In Pasco County, flooding can result from several inches of rain falling over a short period of time; from several days of continuous rain; from lakes or rivers overflowing their banks; from tropical storms or hurricanes; from storm surges from the Gulf of Mexico; or from local drainage problems.
National Flood Insurance Program
On November 18, 1981, Pasco County joined the National Flood Insurance Program (NFIP) so that property owners within Pasco County would have flood insurance available to them.
If you are looking at acquiring property, it is a good idea to investigate your flood risk. Homeowners insurances do not cover flood damage. Talk to your insurance provider about your policy and consider if you need additional coverage based on your flood risk. The NFIP is a means for property owners to financially protect themselves in case of flood damage. Under the NFIP homeowners, renters, and business owners can obtain flood insurance. To find your flood risk, estimate your premium and learn more about the NFIP.
For more information on flood protection and related topics at the national level, please visit the Technical Bulletins page on the FEMA website .
Know Your Flood Risk
The Federal Emergency Management Agency's (FEMA) detailed digital flood hazard maps reflect current flood risks for Pasco County.
The latest maps, also referred to as Flood Insurance Rate Maps (FIRMs) are in a digital format known as Digital Flood Insurance Rate Maps (DFIRMs). The DFIRMs, along with the Flood Insurance Study (FIS) (PDF) became effective September 26, 2014 after an 18-month Flood Map Modernization process. The maps illustrate flood hazards throughout the County and are used when determining flood insurance policy rates. Residents and businesses can view the maps to better understand their potential flood risks to help identify steps they may need to take to protect against property damage and loss.
View the FIRMs using Pasco County's and FEMAs interactive web tools.
Homeowners insurances do not cover flood damage. Find out if you should or are required to have Flood Insurance.
Flood Elevation Certificates tell you how high your structure was built in relation to a special flood hazard area requirement. These certificates are required for all new construction and substantial improvements to a structure.
Stay Safe During Floods. Know the Flood Warning System and Notification options. Be prepared, Have a Plan. Review the Pasco County Disaster Planning Guide (PDF). Learn your Evacuation Zone and available Storm Shelters (PDF), including those for special needs and pets.
Protect Your Property
Learn what you can do to Protect Your Property. Learn what can be done to prepare for, mitigate against and recover from a flood event.
Learn the Building and Development Regulation Rules and Regulations that govern building and site development in a special flood hazard area in Pasco County.
Natural Floodplain Functions
Learn about Floodplains and their Natural Benefits.
Drainage System Maintenance
Learn about the watersheds and drainage systems within Pasco County and how everyone can do their part in keeping the drainage systems in working order.
Hurricane Preparedness - Are You Ready?
Have a Plan, learn vital preparedness informationincluding protecting your home, family, and pets; what to expect after the storm; insuring against disaster; and much more.
Real-Time Stream-Gaging and Watercams
For more information on the NFIP, determining flood risk, elevation certificates along with building and development requirements select any of the topics on the left or right, review the Flood Information Brochure (PDF), send an inquiry to Floodplain Information, visit the Building Construction Services Department at 8731 Citizens Drive, New Port Richey, Florida or via telephone at (727) 847-8126.