Flood Zones, FEMA, and the Barrier Island

Flood Zone Determinations

The National Flood Insurance Program Community Rating System (NFIP/CRS) has issued a Classification of 8 to the City of Hollywood. This classification equates to a 10 percent premium reduction for all National Flood Insurance policy holders within Hollywood.

Standard homeowner insurance policies do not cover losses due to flooding. The National Flood Insurance program provided by the Federal Emergency Management Administration (FEMA) makes flood insurance available to everyone in the City whether they live in a floodplain or not. Information on the costs and coverages of flood policies can be obtained from your insurance agent. If you own your home you can purchase coverage for the structure and the contents, if you rent you can purchase coverage for the contents of your rental property.

In most cases there is a 30-day waiting period before the flood insurance policy becomes effective. For most people, a home and its contents are their greatest investment so by maintaining flood insurance you are protecting yourself from a devastating loss.

Click here to view a map that identifies the portions of Hollywood that lie within a floodplain.

If you need assistance in determining if you are located within a floodplain, please call Engineering and Construction Services at 954.921.3930. Please leave your name, phone number, and your address to be checked. A representative will call you back once the search has been completed.

Additional documents about flooding and other subjects can be found at the Federal Emergency Management Administration's (FEMA) website.

The Coastal Barrier Resources System

A Coastal Barrier is a unique landform that provides protection for diverse aquatic habitats, and serve as the mainland's first line of defense against the impacts of coastal storms and erosion. Coastal Barriers are naturally occurring islands, sandbars, or other strips of land, including coastal mainland, that protects the coast from severe wave wash.

Congress recognized the vulnerability of coastal barriers to development by passing the Coastal Barrier Resources Act (CBRA) in 1982. The purpose of this Act is to minimize the loss of human life, wasteful expenditure of Federal revenues, and damage to fish, wildlife, and other natural resources associated with coastal barriers along the Atlantic and Gulf of Mexico coasts. The CBRA restricts Federal expenditures and financial assistance that have the effect of encouraging development of coastal barriers. The CBRA, while not prohibiting privately financed development, prohibits most new Federal financial assistance, including Federal flood insurance, within a designated Coastal Barrier Resources System (CBRS).

In 1990, Congress passed the Coastal Barrier Improvement Act (CBIA). The CBIA tripled the size of the System established by the CBRA. The CBIA also prohibits the issuance of new Federal flood insurance within "otherwise protected areas" on buildings constructed after November 16, 1991, unless the building is used in a manner consistent with the purpose for which the area is protected. Otherwise Protected Area's (OPA's) are generally used for certain activities such as fish and wildlife research and refuges.

CBRA/OPA Zones: Land areas designated as undeveloped coastal barriers. These areas are shown on flood insurance map panels and have certain coverage restrictions. There are two CBRA zones within the City of Hollywood, FL-20P and P14A.

Flood insurance not available for structures newly built or substantially improved on or after October 1, 1983 in designated coastal barriers.

Flood insurance not available for structures -- newly built or substantially improved on or after November 16, 1991 -- not used in a manner consistent with the purpose of the otherwise protected area.

If you need assistance in determining whether or not you are located within a CBRA in the City of Hollywood, please call 954.921.3939. There is no cost for this service for properties within City limits.