a stop sign in a flood

Know Your Flood Hazard

When in doubt, request for a Flood Insurance Rate Map “FIRM” Letter from the Village of Estero. The Letter will outline all FIRM details including flood zone, base flood elevation and other details required to obtain flood insurance.

At any time, you can access flood map information about any property by contacting the Village of Estero at  (239) 221-5036, or by visiting the Village of Estero Community Development at 9401 Corkscrew Palms Circle, Suite 101, Estero, Florida 33928.

Find My Flood Zone

Find My Flood Zone

Residents of Estero can use Find My Flood Zone – use the search icon to type in your address,

Find My Flood Zone
Lee County Know Your Hazard

Lee County Know Your Hazard

Additional information for flood hazards can be accessed by the Lee County Know Your Hazard link.

Lee County Know Your Hazard
Definitions

Special Flood Hazard Areas

Special Flood Hazard Areas “SFHA” are land areas which could be covered by floodwaters of the base flood. The NFIP floodplain management regulations must be enforced and where the mandatory purchase of flood insurance applies for federally backed mortgages. The requirement also extends to private mortgage companies backed by the FDIC or other federal agencies.  Therefore, many private mortgage companies also require flood insurance on properties in the SFHA.

Definitions
A copy of the Village of Estero’s flood zone map is provided below:
TypeFile NameDate Modified

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FloodZones 1:20 pm 10/24/2019

Program for Public Information

This information is provided as part of the overall Lee County Multijurisdictional Program for Public Information (PPI) to provide comprehensive flood hazard information to residents and non-residents.

The Village Council approved Resolution 2016-01 supporting this program on January 6, 2016. Approving this program allows points to be assigned to Estero’s Community Rating System and helps to reduce the cost of insurance for village residents.

The PPI Committee is comprised of public and private representatives from each of Lee County’s municipalities, as well as unincorporated Lee County. Its role is to establish an outreach program to broaden the public’s understanding of flood hazards, mapping, and insurance.

The Committee’s overall message focuses on the fact that floods are the most common natural disaster in the U.S. and only flood insurance covers flood damage. Everyone lives in a flood zone – it’s just a question of whether you live in a high, moderate or low risk area.

There are over 4,500 structures in Estero located in the special flood hazard area. However, the National Flood Insurance Program reports that nearly 20% of insurance claims are for properties in moderate to low risk areas. This is why it’s important for everyone to have flood insurance.

Flood Maps

JOINT UNIFIED LOCAL MITIGATION STRATEGY Lee County

Lee County’s Joint Unified Local Mitigation Strategy

Insure Your Property

a flooded florida homeFlooding is the most common natural disaster in the U.S. and only flood insurance covers flood damage to your property and possessions.  Most homeowners insurance covers water damage caused from a broken waterline inside your home, but not water damaged caused by flooding in your neighborhood.

Flooding can be caused from a tropical storm, hurricane, flash floods, or even heavy rains.

Everyone lives in a flood zone – it’s just a question of whether you live in a high, moderate or low risk area.

However, the National Flood Insurance Program “NFIP” reports that nearly 20% of insurance claims are for properties in moderate to low risk areas.

Just a few inches of water from a flood can cause tens of thousands of dollars in damage.  From 2010 to 2014, the average residential flood claim amounted to more than $39,000.

Flood insurance is the best way to protect yourself from devastating financial loss.  Most local property and casualty insurance agents write flood insurance policies.

Flood insurance is available to everyone – homeowners, renters, condo owners/renters, and commercial owners/renters.  Costs vary depending on how much insurance is purchased, what it covers and the property’s flood risk.

Typically, there is a 30-day waiting period from the date of purchase before your policy goes into effect. That means now is the best time to purchase flood insurance.

The Village of Estero is a participant in the NFIP to ensure compliant floodplain management measures to provide protection for the residents of the Village of Estero.  By agreeing to enforce floodplain regulations, flood insurance becomes available to residents and property owners in the Village.  For more information, please refer to Resolution 2016-01.

Updates

CRS Activity 520
How Rain Drains (pdf)
Flood Smart

Flood Smart

Other insurance links can be found at: FEMA’S Flood Smart.

Flood Smart

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