Flood Insurance info and Maps
Here in Lauderdale-By-The-Sea, all properties located east of the Coastal Construction Line (generally the east side of El Mar Drive) and on or near the Intracoastal Waterway, or on or near connecting canals, are in Special Flood Hazard areas. To determine if your home or condominium is in the Special Flood Hazard Zone, please call the Town's Public Works Department at (954) 640-4232.
National Flood Insurance Program
Congress created the National Flood Insurance Program (NFIP) in 1968 to provide affordable flood insurance to people who live in Special Flood Hazard Areas, which are neighborhoods with the greatest risk of flooding. Since our town participates in the National Flood Insurance Program, flood insurance is available to protect all homes, condominiums, apartments, and non-residential buildings, including commercial structures here in town. The NFIP offers two types of coverage- building coverage and contents coverage- to protect your home and belongings.
Flood Insurance Discounts
In 2010, our town received a Class 7 Community System Rating (CSR) meaning town property owners in Special Flood Hazard Areas receive a 15 percent discount on new or renewing flood insurance policies, and town property owners in Non-Special Flood Hazard Areas receive a 5 percent discount on policies.
Since flooding is the most common natural disaster, it is important that you obtain maximum protection. You can purchase flood insurance irrespective of where you reside - in high, moderate, or low-risk areas - and there is no exclusion as to what type of ownership you represent (i.e., homeowner, renter, or business owner).
Latest Flood Maps
Please see below for the most recent flood maps.