Floodplain Management

If you would like verification of whether your property is located in a Special Flood Hazard Area, information on Mandatory Insurance or any other flood related question, please contact our planning staff, at (912) 510-4032.

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Guide to Flood Hazards and How to Stay Safe
Georgia Flood Map Program
St. Marys Flood Map
Hurricane Prep
Camden County Flood Risk Maps
Community Rating System (CRS)

Guide to Flood Hazards and How to Stay Safe
For FEMA Map Services other Flood Resources click here.
Visit FloodSmart.gov - Official Site of National Flood Insurance Program 

Georgia Flood Map Program
If you would like to learn about your flood risk, flood insurance, floodplain regulations, or contact a floodplain official, the Environmental Protection Division of the Georgia Department of Natural Resources has a great website with all that information. Click here for the website.

St. Marys Flood Map
flood map
The city of St. Marys also maintains an online flood map that includes all LOMA & LOMR (Letter of Map Amendment/Removal) updates as presented to the city by FEMA.  The map can be viewed by clicking the link in our sidebar or clicking this link.


Stay Connected - Evacuation Information

Travelers can dial 5-1-1,  -  1 (877) MY-GA-511  -  (694-2511) or use the following resources to receive free travel information.  In the event of an evacuation, message boards will be setup to alert motorists about exit ramp closures/openings as well as locations for gas, food, etc.  Signs will alert the public to selected FM radio stations for weather and traffic updates.  If necessary, Georgia DOT HEROs will patrol the interstates to assist motorists and respond quickly to accidents and disabled vehicles.

Hurricane Prep Tips from ready.gov

Everyone lives in a flood zone. 

Be FloodSmart

When a river floods its banks it can end up draining yours. Just a few inches of floodwater can end up costing thousands of dollars in repairs, and flood damage isn't covered by homeowners insurance policies. Don't risk your home. Call your insurance agent for a flood insurance quote today.

National Flood Insurance Program (NFIP) policies can be purchased through thousands of insurance agents nationwide. The agent who helps you with your homeowners or renters insurance may also be able to help you with purchasing flood insurance. Here is a list of participating Write Your Own (WYO) companies.

If your insurance agent does not sell flood insurance, you can contact the NFIP Help Center at 800-427-4661. NFIP flood insurance policies can only be purchased for properties within communities that participate in the NFIP. Ask your agent if your community participates, or look it up online in the Community Status Book.

Reduction of St. Marys Flood Insurance Premiums Starts May 1st

The City of St. Marys entered into the Community Rating System (CRS) on June 24, 2015. The Community Rating System (CRS) is a national program developed by the Federal Emergency Management Agency (FEMA) and is a voluntary program for communities to participate in to encourage community floodplain management. In exchange for a community’s proactive efforts to reduce flood risk, policy holders receive reduced flood insurance premiums for buildings in the Special Flood Hazard Area (SFHA).

St. Marys was very fortunate to enter in the CRS program as a Class 7 which results in a 15% reduction of flood insurance for policy holders in the Special Flood Hazard Area (SFHA). Effective May 1, 2016, all new flood insurance policies, for properties in the SFHA, will receive a 15 % reduction applied to their insurance premium. All existing flood insurance policies, for properties in the SFHA, will receive a 15% reduction on policies renewed after May 1, 2016 resulting in an average annual savings of $107 a year. With the increasing costs of flood insurance, a 15% reduction will continue to be a significant savings. The City is continuing to work to lower our CRS class to provide even further reductions. If you have questions regarding the CRS program or properties located in Special Flood Hazard Areas, please contact the Community Development Department at (912) 510-4032.
Press Release: May 1, 2016 - Reduction in Flood Insurance Premiums

 FEMA Releases Preliminary Flood Maps 

FEMA has just released Preliminary Copies of the Flood Insurance Rate Map (FIRM) and Flood Insurance Study (FIS) report for Camden County, Georgia and Incorporated Areas, including St. Marys, for review and comment. The new maps can be found digitally online at https://hazards.fema.gov/femaportal/prelimdownload/ or in the City of St. Marys’ Community Development Department, City Hall, 418 Osborne St. 

The review period provides community officials and citizens in the affected communities with and opportunity to identify changes or corrections to non-technical information, such as corporate limits, road names, and stream names on the FIRM or in the FIS Report. All comments and changes received during this review period will be incorporated, as appropriate, before the FIRM and FIS report become effective.

Camden County Flood Risk Maps

Have a look at your new flood mapping here, at the state's Preliminary Digital Flood Insurance Rate Map (dFIRM).

The new preliminary maps were released through a partnership among the counties, their municipalities, the Georgia Department of Natural Resources and the Federal Emergency Management Agency. They are more precise than older maps because better flood hazard and risk data make the maps more accurate. The ultimate goal is protecting property owners and the community from the risks associated with flooding. Over time, flood risks change due to construction and development, environmental changes, floodplains widen or shift, and other factors. Flood maps are updated periodically to reflect these changes.

Home and business owners, renters, realtors, mortgage lenders, surveyors and insurance agents are encouraged to attend the open house. All who attend can meet with specialists to ask questions and learn more about flood risk and hazard mitigation within their communities.

By law, federally regulated or insured mortgage lenders require flood insurance on buildings that are located in areas at high risk of flooding. Standard homeowners’, business owners’, and renters’ insurance policies typically don’t cover flood damage, so flood insurance is an important consideration for everyone. Flood insurance policies can be purchased from any state licensed property and casualty insurance agent. Visit www.floodsmart.gov or call 888-379-9531 for more information about flood insurance and to locate a local agent.

Floodplain Management assists customers in meeting the requirements of the City of St. Marys Flood Damage Prevention Ordinance and the National Flood Insurance Program (NFIP). 

Community Rating System (CRS)

The City of St. Marys participates in the National Flood Insurance Program's Community Rating System (CRS) which is a voluntary program, which, based on activities performed by the community determines a discount from 5 percent to 40 percent on flood insurance rates.  The City of St. Marys has entered the CRS program with a CRS Classification of 7 which results in a 15% premium reduction to all policy holders located within the Special Flood Hazard Area.  Effective May 1, 2016, all new flood policy holders will see a 15% reduction with the issuance of their policy and all existing policy holders will see their 15% reduction with the renewal of their policy after May 1, 2016.  

If you would like information regarding the following items noted below or have other questions, please contact the St. Marys Community Development office, at (912) 510-4032.   
Flood Photo

  • City’s Flood Insurance Rate Map,
  • What the base flood elevation is for your property,
  • Whether a property has had repetitive flood losses,
  • If a property is located in a sensitive or wetland area,
  • Whether a property is known to be located in a problem area in regard to drainage problems.  

The City of St. Marys also has copies of elevation certificates on file on all structures constructed or substantially improved in the floodplain since January 2014.

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