One line for three counties
South Florida's three big counties run together along the Atlantic coast from Homestead north through Palm Beach County, and so does its water damage: the same rainy season, the same hurricane season, the same king tides and the same mix of single-family block homes, townhouses and condo towers. What changes from county to county is the paperwork: who keeps the flood maps, which building code zone applies, and which city department answers drainage questions.
Dominion Water Damage covers all three with one free number. It is not a restoration company. It answers, asks what happened, and transfers your call to an independent, locally owned company that serves your town, which inspects, quotes, does the work and is paid by you directly.
The three counties at a glance
Miami-Dade
FEMA flood maps in effect since September 11, 2009, with 2021 preliminary maps not yet effective, according to the county. Flood Zone Hotline: 305-372-6466. In the High-Velocity Hurricane Zone.
Broward
New FEMA flood maps effective July 31, 2024; the county viewer shows both the 2024 and the superseded 2014 designation for each parcel. Also in the High-Velocity Hurricane Zone.
Palm Beach
FEMA's updated flood zone maps took effect December 20, 2024, the county says. Palm Beach is not held to the High-Velocity Hurricane Zone standards that apply to Miami-Dade and Broward.
Tampa Bay
The line also covers the Tampa Bay area. In 2024, Hurricane Helene set water level records at East Bay, Old Port Tampa, Clearwater Beach and St. Petersburg, and Hurricane Milton followed two weeks later with more than 18 inches of rain in St. Petersburg. Each county below has its own flood zone lookup.
Hillsborough County towns
Tampa
Hillsborough County
A city on the north shore of Tampa Bay that set a water level record at East Bay during Helene.
Brandon
Hillsborough County
An unincorporated community of more than 114,000 people, about 11 miles east of downtown Tampa.
Riverview
Hillsborough County
A fast-growing community founded on the Alafia River, up about 51 percent in ten years.
Plant City
Hillsborough County
The winter strawberry capital, an inland city on sandy, poorly drained soils along Interstate 4.
Valrico
Hillsborough County
An east Hillsborough community where homes and businesses near the Alafia River flooded after Milton.
Lutz
Hillsborough County
An unincorporated community that straddles the Hillsborough and Pasco county line.
Ruskin
Hillsborough County
A community founded on the Little Manatee River, home of the Ruskin Tomato Festival.
Pinellas County towns
St. Petersburg
Pinellas County
A peninsula city between Tampa Bay and the Gulf, hit by a record surge from Helene and more than 18 inches of rain from Milton.
Clearwater
Pinellas County
The Pinellas County seat, split between the mainland and a barrier island, with a record Helene water level at Clearwater Beach.
Largo
Pinellas County
The third-largest city in Pinellas County, between the Intracoastal and Tampa Bay.
Palm Harbor
Pinellas County
An unincorporated community in north Pinellas, unusually hilly for Florida, with no city government of its own.
Tarpon Springs
Pinellas County
The oldest incorporated city in Pinellas County, known for its Greek heritage and Spring Bayou.
Pasco County towns
Wesley Chapel
Pasco County
A Pasco County suburb that grew from under 6,000 people in 2000 to nearly 65,000 in 2020.
Land O' Lakes
Pasco County
A Pasco County community near Cypress Creek, which broke its flood record after Milton.
New Port Richey
Pasco County
A Pasco County city on the Cotee River, where the tide gauge stopped reporting during Helene.
Miami-Dade County towns
Miami
Miami-Dade County
High-rise condos from Brickell to Edgewater, older block homes in Little Havana and Allapattah, and a city that sits about 6 feet above sea level.
Miami Beach
Miami-Dade County
Barrier islands averaging 4.4 feet above sea level, Art Deco buildings from 1923 to 1943, pumps, raised streets and king tides.
Doral
Miami-Dade County
A newer city west of Miami International Airport, on low ground beside the Everglades, with mostly post-1980 housing.
Hialeah
Miami-Dade County
More than 220,000 people at over 10,000 per square mile, where nearly nine in ten residents speak Spanish at home. The line answers in Spanish too.
