If a Clearwater home sits below the 100-year flood elevation, the city’s flood damage prevention rules decide how it can be repaired. When restoring storm damage, or a remodel or addition, would cost 50 percent or more of the structure’s market value, the building counts as substantially damaged or improved and has to be brought into compliance, which can mean raising the lowest floor, along with the electrical and mechanical equipment, bathrooms and laundry, to or above that elevation.
The Planning and Development Department starts from the tax-assessed value of the structure, not the land, and an owner who disagrees can submit an appraisal from a state-licensed appraiser. The repair side has to be a complete estimate signed by a licensed general contractor, with affidavits from the contractor and the owner that it covers all of the damage, not just the structural work. The city’s interactive flood map shows a property’s flood zone, base and design flood elevations, and its substantial improvement status.
None of this has to be settled before you sell. We price the house as it stands, with the elevation question as part of the offer, so you don’t have to hire a contractor, file the review or decide whether to rebuild or raise it.