Capital City of the Palm Beaches

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Since homeowners or renters insurance policies do not cover losses due to flooding, the City strongly urges you to buy or continue your flood insurance to protect yourself from potentially devastating losses. West Palm Beach participates in the National Flood Insurance Program (NFIP) and Community Rating System (CRS). Because of the City's participation in the CRS program, the residents receive up to a 20% discount on their NFIP premiums. Contact your insurance agent for information. Tenants may also insure their personal property against flood loss.

The average annual premium for this insurance is $250.00. The actual cost will vary depending upon amount of coverage and degree of flood hazard. We urge people who live or own property in flood hazard areas to purchase flood insurance to protect themselves from losses due to flooding. There is a 30-day waiting period before NFIP coverage takes effect. In addition, flood insurance is required in certain instances, such as the purchase of a home with a federally backed mortgage. (If there are no mortgages on your property, it is still advisable to protect your property with flood insurance.)

For further flood insurance information, go to www.floodsmart.gov