{"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\/fr\/city-hall\/building\/local-flood-hazard-info\/flood-insurance\/","title":{"rendered":"Assurance inondation des b\u00e2timents"},"content":{"rendered":"Menu du b\u00e2timent\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=\"\/fr\/city-hall\/building\/permits\/\">Demande de permis<\/a>\n<ul>\n\t<li id=\"menu-item-286727\"><a href=\"\/fr\/city-hall\/building\/permits\/\">Le processus d&#039;autorisation \u2013 Comment postuler<\/a><\/li>\n\t<li id=\"menu-item-271067\"><a href=\"\/fr\/city-hall\/building\/permits\/permitchecklists\/\">Listes de contr\u00f4le des permis<\/a><\/li>\n\t<li id=\"menu-item-322770\"><a href=\"\/fr\/city-hall\/building\/permits\/same-day-services\/\">Service le jour m\u00eame<\/a><\/li>\n\t<li id=\"menu-item-270341\"><a href=\"\/fr\/city-hall\/building\/onlinepermits\/\">Centre de ressources pour les permis en ligne \u2013 Postulez en ligne<\/a><\/li>\n\t<li id=\"menu-item-270340\"><a href=\"\/fr\/city-hall\/building\/permits\/interactive-permit-guide\/\">Guide interactif des permis<\/a><\/li>\n\t<li id=\"menu-item-340585\"><a href=\"\/fr\/city-hall\/building\/permits\/expired-permits-and-permit-renewals\/\">Permis expir\u00e9s et renouvellements de permis<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-312699\" aria-haspopup=\"true\"><a aria-expanded=\"false\" href=\"#\">Ressources relatives aux permis<\/a>\n<ul>\n\t<li id=\"menu-item-280603\"><a href=\"\/wp-content\/uploads\/2025\/10\/Building-Department-Fee-Guide-2025.pdf\">Grille tarifaire<\/a><\/li>\n\t<li id=\"menu-item-272445\"><a href=\"\/fr\/city-hall\/building\/permits\/building-permits-not-required-work-list\/\">Liste des permis non requis<\/a><\/li>\n\t<li id=\"menu-item-285785\"><a href=\"\/fr\/city-hall\/building\/permits\/permit-refunds\/\">Remboursements de permis<\/a><\/li>\n\t<li id=\"menu-item-285786\"><a href=\"\/fr\/city-hall\/building\/permits\/building-permit-reprieve-program\/\">Programme d&#039;amnistie pour les violations du code du b\u00e2timent<\/a><\/li>\n\t<li id=\"menu-item-270348\"><a href=\"\/fr\/city-hall\/building\/building-recert\/\">Recertification des b\u00e2timents<\/a><\/li>\n\t<li id=\"menu-item-298042\"><a href=\"\/fr\/city-hall\/building\/permits\/fema-50-rule\/\">R\u00e8gle Fema 50%<\/a><\/li>\n\t<li id=\"menu-item-270344\"><a href=\"\/fr\/city-hall\/building\/permits\/mdc\/\">Comt\u00e9 de Miami-Dade<\/a><\/li>\n\t<li id=\"menu-item-270345\"><a href=\"\/fr\/city-hall\/building\/permits\/phased-permits\/\">Permis \u00e9chelonn\u00e9s<\/a><\/li>\n\t<li id=\"menu-item-270342\"><a href=\"\/fr\/city-hall\/building\/permits\/green\/\">Permis verts<\/a><\/li>\n\t<li id=\"menu-item-270346\"><a href=\"\/fr\/city-hall\/building\/statistics\/\">Tableaux de bord statistiques<\/a><\/li>\n\t<li id=\"menu-item-286018\"><a href=\"\/fr\/permits-search-dashboard\/\">Recherche de permis d&#039;archivage<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-270334\"><a href=\"\/fr\/city-hall\/building\/forms\/\">Formulaires<\/a><\/li>\n<li id=\"menu-item-270335\"><a href=\"\/fr\/city-hall\/building\/inspections\/\">Inspections<\/a><\/li>\n<li id=\"menu-item-270336\"><a href=\"\/fr\/city-hall\/building\/violations\/\">Infractions<\/a><\/li>\n<li id=\"menu-item-270339\"><a href=\"\/fr\/city-hall\/building\/contractors\/\">Entrepreneurs<\/a><\/li>\n<li id=\"menu-item-270338\"><a href=\"\/fr\/city-hall\/building\/contact-us\/\">Contactez-nous<\/a><\/li>\n<li id=\"menu-item-270337\" aria-haspopup=\"true\"><a aria-expanded=\"false\" href=\"#\">Plus de liens<\/a>\n<ul>\n\t<li id=\"menu-item-270352\"><a href=\"\/fr\/city-hall\/building\/faq\/\">FAQ<\/a><\/li>\n\t<li id=\"menu-item-270350\"><a href=\"\/fr\/city-hall\/building\/events\/\">\u00c9v\u00e9nements et annonces<\/a><\/li>\n\t<li id=\"menu-item-270353\"><a href=\"\/fr\/city-hall\/building\/local-flood-hazard-info\/\">Gestion des plaines inondables<\/a><\/li>\n\t<li id=\"menu-item-270347\"><a href=\"\/fr\/city-hall\/building\/hurricane-preparedness\/\">Pr\u00e9paration aux ouragans<\/a><\/li>\n\t<li id=\"menu-item-270349\"><a href=\"\/fr\/city-hall\/building\/records-management\/\">Gestion des documents<\/a><\/li>\n\t<li id=\"menu-item-270343\"><a href=\"\/fr\/city-hall\/building\/permits\/private-provider-info\/\">Informations sur les fournisseurs priv\u00e9s<\/a><\/li>\n\t<li id=\"menu-item-280714\"><a href=\"\/fr\/city-hall\/building\/building-recert\/annual-maintenance-log\/\">Journal de maintenance annuel<\/a><\/li>\n\t<li id=\"menu-item-285447\"><a href=\"\/fr\/city-hall\/building\/sop\/\">AMADOUER<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\t\nMenu du b\u00e2timent \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=\"\/fr\/city-hall\/building\/permits\/\">Demande de permis<\/a>\n<ul>\n\t<li id=\"menu-item-286727\"><a href=\"\/fr\/city-hall\/building\/permits\/\">Le processus d&#039;autorisation \u2013 Comment postuler<\/a><\/li>\n\t<li id=\"menu-item-271067\"><a href=\"\/fr\/city-hall\/building\/permits\/permitchecklists\/\">Listes de contr\u00f4le des permis<\/a><\/li>\n\t<li id=\"menu-item-322770\"><a href=\"\/fr\/city-hall\/building\/permits\/same-day-services\/\">Service le jour m\u00eame<\/a><\/li>\n\t<li id=\"menu-item-270341\"><a href=\"\/fr\/city-hall\/building\/onlinepermits\/\">Centre de ressources pour les permis en ligne \u2013 Postulez en ligne<\/a><\/li>\n\t<li id=\"menu-item-270340\"><a href=\"\/fr\/city-hall\/building\/permits\/interactive-permit-guide\/\">Guide interactif des permis<\/a><\/li>\n\t<li id=\"menu-item-340585\"><a href=\"\/fr\/city-hall\/building\/permits\/expired-permits-and-permit-renewals\/\">Permis expir\u00e9s et renouvellements de permis<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-312699\" aria-haspopup=\"true\"><a aria-expanded=\"false\" href=\"#\">Ressources relatives aux permis<\/a>\n<ul>\n\t<li id=\"menu-item-280603\"><a href=\"\/wp-content\/uploads\/2025\/10\/Building-Department-Fee-Guide-2025.pdf\">Grille tarifaire<\/a><\/li>\n\t<li id=\"menu-item-272445\"><a href=\"\/fr\/city-hall\/building\/permits\/building-permits-not-required-work-list\/\">Liste des permis non requis<\/a><\/li>\n\t<li id=\"menu-item-285785\"><a href=\"\/fr\/city-hall\/building\/permits\/permit-refunds\/\">Remboursements de permis<\/a><\/li>\n\t<li id=\"menu-item-285786\"><a href=\"\/fr\/city-hall\/building\/permits\/building-permit-reprieve-program\/\">Programme d&#039;amnistie pour les