Repetitive Loss

Icon of repetitive Loss Area

A repetitive loss is when a home, business, or structure are in an area that has experienced flooding at least two times in any 10-year period.

photo of hurricane from the air

Consider Permanent Protection Measures

  • Elevate your home or place of business above flood levels
  • Place your mechanical equipment above flood levels
  • Install flood openings to equalize the pressure of flood waters
  • Remove furniture and valuables from lower enclosures

For more information on ways to protect property, get a copy of the current FEMA P-312, Homeowner’s Guide to Retrofitting from your local Floodplain Official.

Check With Floodplain Official Before Planning A Project

All development in special flood hazard areas requires a permit. Be sure to check with your local Floodplain Official before planning any building projects.

hurricane flooding icon


  • Know how to shut off the electricity and gas to your house prior to a flood.
  • Make a list of emergency numbers and identify a safe place to go in the event of a flood.
  • Make a household inventory list (videos, pictures), especially of the most flood-prone level of your house.
  • Visit to determine your evacuation zone.
  • Go to to create an emergency plan. Practice the plan so your family will know what to do in a crisis.


Currently, FEMA administers a Flood Mitigation Assistance (FMA) Program that may help with the cost of elevating certain structures that have been flooded several times. If you have filed flood insurance claims on your structure two or more times that were valued at $1000 or more, in any 10-year period, you may qualify for a grant under the FMA Program. Call your local floodplain official or visit FEMA’s Website at


Hire only licensed and insured contractors


  • Homeowner’s insurance policies do not cover damage from floods. However, thanks to your community’s participation in the National Flood Insurance Program you may purchase a separate flood insurance policy backed by the Federal government. These policies are available to everyone, including coverage for properties that have been flooded in the past.
  • Be sure your flood insurance policy includes coverage for the contents of your structure. If you purchased flood insurance because it was required by your lender to obtain a mortgage or home improvement loan, check your policy to be sure you also purchased flood insurance to cover contents. A flood event can cause more damage to the furniture and contents than to the structure.
  • Flood insurance will help pay for repairs after a flood and, in some cases, will help pay the costs of elevating a substantially damaged building. Don’t wait for the next flood to buy insurance protection. In most cases, a 30-day waiting period is required before the National Flood Insurance Program coverage takes effect.
  • Contact your insurance agent for more information regarding rates and coverage.


Natural areas in all of Monroe County contribute to the retention of flood waters, improve water quality and offer refuge for endangered species. Please help these areas remain natural and beautiful by reporting any illegal dumping or clearing.

Complete A Code Compliance Form:

Unincorporated Monroe County

City of Marathon

Islamorada, Village of Islands

Call the City of Key West

Code Enforcement at 305-809-3739 (after business hours 305-809-1111)

Call or Email the City of Key Colony Beach

Call: 305-432-0086; Email: