FEMA National Flood Insurance Program

Community Rating System

     The City of Oviedo is an active participant of the FEMA National Flood Insurance Program Community Rating System.  Our governmental participation through the City of Oviedo Comprehensive Emergency Management Plan, Storm Water Master System, Debris Management, and other governing criteria, has resulted in the ability of residents to apply for insurance premimum discounts from your insurance carrier for the "flood insurance" category of your policy.

     The City of Oviedo has been a participant since 1979 of the FEMA National Flood Insurance Program which is managed by the Federal Insurance Administration.  The City of Oviedo National Flood Insurance Program assigned participant number is 120293.  This assignment number may be requested by your insurance carrier when you apply for flood insurance coverage. 

     The City of Oviedo manages a Master Storm Water System including over 200 retention water ponds, tributaries, streams, lakes as well as the drainage system throughout the Oviedo Community.  Year round maintenance results in a successful Master Storm Water System that is effective in moving rainfall quickly during a high rain event.   You may however experience localized flooding during heavy rainfall periods, although this normally diminishes shortly after a passing storm.  Typical residential flooding occurs as a result of changes made to adjacent properties such as the addition of landscaping, trees, privacy fences, swimming pools, etc., and is not the responsibility of the City of Oviedo.

     Please partner with us in maintaining the Master Storm Water System by not placing debris or materials that may damage the system or cause water flow backups such as grass clippings, landscape debris, and never dispose of automotive chemcials, cleaning chemicals, law maintenance chemicals, etc., in the inlets and other parts of the Sorm Water System.  Please report immediately any of the above issues to 407-971-5668 and attempt to provide exact address, situation, description of violator/vehicle.

     This outstanding rating for the Oviedo community, allows you to apply up to the following maximum flood insurance amount:

Building Maximum Coverage

                              Single Family Dwelling                              $250,000

                              Other Residential                                       $250,000

                              Non-Residential                                          $500,000

                              Small Business                                          $500,000

Contents Maximum Coverage

                              Residential                                                   $100,000

                              Non-Residential                                          $500,000

                              Small Business                                          $500,000

     The City of Oviedo does not specify nor require that you purchase flood insurance as part of your home or business insurance policy.  We suggest you consult your insurance carrier and evaluate your individual flood risk.  You may also wish to visit the FEMA web site and review the content related to flooding, and also review the FEMA Flood Insurance Rate Map.  This information can be found by visiting:

www.floodsmart.gov