The Building Department says a substantial portion of the city lies in designated flood hazard areas. That changes which jobs need a permit. Since July 1, 2026, Florida’s HB 803 has exempted some single-family work under $7,500 from building permits, but the exemption does not reach work on property partly or entirely in a flood hazard area, so the city warns that many projects still need one.
In a Special Flood Hazard Area, work needs a Floodplain Development Permit, a separate process that comes before the building permit. The city’s form sets the minimum lowest floor at base flood elevation plus one foot. If an addition, alteration, repair or improvement equals or exceeds 50 percent of the structure’s value before the work, the entire structure must comply as substantially improved. Enclosed areas below base flood elevation need a recorded Non Conversion Declaration, and the city keeps elevation certificates and these other flood records for public inspection at City Hall.
None of this has to be finished before you sell. We price the home as it stands, with the elevation question counted. If a floodplain permit is still open, tell us early: the city’s terms give a new owner 15 days after a change of ownership to file a new application, and work must stop if that doesn’t happen. This is general information; the Building Department, at 305-485-4526, can confirm what applies to your address.