{"id":271974,"date":"2023-09-11T10:00:17","date_gmt":"2023-09-11T14:00:17","guid":{"rendered":"https:\/\/www.miamibeachfl.gov\/?page_id=271974"},"modified":"2026-03-02T15:22:13","modified_gmt":"2026-03-02T20:22:13","slug":"flood-insurance","status":"publish","type":"page","link":"https:\/\/www.miamibeachfl.gov\/es\/city-hall\/building\/local-flood-hazard-info\/flood-insurance\/","title":{"rendered":"Seguro contra inundaciones de edificios"},"content":{"rendered":"Men\u00fa de construcci\u00f3n\t\t\t\n\t\t\t\t\t<ul id=\"menu-building-department\"><li id=\"menu-item-270333\" aria-haspopup=\"true\"><a aria-expanded=\"false\" href=\"\/es\/city-hall\/building\/permits\/\">Solicitud de permiso<\/a>\n<ul>\n\t<li id=\"menu-item-286727\"><a href=\"\/es\/city-hall\/building\/permits\/\">El proceso de permisos: c\u00f3mo solicitarlos<\/a><\/li>\n\t<li id=\"menu-item-271067\"><a href=\"\/es\/city-hall\/building\/permits\/permitchecklists\/\">Listas de verificaci\u00f3n de permisos<\/a><\/li>\n\t<li id=\"menu-item-322770\"><a href=\"\/es\/city-hall\/building\/permits\/same-day-services\/\">Servicio el mismo d\u00eda<\/a><\/li>\n\t<li id=\"menu-item-270341\"><a href=\"\/es\/city-hall\/building\/onlinepermits\/\">Centro de recursos de permisos en l\u00ednea: solicitud en l\u00ednea<\/a><\/li>\n\t<li id=\"menu-item-270340\"><a href=\"\/es\/city-hall\/building\/permits\/interactive-permit-guide\/\">Gu\u00eda interactiva de permisos<\/a><\/li>\n\t<li id=\"menu-item-340585\"><a href=\"\/es\/city-hall\/building\/permits\/expired-permits-and-permit-renewals\/\">Permisos vencidos y renovaciones de permisos<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-312699\" aria-haspopup=\"true\"><a aria-expanded=\"false\" href=\"#\">Recursos para permisos<\/a>\n<ul>\n\t<li id=\"menu-item-280603\"><a href=\"\/wp-content\/uploads\/2025\/10\/Building-Department-Fee-Guide-2025.pdf\">Tabla de tarifas<\/a><\/li>\n\t<li id=\"menu-item-272445\"><a href=\"\/es\/city-hall\/building\/permits\/building-permits-not-required-work-list\/\">Lista de lugares que no requieren permiso<\/a><\/li>\n\t<li id=\"menu-item-285785\"><a href=\"\/es\/city-hall\/building\/permits\/permit-refunds\/\">Reembolsos de permisos<\/a><\/li>\n\t<li id=\"menu-item-285786\"><a href=\"\/es\/city-hall\/building\/permits\/building-permit-reprieve-program\/\">Programa de amnist\u00eda por violaciones del c\u00f3digo de construcci\u00f3n<\/a><\/li>\n\t<li id=\"menu-item-270348\"><a href=\"\/es\/city-hall\/building\/building-recert\/\">Recertificaci\u00f3n de edificios<\/a><\/li>\n\t<li id=\"menu-item-298042\"><a href=\"\/es\/city-hall\/building\/permits\/fema-50-rule\/\">Regla 50% de FEMA<\/a><\/li>\n\t<li id=\"menu-item-270344\"><a href=\"\/es\/city-hall\/building\/permits\/mdc\/\">Condado de Miami-Dade<\/a><\/li>\n\t<li id=\"menu-item-270345\"><a href=\"\/es\/city-hall\/building\/permits\/phased-permits\/\">Permisos por fases<\/a><\/li>\n\t<li id=\"menu-item-270342\"><a href=\"\/es\/city-hall\/building\/permits\/green\/\">Permisos Verdes<\/a><\/li>\n\t<li id=\"menu-item-270346\"><a href=\"\/es\/city-hall\/building\/statistics\/\">Paneles de estad\u00edsticas<\/a><\/li>\n\t<li id=\"menu-item-286018\"><a href=\"\/es\/permits-search-dashboard\/\">B\u00fasqueda de permisos de archivo<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-270334\"><a href=\"\/es\/city-hall\/building\/forms\/\">Formularios<\/a><\/li>\n<li id=\"menu-item-270335\"><a href=\"\/es\/city-hall\/building\/inspections\/\">Inspecciones<\/a><\/li>\n<li id=\"menu-item-270336\"><a href=\"\/es\/city-hall\/building\/violations\/\">Violaciones<\/a><\/li>\n<li id=\"menu-item-270339\"><a href=\"\/es\/city-hall\/building\/contractors\/\">Contratistas<\/a><\/li>\n<li id=\"menu-item-270338\"><a href=\"\/es\/city-hall\/building\/contact-us\/\">Cont\u00e1ctenos<\/a><\/li>\n<li id=\"menu-item-270337\" aria-haspopup=\"true\"><a aria-expanded=\"false\" href=\"#\">M\u00e1s enlaces<\/a>\n<ul>\n\t<li id=\"menu-item-270352\"><a href=\"\/es\/city-hall\/building\/faq\/\">Preguntas frecuentes<\/a><\/li>\n\t<li id=\"menu-item-270350\"><a href=\"\/es\/city-hall\/building\/events\/\">Eventos y anuncios<\/a><\/li>\n\t<li id=\"menu-item-270353\"><a href=\"\/es\/city-hall\/building\/local-flood-hazard-info\/\">Gesti\u00f3n de llanuras aluviales<\/a><\/li>\n\t<li id=\"menu-item-270347\"><a href=\"\/es\/city-hall\/building\/hurricane-preparedness\/\">Preparaci\u00f3n para huracanes<\/a><\/li>\n\t<li id=\"menu-item-270349\"><a href=\"\/es\/city-hall\/building\/records-management\/\">Gesti\u00f3n de registros<\/a><\/li>\n\t<li id=\"menu-item-270343\"><a href=\"\/es\/city-hall\/building\/permits\/private-provider-info\/\">Informaci\u00f3n de proveedores privados<\/a><\/li>\n\t<li id=\"menu-item-280714\"><a href=\"\/es\/city-hall\/building\/building-recert\/annual-maintenance-log\/\">Registro de mantenimiento anual<\/a><\/li>\n\t<li id=\"menu-item-285447\"><a href=\"\/es\/city-hall\/building\/sop\/\">COMPENSACI\u00d3N<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\t\nMen\u00fa del edificio \u00d7\t\t\t\t\t\t<ul id=\"menu-building-department-1\"><li id=\"menu-item-270333\" aria-haspopup=\"true\"><a aria-expanded=\"false\" href=\"\/es\/city-hall\/building\/permits\/\">Solicitud de permiso<\/a>\n<ul>\n\t<li id=\"menu-item-286727\"><a href=\"\/es\/city-hall\/building\/permits\/\">El proceso de permisos: c\u00f3mo solicitarlos<\/a><\/li>\n\t<li id=\"menu-item-271067\"><a href=\"\/es\/city-hall\/building\/permits\/permitchecklists\/\">Listas de verificaci\u00f3n de permisos<\/a><\/li>\n\t<li id=\"menu-item-322770\"><a href=\"\/es\/city-hall\/building\/permits\/same-day-services\/\">Servicio el mismo d\u00eda<\/a><\/li>\n\t<li id=\"menu-item-270341\"><a href=\"\/es\/city-hall\/building\/onlinepermits\/\">Centro de recursos de permisos en l\u00ednea: solicitud en l\u00ednea<\/a><\/li>\n\t<li id=\"menu-item-270340\"><a href=\"\/es\/city-hall\/building\/permits\/interactive-permit-guide\/\">Gu\u00eda interactiva de permisos<\/a><\/li>\n\t<li id=\"menu-item-340585\"><a href=\"\/es\/city-hall\/building\/permits\/expired-permits-and-permit-renewals\/\">Permisos vencidos y renovaciones de permisos<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-312699\" aria-haspopup=\"true\"><a aria-expanded=\"false\" href=\"#\">Recursos para permisos<\/a>\n<ul>\n\t<li id=\"menu-item-280603\"><a href=\"\/wp-content\/uploads\/2025\/10\/Building-Department-Fee-Guide-2025.pdf\">Tabla de tarifas<\/a><\/li>\n\t<li id=\"menu-item-272445\"><a href=\"\/es\/city-hall\/building\/permits\/building-permits-not-required-work-list\/\">Lista de lugares que no requieren permiso<\/a><\/li>\n\t<li id=\"menu-item-285785\"><a href=\"\/es\/city-hall\/building\/permits\/permit-refunds\/\">Reembolsos de permisos<\/a><\/li>\n\t<li id=\"menu-item-285786\"><a href=\"\/es\/city-hall\/building\/permits\/building-permit-reprieve-program\/\">Programa de amnist\u00eda por violaciones del c\u00f3digo de construcci\u00f3n<\/a><\/li>\n\t<li id=\"menu-item-270348\"><a href=\"\/es\/city-hall\/building\/building-recert\/\">Recertificaci\u00f3n de edificios<\/a><\/li>\n\t<li id=\"menu-item-298042\"><a href=\"\/es\/city-hall\/building\/permits\/fema-50-rule\/\">Regla 50% de FEMA<\/a><\/li>\n\t<li id=\"menu-item-270344\"><a href=\"\/es\/city-hall\/building\/permits\/mdc\/\">Condado de Miami-Dade<\/a><\/li>\n\t<li id=\"menu-item-270345\"><a href=\"\/es\/city-hall\/building\/permits\/phased-permits\/\">Permisos por fases<\/a><\/li>\n\t<li id=\"menu-item-270342\"><a href=\"\/es\/city-hall\/building\/permits\/green\/\">Permisos Verdes<\/a><\/li>\n\t<li id=\"menu-item-270346\"><a href=\"\/es\/city-hall\/building\/statistics\/\">Paneles de estad\u00edsticas<\/a><\/li>\n\t<li id=\"menu-item-286018\"><a href=\"\/es\/permits-search-dashboard\/\">B\u00fasqueda de permisos de archivo<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-270334\"><a href=\"\/es\/city-hall\/building\/forms\/\">Formularios<\/a><\/li>\n<li id=\"menu-item-270335\"><a href=\"\/es\/city-hall\/building\/inspections\/\">Inspecciones<\/a><\/li>\n<li id=\"menu-item-270336\"><a href=\"\/es\/city-hall\/building\/violations\/\">Violaciones<\/a><\/li>\n<li id=\"menu-item-270339\"><a href=\"\/es\/city-hall\/building\/contractors\/\">Contratistas<\/a><\/li>\n<li id=\"menu-item-270338\"><a href=\"\/es\/city-hall\/building\/contact-us\/\">Cont\u00e1ctenos<\/a><\/li>\n<li id=\"menu-item-270337\" aria-haspopup=\"true\"><a aria-expanded=\"false\" href=\"#\">M\u00e1s enlaces<\/a>\n<ul>\n\t<li id=\"menu-item-270352\"><a href=\"\/es\/city-hall\/building\/faq\/\">Preguntas frecuentes<\/a><\/li>\n\t<li id=\"menu-item-270350\"><a href=\"\/es\/city-hall\/building\/events\/\">Eventos y anuncios<\/a><\/li>\n\t<li id=\"menu-item-270353\"><a href=\"\/es\/city-hall\/building\/local-flood-hazard-info\/\">Gesti\u00f3n de llanuras aluviales<\/a><\/li>\n\t<li id=\"menu-item-270347\"><a href=\"\/es\/city-hall\/building\/hurricane-preparedness\/\">Preparaci\u00f3n para huracanes<\/a><\/li>\n\t<li id=\"menu-item-270349\"><a href=\"\/es\/city-hall\/building\/records-management\/\">Gesti\u00f3n de registros<\/a><\/li>\n\t<li id=\"menu-item-270343\"><a href=\"\/es\/city-hall\/building\/permits\/private-provider-info\/\">Informaci\u00f3n de proveedores