Flood Zones: Melbourne vs Palm Bay
How do flood zones rules compare between Melbourne, FL and Palm Bay, FL?
Melbourne and Palm Bay have similar restriction levels.
Melbourne, FL
Brevard County
Melbourne has significant FEMA flood zones along Crane Creek, the Indian River Lagoon, and Turkey Creek. New construction in Special Flood Hazard Areas must be elevated to Base Flood Elevation plus one foot of freeboard. The city participates in NFIP Community Rating System for reduced premiums.
View full Melbourne rules →Palm Bay, FL
Brevard County
Palm Bay participates in FEMA's National Flood Insurance Program with a CRS Rating of 7, providing residents a 15% discount on flood insurance. The 2014 DFIRM removed approximately 2,000 structures and 5,000+ lots from the Special Flood Hazard Area. Floodplain permits required for construction in flood zones.
View full Palm Bay rules →Key Facts Comparison
| Fact | Melbourne | Palm Bay |
|---|---|---|
| Flood Areas | Crane Creek, IRL, Turkey Creek | - |
| Freeboard | BFE plus one foot | - |
| Insurance | Required in SFHA | - |
| NFIP | CRS participant | - |
| CRS Rating | - | 7 (15% insurance discount) |
| DFIRM Date | - | March 17, 2014 |
| Removed from SFHA | - | 2,000+ structures |
| Contact | - | (321) 952-3400 ext. 5246 |
Highlighted rows indicate differences between cities.
Melbourne FAQ
Is my property in a flood zone in Melbourne?
Melbourne has significant FEMA flood zones along Crane Creek, the Indian River Lagoon, and Turkey Creek. New construction in Special Flood Hazard Areas must be elevated to Base Flood Elevation plus one foot of freeboard. The city participates in NFIP Community Rating System for reduced premiums.
Do I need flood insurance in Melbourne?
Flood Areas: Crane Creek, IRL, Turkey Creek. Freeboard: BFE plus one foot. Insurance: Required in SFHA. NFIP: CRS participant.
Palm Bay FAQ
Is my property in a flood zone in Palm Bay?
Palm Bay participates in FEMA's National Flood Insurance Program with a CRS Rating of 7, providing residents a 15% discount on flood insurance. The 2014 DFIRM removed approximately 2,000 structures and 5,000+ lots from the Special Flood Hazard Area. Floodplain permits required for construction...
Do I need flood insurance in Palm Bay?
CRS Rating: 7 (15% insurance discount). DFIRM Date: March 17, 2014. Removed from SFHA: 2,000+ structures. Contact: (321) 952-3400 ext. 5246.
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