Miramar City Commission updates floodplain management code to enhance insurance discounts

Miramar's City Commission has taken a significant step towards enhancing flood management and insurance benefits for its residents. During the regular meeting on June 17, 2025, the commission approved a comprehensive amendment to the city's land development code, specifically targeting floodplain management regulations.

The amendment, presented by Takisha Jordan, Assistant Director of the Building Planning and Zoning Department, aims to align Miramar's flood management practices with federal standards set by the National Flood Insurance Program (NFIP). This initiative is crucial as it not only updates the city's floodplain management criteria but also seeks to improve the community's rating within the NFIP's Community Rating System (CRS). Currently, Miramar holds a CRS rating of 8, which provides residents with a 10% discount on flood insurance premiums. The proposed changes could elevate this rating to 5, potentially increasing discounts to 25% for property owners.

Key features of the amendment include raising the minimum elevation requirement for buildings in flood zones from one foot to two feet above the base flood elevation. This adjustment is designed to enhance flood resilience and reduce the risk of flood damage. Additionally, the amendment consolidates and clarifies definitions related to flood management, ensuring compliance with the Florida Building Code and FEMA standards.

The commission emphasized the importance of these updates, noting that they would not only protect existing structures but also streamline the process for future developments. Existing buildings will be subject to the new regulations only if they undergo substantial improvements or repairs exceeding 50% of their market value.

The meeting also highlighted the city's ongoing commitment to floodplain management, with plans to further improve its CRS rating through additional measures. As the city continues to adapt to changing environmental conditions, these amendments represent a proactive approach to safeguarding the community and enhancing the financial well-being of its residents.

In conclusion, the approval of this flood management amendment marks a pivotal moment for Miramar, positioning the city to better protect its residents from flood risks while also providing significant financial benefits through reduced insurance premiums. The city is set to implement these changes promptly, with the aim of fostering a safer and more resilient community.