privados<\/a><\/li>\n\t<li id=\"menu-item-280714\"><a href=\"\/es\/city-hall\/building\/building-recert\/annual-maintenance-log\/\">Registro de mantenimiento anual<\/a><\/li>\n\t<li id=\"menu-item-285447\"><a href=\"\/es\/city-hall\/building\/sop\/\">COMPENSACI\u00d3N<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\t\t\t\t\n\t\t\t<h1>\n\t\t\tSeguro contra inundaciones\t<\/h1>\n\t\t<ul>\n\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"\/es\/city-hall\/building\/local-flood-hazard-info\/flood-insurance\/\" target=\"_self\">\n\t\t\t\t<h3>Seguro contra inundaciones<\/h3>\n\t<\/a>\n\t\t\t<\/li>\n\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"\/es\/city-hall\/building\/local-flood-hazard-info\/helpful-links\/\" target=\"_self\">\n\t\t\t\t<h3>Enlaces \u00fatiles<\/h3>\n\t<\/a>\n\t\t\t<\/li>\n\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"\/es\/city-hall\/building\/local-flood-hazard-info\/flood-awareness\/\" target=\"_self\">\n\t\t\t\t<h3>Protecci\u00f3n contra inundaciones<\/h3>\n\t<\/a>\n\t\t\t<\/li>\n\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"\/es\/city-hall\/building\/local-flood-hazard-info\/interactive-flood-guide\/\" target=\"_self\">\n\t\t\t\t<h3>Gu\u00eda interactiva sobre inundaciones<\/h3>\n\t<\/a>\n\t\t\t<\/li>\n\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"https:\/\/www.floodsmart.gov\/cost-flooding\" target=\"_blank\">\n\t\t\t\t<h3>Calculadora de da\u00f1os por inundaciones<\/h3>\n\t<\/a>\n\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t<p>Miami Beach ha sido proactiva a trav\u00e9s de la planificaci\u00f3n y proyectos para reducir el riesgo de inundaciones; sin embargo, nuestra ubicaci\u00f3n geogr\u00e1fica y elevaci\u00f3n hacen que Miami Beach sea vulnerable a las tormentas y al aumento del nivel del mar.<\/p>\n<p>Seg\u00fan los mapas actuales de FEMA, 93% de todos los edificios se encuentran en el \u00c1rea de Riesgo Especial de Inundaci\u00f3n, lo que requiere un seguro contra inundaciones para hipotecas respaldadas por el gobierno federal y se recomienda para todas las propiedades. <!--StartFragment --><\/p>\n<p><strong>La ciudad trabaja para reducir el riesgo de inundaciones en muchos frentes<\/strong><strong>.<\/strong> Esto incluye un sistema de dunas maduro para reducir el impacto de las marejadas cicl\u00f3nicas y la erosi\u00f3n, un programa integral de gesti\u00f3n de aguas pluviales, elevaci\u00f3n de calles bajas, un C\u00f3digo de Resiliencia para abordar el riesgo de inundaciones actuales y futuras para el desarrollo y la construcci\u00f3n, una mayor elevaci\u00f3n del malec\u00f3n y evaluaciones de propiedad privada junto con un programa competitivo de subvenciones para la mitigaci\u00f3n del riesgo de inundaciones.<\/p>\n<p><!--EndFragment --><\/p>\n<p>El seguro contra inundaciones puede ayudarle a reconstruir su hogar m\u00e1s r\u00e1pido y m\u00e1s resistente. Para m\u00e1s informaci\u00f3n sobre el riesgo de inundaci\u00f3n y el seguro contra inundaciones:<\/p>\n\t\t\t<a href=\"https:\/\/www.floodsmart.gov\/hurricanesFL?utm_source=google&#038;utm_medium=paidsearch&#038;utm_term=brand&#038;utm_content=maps_exact&#038;utm_campaign=NFIP_2021_Growth_4FL\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\tVisite floodsmart.gov para ver la p\u00e1gina del seguro contra inundaciones de la ciudad.