![]() ![]() Galveston has participated in the CRS program, which means residents with flood insurance policies in Galveston are eligible to receive a discount in their flood insurance premiums. The CRS program provides discounts to eligible property owners on their flood insurance premiums in exchange for the city implementing higher standards in floodplain management. The city is also a part of the voluntary FEMA program known as the Community Rating System (CRS). Galveston’s participation in the National Flood Insurance Program (NFIP) allows for the purchase of floodinsurance at a subsidized rate to anyone in the city, regardless of location or loss history. There is a 30-day waiting period before apolicy becomes effective, so don’t delay. ![]() Call your insurance agent today to make sure your policy covers both structure and contents. Usually these policies just cover the building’s structureand not the contents. Some people have purchased flood insurance because it was required by the bank or loan company when they obtained a mortgage or homeimprovement loan. Basic homeowner’s insurance does not cover flood damages. Regardless of what flood zone you’re in, you need flood insurance. The City uses a GIS-based map that includes the effective FIRM and other flood-related information. Contact the Galveston Building Division at 40 or visit the 4 th floor of City Hall located at 823 Rosenberg to see the current FEMA FIRM (August 15, 2019) to find out which flood zone you live in and what kind of risk you are facing. ![]() It’s also important to know where you live in relation to the floodplain so you know your level of risk. The location of a property relative to certain flood zones indicates what restrictions may be placed on new and substantially improved construction. FIRMs are primarily used for flood insurance purposes, but they also provide a basis for Galveston to regulate development within those areas. Hurricane Harvey, in 2017, caused flooding in the Strand when water backed up in the streets.įlood Insurance Rate Maps (FIRMs) are issued by FEMA to identify different levels of flood risks. A 22-foot storm surge inundated Galveston where several homes were flooded from water invading their downstairs enclosures. Recent storm events caused significant damage to the city such as Hurricane Ike in 2008 when several homes were flooded from water invading their downstairs enclosures.
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