Flood Disasters

Everyone is at risk of flooding. By choosing to purchase flood insurance, you can't lose. Flooding is the most common natural disaster in the country. Floods can happen anywhere. Different parts of the same neighborhood can be prone to flooding for different reasons.

In fact, floods are often caused by storms, hurricanes, and water backup due to inadequate or overloaded drainage systems.

Flood Insurance


Since the City of Miami Gardens participates in the NFIP, you can purchase flood insurance at affordable rates from a licensed private insurance company or independent property and casualty insurance agent.

Talk to your insurance agent if you have questions, would like additional information, and/or are ready to purchase a flood insurance policy. Your policy will take effect 30 days after your purchase.

Assistance & Inspections


For free flood assistance and inspections call the Floodplain Management Program at 305-622-8000, ext. 2648.