violations du code du b\u00e2timent<\/a><\/li>\n\t<li id=\"menu-item-270348\"><a href=\"\/fr\/city-hall\/building\/building-recert\/\">Recertification des b\u00e2timents<\/a><\/li>\n\t<li id=\"menu-item-298042\"><a href=\"\/fr\/city-hall\/building\/permits\/fema-50-rule\/\">R\u00e8gle Fema 50%<\/a><\/li>\n\t<li id=\"menu-item-270344\"><a href=\"\/fr\/city-hall\/building\/permits\/mdc\/\">Comt\u00e9 de Miami-Dade<\/a><\/li>\n\t<li id=\"menu-item-270345\"><a href=\"\/fr\/city-hall\/building\/permits\/phased-permits\/\">Permis \u00e9chelonn\u00e9s<\/a><\/li>\n\t<li id=\"menu-item-270342\"><a href=\"\/fr\/city-hall\/building\/permits\/green\/\">Permis verts<\/a><\/li>\n\t<li id=\"menu-item-270346\"><a href=\"\/fr\/city-hall\/building\/statistics\/\">Tableaux de bord statistiques<\/a><\/li>\n\t<li id=\"menu-item-286018\"><a href=\"\/fr\/permits-search-dashboard\/\">Recherche de permis d&#039;archivage<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-270334\"><a href=\"\/fr\/city-hall\/building\/forms\/\">Formulaires<\/a><\/li>\n<li id=\"menu-item-270335\"><a href=\"\/fr\/city-hall\/building\/inspections\/\">Inspections<\/a><\/li>\n<li id=\"menu-item-270336\"><a href=\"\/fr\/city-hall\/building\/violations\/\">Infractions<\/a><\/li>\n<li id=\"menu-item-270339\"><a href=\"\/fr\/city-hall\/building\/contractors\/\">Entrepreneurs<\/a><\/li>\n<li id=\"menu-item-270338\"><a href=\"\/fr\/city-hall\/building\/contact-us\/\">Contactez-nous<\/a><\/li>\n<li id=\"menu-item-270337\" aria-haspopup=\"true\"><a aria-expanded=\"false\" href=\"#\">Plus de liens<\/a>\n<ul>\n\t<li id=\"menu-item-270352\"><a href=\"\/fr\/city-hall\/building\/faq\/\">FAQ<\/a><\/li>\n\t<li id=\"menu-item-270350\"><a href=\"\/fr\/city-hall\/building\/events\/\">\u00c9v\u00e9nements et annonces<\/a><\/li>\n\t<li id=\"menu-item-270353\"><a href=\"\/fr\/city-hall\/building\/local-flood-hazard-info\/\">Gestion des plaines inondables<\/a><\/li>\n\t<li id=\"menu-item-270347\"><a href=\"\/fr\/city-hall\/building\/hurricane-preparedness\/\">Pr\u00e9paration aux ouragans<\/a><\/li>\n\t<li id=\"menu-item-270349\"><a href=\"\/fr\/city-hall\/building\/records-management\/\">Gestion des documents<\/a><\/li>\n\t<li id=\"menu-item-270343\"><a href=\"\/fr\/city-hall\/building\/permits\/private-provider-info\/\">Informations sur les fournisseurs priv\u00e9s<\/a><\/li>\n\t<li id=\"menu-item-280714\"><a href=\"\/fr\/city-hall\/building\/building-recert\/annual-maintenance-log\/\">Journal de maintenance annuel<\/a><\/li>\n\t<li id=\"menu-item-285447\"><a href=\"\/fr\/city-hall\/building\/sop\/\">AMADOUER<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\t\t\t\t\n\t\t\t<h1>\n\t\t\tAssurance inondation\t<\/h1>\n\t\t<ul>\n\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"\/fr\/city-hall\/building\/local-flood-hazard-info\/flood-insurance\/\" target=\"_self\">\n\t\t\t\t<h3>Assurance inondation<\/h3>\n\t<\/a>\n\t\t\t<\/li>\n\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"\/fr\/city-hall\/building\/local-flood-hazard-info\/helpful-links\/\" target=\"_self\">\n\t\t\t\t<h3>Liens utiles<\/h3>\n\t<\/a>\n\t\t\t<\/li>\n\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"\/fr\/city-hall\/building\/local-flood-hazard-info\/flood-awareness\/\" target=\"_self\">\n\t\t\t\t<h3>Protection