Flood Protection & Insurance

The City of Coral Gables is particularly susceptible to flooding, it is therefore always important to be aware of the risks and prepared for potential floods

Development Services

Flood Protection

Because the City of Coral Gables is located in a unique geographical area, it is particularly susceptible to flooding from major rain events and storm surge. The city is surrounded by major bodies of water such as the Atlantic Ocean, Biscayne Bay, and many rivers, lakes and canals.

The city lies close to sea level and its underground water supply is just below the ground surface. Therefore, major rain events sometimes leave rainwater nowhere to drain causing occasional flooding in some areas.

For more information on flood protection and related topics at the national level, please visit FEMA .

Flood and Drainage Complaints

To submit a flood or drainage complaint, Request a Service via our city's web portal or call 305-460-5000 between 8 a.m. and 5 p.m. Monday through Friday.

Flood Insurance

Did you know that standard hazard insurance on properties does not cover flood damage? Did you know that flood insurance is required for all federally regulated mortgages in flood zones? Flood insurance is an important coverage to have!

Flood Insurance premiums are calculated based on factors such as:

  • Year of building construction
  • Building occupancy
  • Number of floors
  • Location of its contents
  • Flood risk (i.e. its flood zone)
  • Location of the lowest floor in relation to the elevation requirement on the flood map
  • The deductible you choose and the amount of building and contents coverage

When purchasing flood insurance, the policy will not take effect until 30 days after purchase, so plan ahead! For more information please visit the FEMA flood insurance page or FloodSmart

Flood Elevation Certificates tell you how high your house was built in relation to a flood zone. These certificates are required for all new construction and substantial improvements to a structure.