Flood Hazard Information

The City of Opa-locka has applied through the Federal Emergency Management Association and may receive a 25% discount for Special Flood Hazard Areas (SFHA) and 10% discount for non-SFHA on Flood Insurance for City of Opa-locka homeowners. During extended periods of heavy rainfall, low lying neighborhoods within the City are subject to flooding. Since you are in a flood hazard area, this information will address areas to protect you and reduce loss of value to your property as a result of floods.

Flood Hazard: A flood hazard can occur when tropical storms, hurricanes or other heavy rainstorms are apparent.

Flood Warning System: Miami-Dade County depends on the National Weather Service (NWS) for flood recognition. The NWS will issue a flood advisory for Miami-Dade County at least six (6) hours before expected rainfall would overflow drainage systems and cause the isolation of structures by the inland ponding of flood waters. Stay tuned to local TV or radio stations known to have an active news bureau for information. When flood warnings are issued, it will be done by sirens and loudspeakers from police and fire vehicles who will give evacuation routes.

Flood Safety: If you are advised to evacuate, turn off utilities at the main switches or valves. Disconnect electrical appliances, but do not touch any electrical equipment if you are wet or standing in water. Avoid running washes or unstable banks.

Flood Insurance: Flooding is not covered by normal homeowners’ insurance but flood insurance is available in the community through the National Flood Insurance Program. This insurance is backed by the Federal Government. Once flood insurance is obtained, there is a 30-day delay before the policy is in full force and effect.

Floodplain development permit requirements: All developments under construction need permits. Contact the Community Development Department at 780 Fisherman Street, 4th floor or call 305-953-2868 prior to any construction activities or to report illegal floodplain development.

Substantial Improvement Requirements: The National Flood Insurance Program requires that if the cost of reconstruction, rehabilitation, addition, or other improvements to a building equals or exceeds 50% of the building’s market value, then the building must meet the same construction requirements as a new building. Substantially damaged buildings must also be brought up to the same standards. 

Drainage system maintenance: It is illegal for any direct or indirect entry of any solid, liquid or gaseous matter to enter the drainage system. Proper drainage will help reduce the risk of flooding. We inspect the drainage system and remove blockages that are found or reported.

Map Determinations: The City provides map determinations to let you know if you are in a flood hazard area and if you are required by Federal Law to carry flood insurance. To obtain a map, call 305-953-2868 or click on the "Flood Insurance Rate Map" link below.

Site Visits: Upon request, the property owner will be provided with a review of potential flooding, drainage, and sewer problems. Call 305-953-2828.

Important Links

City Maps & Flood Elevation Certificate