Remove Your Entire Condo Building or HOA Community from the Flood Zone
One filing. Every unit owner benefits. Zero upfront cost — pay only when the map amendment is approved.
Why Condo Associations and HOAs Should Act Together
When a building or development qualifies for flood zone removal, the entire community benefits at once — not just one homeowner at a time.
Condo Buildings
If your building’s lowest finished floor is above the Base Flood Elevation, the entire structure can be removed from Zone AE — eliminating the mandatory flood insurance requirement for every unit owner simultaneously. One filing covers all floors and all units.
HOA Communities
Many planned communities were built on engineered fill that meets federal elevation standards — but the maps have not caught up. A community-wide map amendment can remove every home in the development from the flood zone at once, saving your entire membership year after year.
The Combined Savings
A single homeowner saves $2,000–$5,000 a year. Multiply across 50–200 units and community-wide savings can reach $200,000–$1,000,000+ annually. The HOA or condo board coordinates the filing on behalf of all residents.
How It Works for Communities
Step 1 — Free Eligibility Review
We review your community’s flood map designation, elevation data, and site characteristics at no charge. Within a few days you’ll know whether the community qualifies.
Step 2 — Elevation Certificate
A licensed surveyor documents the lowest floor elevations. For many newer South Florida communities this already exists and can be used directly.
Step 3 — Map Amendment Filing
We submit the complete package to the national flood mapping program. Map amendment processing time is typically 60–90 days. We track and handle all follow-up.
Step 4 — Every Owner Gets Relief
Once approved, the map amendment removes the flood zone designation from every unit or parcel. Each owner can then drop mandatory flood insurance. You pay nothing until this happens.
Who This Is Right For
- Condo associations with buildings in Zone AE
- HOA boards in South Florida planned communities
- Property managers handling multiple units
- Communities where residents pay mandatory flood insurance
- Developments built on engineered fill above the Base Flood Elevation
- Communities in Miami-Dade, Broward, or Palm Beach County
- New residents with a flood insurance requirement at closing
- Anyone whose lender requires flood insurance despite being on high ground
Frequently Asked Questions
Can a condo board file on behalf of all unit owners?
Yes. The association or board engages us to file a single map amendment covering the entire building. Individual unit owners do not need to file separately. Once approved, every owner benefits.
What if only some units are in the flood zone?
If the building’s lowest finished floor is above the Base Flood Elevation, the entire building can be removed — not just individual units. We evaluate this during the free eligibility review.
Does the association pay upfront?
No. Our pay-on-success model means the association pays nothing until the map amendment is approved and the flood zone designation is officially removed. If we do not succeed, there is no fee.
How long does a community filing take?
Map amendment processing time is typically 60–90 days once the complete package is submitted. We handle the entire submission and all follow-up.
Does this work in Weston, Kendall, Doral, and other South Florida areas?
We serve all of Miami-Dade, Broward, and Palm Beach Counties. Many communities throughout South Florida — Weston, Kendall, Doral, Miramar, Boca Raton, Wellington — have successfully obtained community-wide flood zone removal.
Ready to Find Out If Your Community Qualifies?
Contact us for a free, no-obligation eligibility review. We’ll tell you within days whether your building or community qualifies and what the savings look like.