Floods are the most common and widespread of all natural disasters outside of fire. Communities particularly at risk are those in low lying areas, coastal areas, or downstream from large bodies of water. There is a 26% chance of experiencing a flood during the life of a 30 year mortgage (more than 6 times the likelihood of a fire.) Flood insurance protects you from the financial devastation caused by floods. Even a few inches of water can bring thousands of dollars in repair and restoration costs. Most homeowners insurance does not cover floods. As little as one foot of (moving) water can move most cars off the road. Just six inches of fast-moving flood water can sweep a person off his or her feet.
Flood insurance, like earthquake insurance, is “single peril” insurance, sold separately from homeowners insurance. Flood insurance protects against losses to buildings and their contents, not the land surrounding them. The coverage applies whether the flooding results from heavy or prolonged rains, coastal storm surge, blocked storm drainage systems, or other causes. To be considered a flood, the waters must cover at least two acres or affect at least two properties. Flood insurance is available both within and outside of floodplains. Your property’s flood risk is shown on flood hazard maps. Different types of policies are available depending on your flood risk - policy info
Your Building Department can provide information about your property’s flood zone or on any property you may be interested in by contacting 561-768-0450 or visit the Palm Beach County Flood Zone Determination System
Flood Zone Information
The Building Department has developed a new Flood Map overlay on Tequesta’s Street Map, which will enable a property owner or interested parties to determine the Flood Zone of individual properties. This service is also available to Insurance Companies, Realtors and Funding Institutions upon request. Please contact us for more information at 561-768-0450.