The City's Community Rating System is currently a 7. This rating saves policy holders 15% on their policy if the homeowner is in a Special Flood Hazard Area (SFHA).
The City of Lakeland participates in the National Flood Insurance Program and adopted floodplain management regulations on December 19, 2016 via ordinance 5615. As a result, the City "adopted the requirement to increase the minimum elevation requirement and to require buildings that sustain repetitive flood damage over a 10-year period to be included in the definition of "substantial damage," for buildings and other structures in flood hazard areas prior to July 1, 2010". This requirement is coordinated within Florida Building Code. You may request a copy of the ordinance via staff. These requirements may also be found within Florida Building Code, Residential, reference books, section R-322 Flood Resistant Construction.
Our residents should be aware of flood risks to your property. Hurricanes, and other storms can create runoff and flooding problems in our area. The National Flood Insurance (NFIP) offers flood insurance as do insurance agents and they can assist you in determining your insurance needs. There are also tools for residents to view flood maps of your area to assist in determining whether you are in a high-risk area. Use the Flood Map Service Center provided by FEMA to learn about your area.