contre les inondations<\/h3>\n\t<\/a>\n\t\t\t<\/li>\n\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"\/fr\/city-hall\/building\/local-flood-hazard-info\/interactive-flood-guide\/\" target=\"_self\">\n\t\t\t\t<h3>Guide interactif sur les inondations<\/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>Calculateur de d\u00e9g\u00e2ts caus\u00e9s par les inondations<\/h3>\n\t<\/a>\n\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t<p>Miami Beach a \u00e9t\u00e9 proactive en mati\u00e8re de planification et de projets visant \u00e0 r\u00e9duire le risque d&#039;inondation ; cependant, notre situation g\u00e9ographique et notre altitude rendent Miami Beach vuln\u00e9rable aux temp\u00eates et \u00e0 l&#039;\u00e9l\u00e9vation du niveau de la mer.<\/p>\n<p>Selon les cartes FEMA actuelles, 93% de tous les b\u00e2timents se trouvent dans la zone \u00e0 risque d&#039;inondation sp\u00e9ciale, n\u00e9cessitant une assurance contre les inondations pour les pr\u00eats hypoth\u00e9caires garantis par le gouvernement f\u00e9d\u00e9ral et recommand\u00e9e pour toutes les propri\u00e9t\u00e9s. <!--StartFragment --><\/p>\n<p><strong>La Ville s&#039;efforce de r\u00e9duire les risques d&#039;inondation sur de nombreux fronts<\/strong><strong>.<\/strong> Cela comprend un syst\u00e8me de dunes matures pour r\u00e9duire l&#039;impact des ondes de temp\u00eate et de l&#039;\u00e9rosion, un programme complet de gestion des eaux pluviales, l&#039;\u00e9l\u00e9vation des rues basses, un code de r\u00e9silience pour faire face aux risques d&#039;inondation actuels et futurs pour le d\u00e9veloppement et la construction, une \u00e9l\u00e9vation plus \u00e9lev\u00e9e des digues et des \u00e9valuations de propri\u00e9t\u00e9s priv\u00e9es en tandem avec un programme comp\u00e9titif de subventions pour l&#039;att\u00e9nuation des risques d&#039;inondation.<\/p>\n<p><!--EndFragment --><\/p>\n<p>L&#039;assurance inondation peut vous aider \u00e0 reconstruire votre maison plus rapidement et plus solidement. Pour plus d&#039;informations sur les risques d&#039;inondation et l&#039;assurance inondation\u00a0:<\/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\tVisitez floodsmart.gov pour acc\u00e9der \u00e0 la page d&#039;assurance contre les inondations de la ville.\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=\"couple regardant au t\u00e9l\u00e9phone\" itemprop=\"image\"\/>\n\t\t<h3>Miami Beach vous permet d&#039;\u00e9conomiser sur votre assurance inondation<\/h3>\n\t\t\t\t<p>Miami Beach a \u00e9galement pu accro\u00eetre les \u00e9conomies r\u00e9alis\u00e9es sur les primes d&#039;assurance inondation \u00e0 l&#039;\u00e9chelle de la ville. Le Syst\u00e8me d&#039;\u00e9valuation communautaire (SEC) du Programme national d&#039;assurance contre les inondations (NFIP) est un programme volontaire permettant aux collectivit\u00e9s de b\u00e9n\u00e9ficier de r\u00e9ductions sur leur assurance inondation en fonction de leur score global et des caract\u00e9ristiques de leur propri\u00e9t\u00e9.