMPLY?
If you do not obtain a permit and do not elevate or flood proof your structure then the City can take legal action against you. If the structure is in violation of the regulations, flood insurance premiums could be extremely costly, possibly making the structure difficult to sell. Also the City could jeopardize its continued participation in the NFIP.
6. WHAT IF I HAVE MORE QUESTIONS?
The City’s CRS Coordinator is responsible for the NFIP submittals of the floodplain management ordinance. Should you desire further information please contact us at (561) 586 – 1741.