Madison County is a participating member of the National Flood Insurance Program's (NFIP) Community Rating System. The Community Rating System (CRS) is a voluntary program for NFIP-participating communities. The goals of the CRS are to reduce flood losses, facilitate accurate insurance rating, and promote the awareness of flood insurance.
The CRS has been developed to provide incentives for communities to go beyond the minimum floodplain management requirements to develop extra measures to provide protection from flooding. The incentives are in the form of premium discount points. Madison County is currently is rated as a CRS Class 8. This means that properties located in designated Special Flood Hazard Areas (SFHA), Zones A, AE, A1-30, V, V1, AO, and AH, are eligible for a 10% discount on flood insurance premiums. Properties located in designated SFHA, Zones A99, AR, AR/A, AR/AE, AR/A1-30, AR/AH, AR/AO, B, C, X, and D, are eligible for a 5% discount on flood insurance premiums.
To determine what flood zone your property is located in, contact a staff member in the Building Department at (850) 973-6785 / (850) 973-6739 or the Planning / Zoning Department at (850) 973-3179. The Building / Zoning Departments are also available to provide information about the Flood Insurance Rate Maps to the public (FIRM). Inquiries can be made via telephone, fax, e-mail, or in person; please provide a legal description / parcel identification of the land in question.
Inquiries made via e-mail should be directed to the following: firstname.lastname@example.org or email@example.com.
For important facts regarding flooding, please download the information packet below. You may also visit the following sites for additional details: