Know Your Flood Hazard

Because the Village of Palmetto Bay is located in a unique geographical area, it is susceptible to flooding from major rain events and storm surge. Your property, along with the majority of the Village, is located in or near a Special Flood Hazard Area (SFHA) as determined by the Federal Emergency Management Agency (FEMA). Properties that are located within or near the SFHA, also known as flood zones, are more prone to personal and property damages when flooding occurs during or soon after heavy rainfall.

Stormwater Runoff


Stormwater runoff within the Village of Palmetto Bay either infiltrates into the ground, or it is conveyed through a network of pipeline that discharges into the C-100 series of the Cutler Drain Canal. The C-100 is made up of four sections (C-100, C-100A, C-100B, and C-100C), and is operated and maintained by the South Florida Water Management District (SFWMD).
These canals run within the municipal boundaries of the Village of Palmetto Bay and when major rain events occur, the capacity of the canals and local drainage pipeline is exceeded and flooding occurs.

Flood Insurance Rate Map


There is a possibility that your property and its contents will witness damages as a result of flooding. Please take the time to identify your property on the Flood Insurance Rate Map (FIRM) and determine which flood designation zone your property lies in. Once you have determined where your property lies in, an Elevation Certificate can tell you how high your house was built in relation to that flood zone.

Coming soon: You will be able to view your Elevation Certificate here.