\n\t\t\t<\/a>\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.miamibeachfl.gov\/wp-content\/uploads\/bb-plugin\/cache\/couplelookingatphone-circle.jpeg\" alt=\"women looking at mobile phone\" title=\"pareja mirando el tel\u00e9fono\" itemprop=\"image\"\/>\n\t\t<h3>Miami Beach le ahorra dinero en el seguro contra inundaciones<\/h3>\n\t\t\t\t<p>Miami Beach tambi\u00e9n ha logrado aumentar los ahorros en las primas de seguro contra inundaciones en toda la ciudad. El Sistema de Calificaci\u00f3n Comunitaria (CRS) del Programa Nacional de Seguro contra Inundaciones (NFIP) es un programa voluntario que permite a las comunidades obtener descuentos en el seguro contra inundaciones seg\u00fan la calificaci\u00f3n general de la ciudad y las caracter\u00edsticas de la propiedad.<\/p>\n\t\t\t<a href=\"https:\/\/agents.floodsmart.gov\/sites\/default\/files\/fema-nfip-crs-guide-2023.pdf\" title=\"Haga clic aqu\u00ed\" target=\"_blank\" rel=\"noopener\"  role=\"button\" aria-label=\"M\u00e1s informaci\u00f3n\">\n\t\t\t\t\t\t\tM\u00e1s informaci\u00f3n\n\t\t<\/a>\n\t<p>La participaci\u00f3n de Miami Beach en el Sistema de Calificaci\u00f3n Comunitaria proporciona a la mayor\u00eda de los titulares de p\u00f3lizas del NFIP una <strong>Descuento 25%.<\/strong> Esto ayuda a compensar el aumento de las tasas federales.<\/p>\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.miamibeachfl.gov\/wp-content\/uploads\/bb-plugin\/cache\/mbtv-circle.png\" alt=\"mbtv\" title=\"mbtv\" itemprop=\"image\"\/>\n\t\t<h3>Vea el Foro del alcalde Meiner sobre seguros contra inundaciones y reducci\u00f3n de riesgos<\/h3>\n\t\t\t\t<p><!--StartFragment -->El alcalde Meiner y el Comit\u00e9 del Programa de Informaci\u00f3n P\u00fablica celebraron un foro p\u00fablico el 8 de abril de 2024 para discutir el seguro contra inundaciones y la reducci\u00f3n de riesgos.\u00a0<!--EndFragment --><\/p>\n\t\t\t<a href=\"https:\/\/youtu.be\/tzeuIhfCuBU?si=oGraLQXvAarIXZpi&amp;t=95\" title=\"Haga clic aqu\u00ed\" target=\"_blank\" rel=\"noopener\"  role=\"button\" aria-label=\"Ver v\u00eddeo\">\n\t\t\t\t\t\t\tVer v\u00eddeo\n\t\t<\/a>\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.miamibeachfl.gov\/wp-content\/uploads\/bb-plugin\/cache\/floodinsurance-circle.jpeg\" alt=\"floodinsurance\" title=\"seguro contra inundaciones\" itemprop=\"image\"\/>\n\t\t<h3>Calificaci\u00f3n de riesgo 2.0<\/h3>\n\t\t\t\t<p>FEMA est\u00e1 cambiando la forma en que el Programa Nacional de Seguros contra Inundaciones fija el precio del seguro contra inundaciones a trav\u00e9s de un proceso llamado\u00a0<strong>Calificaci\u00f3n de riesgo 2.0<\/strong>Se recomienda a los asegurados que se pongan en contacto con su agente de seguros contra inundaciones para comprender c\u00f3mo puede afectarles el nuevo enfoque de precios.