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Find Your Flood Zone
The City of St. Cloud Floodplain Management Program was developed to protect and improve the City's natural and beneficial floodplains and to reduce flood losses due to major storms and heavy rainfall for residents and businesses.
Flooding is the most common and the costliest natural hazard in the United States. Floods account for nearly 75 percent of all Presidential Disaster Declarations, and more than 22,000 communities experience floods and participate in the National Flood Insurance Program (NFIP). The City of St. Cloud has been a regular participant of the NFIP since September 17, 1980. The NFIP is managed by FEMA and provide flood insurance to property owners, renters and businesses. Homes and businesses located within high risk flood areas (Special Flood Hazard Area) with mortgages from government-backed lenders are required to have flood insurance. Flood damage is not covered under homeowners insurance. Homes and businesses that are not located with high-risk flood areas may also acquire flood insurance with the NFIP.
In addition to participating in the NFIP, the City of St. Cloud has actively participated in the NFIP's Community Rating System (CRS) since 1993, a program that provides reductions to flood insurance premiums for policy holders.
How to get Flood Insurance? www.floodsmart.gov
FEMA Flood Zones
FIND OUT YOUR FLOOD ZONE
You can call our office or use the link below to identify your FEMA Flood Zone and even get copies of available elevation documents.
Online Property Search: https://stcloudfl.withforerunner.com/properties
FLOOD ZONES OF HIGH RISK (Special Flood Hazard Area)
Zone A: Properties within this flood zone have a 1% chance of flooding in any given year, and a 26% chance of flooding over the life of a 30-year mortgage. No Base Flood Elevation has been determined for this Flood Zone. The City has special development requirements for structures built in this Flood Zone.
Zone AE: Properties within this flood zone have a 1% chance of flooding in any given year, and a 26% chance of flooding over the life of a 30-year mortgage. The Base Flood Elevation has been determined for this Flood Zone. The City has special development requirements for structures built in this Flood Zone.
FLOOD ZONE OF MODERATE FLOOD RISK
Zone X-Shaded: These properties are located just outside of the high-risk flood zones.
FLOOD ZONE OF LOW RISK
Zone X-Unshaded: These properties are in an area of overall low risk for flooding.