Step 1: Know Your Flood Hazard

Colored graphic tile representing water.Regulated floodplains are illustrated on inundation maps called Flood Insurance Rate Maps (FIRMs). FIRMs are the official maps for a community on which FEMA has delineated the Special Flood Hazard Areas (SFHAs), which represent the areas subject to inundation by the 1-percent annual chance flood event.

On average, structures located within the SFHA have a 26-percent chance of flooding during the life of a standard 30-year mortgage.

FEMA FIRMs are available for free public viewing in Osceola County libraries or online at Also, upon request, the Building Department at 407-957-7224, will make free flood zone determinations for properties located within the City.

Properties located outside of the SFHA are not guaranteed to be safe from flooding.

Colored graphic tile representing water.STEP 2: INSURE YOUR PROPERTY