Know Your Flood Risk

Understanding Your Flood Map

To identify a community's flood risk, the Federal Emergency Management Agency (FEMA) conducts a Flood Insurance Study.  This study includes information on canals, stream flows, storm ties, hydrologic/hydraulic analyses, rainfall, and topographic surveys.  FEMA uses this data to create the flood hazard maps - the Digital Flood Insurance Rate Maps (DFIRMs) that outline your community's flood risk areas.


Important Update

FEMA recently announced the release of updated, digital flood hazard maps that show the extent to which areas throughout the city are at risk for flooding.  The new Flood Insurance Rate Map (FIRM) became effective August 24, 2021 and is based on updated coastal modeling and shows flood hazards more accurately than older maps.  Current FIRM and historical FIRM map panel information is available to residents and business on the online Flood Map Information Service.


FEMA Flood Map

Below are the definitions for all the 

flood zone designations show in the City of Oldsmar's DFIRMs

ZONE VE (High Flooding Risk)
This is the flood insurance rate zone that corresponds to coastal areas that have additional hazards associated with storm waves.  There is at least a one-in-four chance of flooding during a 30-year mortgage.  Mandatory flood insurance requirements apply.
Floodplain Information
If you want to know if your property is in the Special Flood Hazard Area, check our website's Disaster Links or call the Planning Division with any questions you might have at (813) 749-1123.  

Copies of FEMA Elevation Certificates on many buildings located within the floodplain can be provided.