National Flood Insurance Program and Community Rating System
The City of Steamboat Springs participates in the National Flood Insurance Program (NFIP) and the Community Rating System (CRS). Participation in the NFIP allows City property owners to secure flood insurance, and by participating in the CRS, our property owners receive lower annual rates than those in non CRS-participating communities.
A basic premise of the NFIP is to minimize property damage from flood-related events. The City seeks to meet this goal by requiring new construction and any substantial improvement within the Special Flood Hazard Area (SFHA) or floodplain/floodway to obtain a Floodplain Development Permit.
Generally, all new construction and substantial improvements are required to be elevated to a certain height above existing grade as specified by the Flood Insurance Rate Maps (FIRM) and the related Flood Insurance Study (FIS). Development within a floodway is regulated to a higher standard due to the sensitivity of those areas.
Know Your Flood Hazard - Find out if your property is located within or near a Special Flood Hazard Area and view a list of properties with Elevation Certificates on file.
Be Prepared - Find information on flood insurance, high water preparedness, building responsibly, and floodplain protection.
Floodplain Development Permit - Find the adopted Flood Damage Prevention ordinance and Floodplain Development Permit application and required forms.