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Building & Repairing: You had a flood, now what?

You and your family’s safety are most important, act safely!

  • Pay attention to authorities for information and instructions. Return home only when authorities say it is safe.
  • Avoid wading in floodwater, it can be contaminated and contain dangerous debris.
  • Be aware of the risk of electrocution. Do not touch electrical equipment if it is wet or if you are standing in water.
  • Turn off the electricity to prevent electric shock if it is safe to do so.
  • Underground or downed power lines can also electrically charge the water.
  • Wear heavy work gloves, protective clothing and boots during clean up and use appropriate face coverings or masks if cleaning mold or other debris.
  • Children should not take part in disaster cleanup work; it is not safe.
  • Contact your flood insurance company –your regular homeowner’s insurance will not cover the costs.

You must have a building permit to perform any work on your home!

According to the Osceola County Code, whether you do your own repairs or hire a contractor, you must obtain a building permit. Click here to apply for a building permit.

Additionally, if you live in a flood zone, a damage determination must be made on the actual cost to repair the damage. The code says if your damages equal 50% or more of the building value, your home or building must be brought up to the current building code requirements. This includes elevating the building to above the base flood elevation.

Click here to learn more ab out flood insurance through FEMA's Flood Smart website.

Flood Insurance can help give you peace of mind in protecting your home or business. Learn more about flood insurance.