Insure Your Property

Flood Insurance

All residents within the City of Boca Raton should consider purchasing a flood insurance policy to protect their building and/or its contents, whether it is in a Special Flood Hazard Areas (SFHA) or not.

The National Flood Insurance Program (NFIP) is a federal program enabling property owners in participating communities to purchase flood insurance on eligible buildings and contents, whether they are in or out of a floodplain. The City of Boca Raton participates in the NFIP, making federally backed flood insurance available to its homeowners, renters, condo owners/renters, and commercial owners/renters. Costs vary depending on how much insurance is purchased, what it covers, and the property’s flood risk.

All policy forms provide coverage for buildings and contents. However, residents should discuss insuring their personal property with their agent, since content coverage is optional. Typically, there is a 30-day waiting period from the date of purchase before your policy goes into effect.

Call your insurance agent today to purchase flood insurance. To find out more about flood insurance and who writes flood insurance in your area, visit FEMA Flood Smart or call FEMA at 1-800-427-4661 for assistance. Residents may also contact Development Services at 561-393-7789.

Community Rating System (CRS)

City of Boca Raton residents can receive additional savings on flood insurance premiums. The discount comes from an improvement in the City’s Community Rating System (CRS) Classification. Floodplain management activities implemented by the City of Boca Raton currently may qualify residents in high hazard flood zones for a 15% discount on their flood insurance premium.

For more information regarding the CRS, view FEMA’s fact sheet or view the presentation of the FEMA National Flood Insurance Program and Community Rating System (PDF).

FEMA's Risk Rating 2.0

Risk Rating 2.0 is designed to help people to understand their true flood risk as well as make the National Flood Insurance Program (NFIP) more equitable and effective. The information below from the American Flood Coalition can help eligible NFIP policyholders potentially save money on flood insurance.

Copyright ©2022 American Flood Coalition, All rights reserved.

To learn more about rate changes in your community, view FEMA's online data.

Tips to Protect Your Property From Flood Damage

• Elevate furniture and other household valuables and electrical appliances, or move them to higher floors.
• Place sandbags in strategic places around your property.
• Regrade your property to provide for better storage of stormwater runoff, install an earthen berm along the perimeter and elevate the existing structure for good flood damage prevention practices.
• City staff will visit a property to review its drainage or flood problems and offer advice to help prevent flood damage. Call Municipal Services at 561-416-3385 for this valuable advice.
• Some flood protection methods require a construction permit, so always call the Building Department at 561-393-7930 before making any alterations to your property. Call if you see a project that does not have a permit sign to report the possible violation.