Flood Protection

For over 10 years, Fernandina Beach has participated in the Community Rating System (CRS) of the National Flood Insurance Program. The City’s class 6 CRS rating results in a 20% discount on flood insurance rates for residents and business owners within a Special Flood Hazard Area (SFHA). For businesses and residents located in a Flood Zone X or not within a SFHA the discount is up to 10%.

Standard homeowner and commercial property insurance policies do not cover flood losses, so the Federal Emergency Management Agency (FEMA) administers this program to meet a vital coverage need. It offers federally backed insurance for people in communities that comply with guidelines for flood plain management.

The Community Rating System awards the City points for complying with FEMA standards, reducing flood risk and damage, improving flood resiliency, and communicating vitality important information to citizens. The following are examples of how the City earns CRS points and helps empower you to protect yourself from flood damage:

If you have unresolved concerns or unanswered questions about FEMA's National Flood Insurance Program, floodplain mapping, or flood mitigation programs, in addition to contacting the City for assistance and information, FEMA's Flood Insurance Advocate is also available to help you.

QUICK TIP: You can find current water levels, tide information, and flood height predictions though our digital mapping system by selecting these links to National Oceanic and Atmospheric Administration (NOAA) and the Nassau County, Florida Property Appraiser's websites. 

 Community Rating System

By following specified practices outlined by FEMA and the Community Rating System (CRS) the City acquires CRS points, and with enough points, community residents and business owners are entitled to a discount on flood insurance rates. The City's efforts to reduce risk from flood damage is reviewed on an annual basis.  

Our practices and efforts have advanced Fernandina Beach to a Class 6 CRS ratingThis  class results in a greater than 20% discount on insurance rates for citizens and businesses located in a SFHA. The City is among the top 1/5 nationally of all participating communities in the CRS program.

 Construction Standards

Map Resources

Emergency Planning



BE A HERO AND GET PREPARED! Kids can help with preparation too! Here are some resources that you may find helpful to get your kids involved with building an emergency kit, preparing before a storm, and explaining hazards.



This table contains a listing of the City's current community outreach projects.
The Traveling Floodplain Photos
2018 FEMA Conference Presentation Photos - Presentation Slides
FEMA Scholarship Award for National Conference  Photos
Farmer's Market Booth "Build Responsibly" Photos
Fernandina Beach Middle School Career Day - 2018 Photos
Floodplain Front Counter Message - April 2018 Photos
Floodplain Front Counter Message - March 2018 Photos
Floodplain Front Counter Message - February 2018 Photos
Floodplain Front Counter Message - January 2018 Photos
Floodplain Front Counter Message - December 2017 Photos
Floodplain Front Counter Message - November 2017 Photos
Floodplain Front Counter Message - October 2017 Photos
Shrimp Festival Booth - May 2017 Photos
Fernandina Beach Middle School Career Day - 2017 Photos
Fernandina Beach Middle School Career Day - 2016 Photos
Shrimp Festival Booth - May 2016 Photos
Poster Contest Winners - 2017 Photos
Stormwater Messaging - Partner Donation Photos
City and County Floodplain Outreach Brochure
Elementary Schools - Book Readings- 2017 Photos
FEMA Resiliency Meeting - February 2018 Photos