<\/p>\n<p><strong>A partir del 1 de agosto de 2021, se recomienda a los actuales titulares de p\u00f3lizas del Programa Nacional de Seguro contra Inundaciones que se comuniquen con su compa\u00f1\u00eda de seguros o agente de seguros para obtener m\u00e1s informaci\u00f3n.<\/strong>.\u00a0<\/p>\n\t\t\t<a href=\"https:\/\/www.fema.gov\/flood-insurance\/risk-rating\" title=\"Haga clic aqu\u00ed\" target=\"_blank\" rel=\"noopener\"  role=\"button\" aria-label=\"Para obtener m\u00e1s informaci\u00f3n sobre la Clasificaci\u00f3n de Riesgo 2.0, visite FEMA\">\n\t\t\t\t\t\t\tPara obtener m\u00e1s informaci\u00f3n sobre la Clasificaci\u00f3n de Riesgo 2.0, visite FEMA\n\t\t<\/a>\n\t<p>Con base en datos p\u00fablicos de FEMA, la siguiente gr\u00e1fica destaca los cambios estimados en las pol\u00edticas dentro de los c\u00f3digos postales de la ciudad de Miami Beach. Los cambios son similares a las estimaciones estatales.<\/p>\n\t\t\t\t<a href=\"https:\/\/www.miamibeachfl.gov\/wp-content\/uploads\/2021\/09\/FEMA-Risk-Rating.png\"  target=\"_self\" itemprop=\"url\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.miamibeachfl.gov\/wp-content\/uploads\/2021\/09\/FEMA-Risk-Rating.png\" alt=\"FEMA Risk Rating\" itemprop=\"image\" height=\"539\" width=\"641\" title=\"Clasificaci\u00f3n de riesgo de FEMA\" onerror=\"this.style.display='none'\" loading=\"lazy\" \/>\n\t\t\t\t<\/a>\n\t\t\t\t<a href=\"https:\/\/www.miamibeachfl.gov\/wp-content\/uploads\/2021\/09\/FEMA-Risk-Rating-2.png\"  target=\"_self\" itemprop=\"url\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.miamibeachfl.gov\/wp-content\/uploads\/2021\/09\/FEMA-Risk-Rating-2.png\" alt=\"FEMA Risk Rating 2\" itemprop=\"image\" height=\"377\" width=\"1248\" title=\"Clasificaci\u00f3n de riesgo 2 de FEMA\" onerror=\"this.style.display='none'\" loading=\"lazy\" \/>\n\t\t\t\t<\/a>\n\t\t\t<a href=\"https:\/\/www.fema.gov\/sites\/default\/files\/documents\/fema_florida-state-profile_03-2021.pdf\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\tFlorida \u2013 Calificaci\u00f3n de riesgo 2.0 \n\t\t\t<\/a>\n<h3>\n\t\t\tQu\u00e9 hacer antes de renovar\t<\/h3>\n\t<ul>\n<li>Aseg\u00farese de comunicarse con su representante de seguros si tiene alguna inquietud o pregunta.<\/li>\n<li>Tenga en cuenta cualquier cambio en la estructura de su casa que pueda modificar su prima con respecto a la prima proyectada utilizada para el an\u00e1lisis.<\/li>\n<li>Sepa que, como asegurado, usted es elegible para cambiar sus selecciones de cobertura o deducible.<\/li>\n<\/ul>\n\t\t\t<a href=\"https:\/\/www.floodsmart.gov\/why-buy-flood-insurance\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\tPara obtener m\u00e1s informaci\u00f3n, comun\u00edquese con su agente de seguros contra inundaciones o visite FEMA\n\t\t\t<\/a>","protected":false},"excerpt":{"rendered":"<p>Solicitud de permiso para el men\u00fa de construcci\u00f3n Proceso de permisos: c\u00f3mo solicitar Listas de verificaci\u00f3n de permisos Servicio el mismo d\u00eda Centro de recursos de permisos en l\u00ednea 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