It is the purpose of the City of Indian Rocks Beach Flood Damage Prevention Ordinance and the flood load and flood-resistant construction requirements of the Florida Building Code to establish minimum requirements to safeguard the public health, safety, and general welfare and to minimize public and private losses due to flooding through regulation of development in flood hazard areas. There is typically a 30-day waiting period after a flood insurance policy is purchased before coverage takes effect. This includes policies purchased by renters, who have purchased flood insurance policies to protect the contents of their residences.įor more information on flood insurance and to find an insurance agent, go to the website. There are approximately 3,000 flood insurance policies in force in the City of Indian Rocks Beach. The National Flood Insurance Program (NFIP) provides federally backed flood insurance within communities such as the City of Indian Rocks Beach that enact and enforce floodplain regulations to regulate development in flood hazard areas. Disaster assistance, if it is available, is typically a loan that must be repaid with interest. Flood damage is not covered by most standard homeowner or business insurance policies. Just a few inches of water can cause tens of thousands of dollars in damage. Wherever rain falls, or coastal storms rage, there can be flooding. Floods are the number-one natural disaster in the United States.
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