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Flood Information

Flood Program Overview
Since 2010, FEMA awarded the City of Destin and the city has maintained a Community Rating System (CRS) Class 6 rating which puts the City in the top 15% of communities nationwide.  All City of Destin National Flood Insurance Program (NFIP) Insurance Policyholders in the Special Flood Hazard Area (Zones A and V) began receiving a 20% premium discount beginning May 1, 2010.  In total, flood insurance policyholders in Destin realize a savings of about $482,783 each year because the City participates in the CRS.

The CRS is a method for FEMA to assess and rate municipal efforts in flood prevention measures. The City of Destin has received an improved rating, thereby lowering insurance premiums. 

The city works to provide public outreach regarding flood protection, floodplain management, flood safety and warning information, flood maps and flood insurance.

Additional flood information may be found at the FEMA website, State of Florida Division of Emergency Management website and also at the official website of FloodSmart - National Flood Insurance Program (NFIP).

Flood Reference Library
The City of Destin Public Library also has flood protection reference materials available to the public. These include:

  • Flood insurance rate maps (FIRMs)
  • State and federal information on flood insurance and protection
  • Contact agencies
  • Publications on flood damage, flood protection and building techniques

Residents are urged to review these materials at the Destin Library.

Karen Haynes

Shelby DeSoto
Administrative Assistant

Destin City Hall Annex
4100 Indian Bayou Trail
Destin, FL 32541

Ph: (850) 837-4242
Fx: (850) 460-2171

Monday – Friday
8 a.m. – 5 p.m.

Building Division Hours
Monday – Friday
7 a.m. – 4 p.m.