National Flood Insurance Program

Congress created the National Flood Insurance Program (NFIP) to provide affordable flood insurance to people who in areas with the greatest risk of flooding Special Flood Hazard Areas (SFHA). The NFIP makes federally backed flood insurance available in communities that adopt and enforce floodplain management ordinances to reduce flood damage. This is very important, since property owners who hold a federally backed mortgage must purchase flood insurance if the property in located within a SFHA.

The Community Rating System (CRS) is a program developed by the Federal Insurance Administration to provide incentives for NFIP communities that implement more stringent floodplain standards than the minimum NFIP requirements. The CRS rewards these efforts with discounts on flood insurance premiums. The Town of Lauderdale-By-The-Sea currently holds a Class 8 CRS rating. This classification equates to a 10 percent discount on new or renewing flood insurance policies for all SFHA properties.


Since flooding is the most common natural disaster, it is important that you obtain the maximum protection. You can purchase flood insurance irrespective of where you reside - in high, moderate or low risk areas - and there is no exclusion as to what type of ownership you represent (i.e., homeowner, renter or business owner).

New Flood Maps

FEMA has updated its maps and more than 300 property owners in Lauderdale-By-The-Sea will be required to purchase flood insurance for the first time. To see if you will be impacted, Broward County has an interactive flood map so property owners can see if they fall within the new flood map zones.

View the most recent town flood map (PDF), the interactive flood map, and FEMA's flood elevation certificate form and instructions (PDF).