Miami Gardens
Miami-Dade County
Carol City, Norland, Lake Lucerne and Andover joined as one city in 2003, home to Hard Rock Stadium and many single-family homes.
Coral Gables
Miami-Dade County
George Merrick's Mediterranean Revival city of 1925, historic homes with their own review rules, and waterfront areas the city tracks for king tides.
Kendall
Miami-Dade County
Unincorporated suburbs southwest of Miami that grew west from the 1950s and were rebuilt after Hurricane Andrew.
Homestead
Miami-Dade County
Between two national parks, about 3 feet above sea level, devastated by Andrew in 1992 and more than doubled in population since 2000.
Miami Lakes
Miami-Dade County
A planned town on former dairy land with curving lakes, built from 1962 onward and incorporated in 2000.
Broward County towns
Fort Lauderdale
Broward County
165 miles of waterways, the April 2023 record rain, and neighborhoods the city has singled out for stormwater upgrades.
Pompano Beach
Broward County
Three miles of beach to the Hillsboro Inlet, postwar neighborhoods like Cresthaven and Palm Aire, and many retirees and winter residents.
Coral Springs
Broward County
A master-planned city built mostly from the 1970s to 2003 on drained land at the Everglades edge, hit hard by Hurricane Wilma.
Hollywood
Broward County
A 1920s boom town with a beach boardwalk that floods at king tide, and neighborhoods hit by the April 2023 Broward rain.
Pembroke Pines
Broward County
Western Broward subdivisions built mostly after Hurricane Andrew, where Hurricane Irene once dropped up to 19 inches of rain.
Deerfield Beach
Broward County
Broward's northern edge on the Hillsboro River, with a beach on its own island and a large share of older residents.
Miramar
Broward County
Southwest Broward city of about 135,000 that grew by nearly 80 percent in the 1990s and kept growing after.
Palm Beach County towns
Boca Raton
Palm Beach County
1920s Mizner-era homes, gated country club communities, condos on the Intracoastal and a water table too high for basements.
West Palm Beach
Palm Beach County
Boom-era historic districts like Old Northwood and Flamingo Park, the Lake Worth Lagoon, and a city flood map lookup.
Palm Beach Gardens
A Palm Beach County city north of West Palm Beach. It does not have its own page in this first build, but callers there are covered the same way: call the line, give your city, and you are connected with an independent company serving the area. Palm Beach County's flood zone lookup covers it.
North Lauderdale
A Broward County city northwest of Fort Lauderdale. No dedicated page yet; the same number and process apply. Broward's flood map viewer shows its 2024 FEMA designations parcel by parcel.
Florida rules that apply everywhere in the state
Assignment of benefits ended
For residential and commercial property policies issued on or after January 1, 2023, Statute 627.7152 makes an attempt to assign post-loss benefits void.
Claim notice within one year
Statute 627.70132: notice of a claim within one year after the date of loss, and a supplemental claim within 18 months.
Itemized estimates, no coverage advice
Statute 489.147 bars contractors from giving insureds repair agreements under a claim without an itemized estimate, and from interpreting policies unless licensed as public adjusters.
Licensed mold work
Statute 468.8411 covers mold assessment and remediation of more than 10 square feet, and the DBPR licenses the individuals who do it.
For free help with an insurance claim, the Florida Department of Financial Services runs a consumer helpline at 1-877-693-5236. The line does not give legal or insurance advice.
South Florida's water damage calendar
- May to October: the wet season, with afternoon downpours and the occasional multi-day rain event.
- June 1 to November 30: hurricane season, peaking around September 10, according to the National Hurricane Center.
- September to November: king tides and sunny-day flooding in low coastal streets.
- All year: supply lines, water heaters, AC drain lines and appliances, which do not care about the weather.
Call from anywhere in Miami-Dade, Broward or Palm Beach County. Say your town and what happened.
About this line: Dominion Water Damage is a free phone line, not a restoration company. It answers your call and connects you with an independent local water damage restoration company, which inspects, quotes and does the work, and which you pay directly. Companies may pay a referral fee. You never pay the line. See how the line works.