<\/p>\n\t\t\t<a href=\"https:\/\/agents.floodsmart.gov\/sites\/default\/files\/fema-nfip-crs-guide-2023.pdf\" title=\"Cliquez ici\" target=\"_blank\" rel=\"noopener\"  role=\"button\" aria-label=\"Apprendre encore plus\">\n\t\t\t\t\t\t\tApprendre encore plus\n\t\t<\/a>\n\t<p>La participation de Miami Beach au syst\u00e8me de notation communautaire offre \u00e0 la plupart des titulaires de polices NFIP une <strong>25% remise.<\/strong> Cela permet de compenser l\u2019augmentation des taux f\u00e9d\u00e9raux.<\/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>Regardez le forum du maire Meiner sur l&#039;assurance contre les inondations et la r\u00e9duction des risques<\/h3>\n\t\t\t\t<p><!--StartFragment -->Le maire Meiner et le comit\u00e9 du programme d&#039;information publique ont organis\u00e9 un forum public le 8 avril 2024 pour discuter de l&#039;assurance contre les inondations et de la r\u00e9duction des risques.\u00a0<!--EndFragment --><\/p>\n\t\t\t<a href=\"https:\/\/youtu.be\/tzeuIhfCuBU?si=oGraLQXvAarIXZpi&amp;t=95\" title=\"Cliquez ici\" target=\"_blank\" rel=\"noopener\"  role=\"button\" aria-label=\"Regarder la vid\u00e9o\">\n\t\t\t\t\t\t\tRegarder la vid\u00e9o\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=\"assurance contre les inondations\" itemprop=\"image\"\/>\n\t\t<h3>Cote de risque 2,0<\/h3>\n\t\t\t\t<p>La FEMA modifie la fa\u00e7on dont le programme national d&#039;assurance contre les inondations fixe le co\u00fbt de l&#039;assurance contre les inondations gr\u00e2ce \u00e0 un processus appel\u00e9\u00a0<strong>Cote de risque 2,0<\/strong>Les titulaires de police sont encourag\u00e9s \u00e0 contacter leur agent d\u2019assurance contre les inondations pour comprendre comment la nouvelle approche tarifaire peut les affecter.<\/p>\n<p><strong>\u00c0 compter du 1er ao\u00fbt 2021, les titulaires de polices d&#039;assurance actuelles du Programme national d&#039;assurance contre les inondations sont encourag\u00e9s \u00e0 contacter leur compagnie d&#039;assurance ou leur agent d&#039;assurance pour en savoir plus.<\/strong>.\u00a0<\/p>\n\t\t\t<a href=\"https:\/\/www.fema.gov\/flood-insurance\/risk-rating\" title=\"Cliquez ici\" target=\"_blank\" rel=\"noopener\"  role=\"button\" aria-label=\"Pour plus d&#039;informations sur Risk Rating 2.0, veuillez visiter FEMA\">\n\t\t\t\t\t\t\tPour plus d&#039;informations sur Risk Rating 2.0, veuillez visiter FEMA\n\t\t<\/a>\n\t<p>D&#039;apr\u00e8s les donn\u00e9es publiques de la FEMA, le graphique suivant pr\u00e9sente les estimations de l&#039;\u00e9volution des politiques dans les codes postaux de la ville de Miami Beach. Ces changements sont similaires aux estimations \u00e0 l&#039;\u00e9chelle de l&#039;\u00c9tat.<\/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=\"\u00c9valuation des risques de la 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=\"Cote de risque FEMA 2\" 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\tFloride \u2013 \u00c9valuation du risque 2,0 \n\t\t\t<\/a>\n<h3>\n\t\t\tQue faire avant de renouveler\t<\/h3>\n\t<ul>\n<li>Assurez-vous de contacter votre repr\u00e9sentant d\u2019assurance pour toute pr\u00e9occupation ou question.<\/li>\n<li>Soyez attentif \u00e0 tout changement dans la structure de votre maison qui pourrait modifier votre prime par rapport \u00e0 la prime projet\u00e9e utilis\u00e9e pour l\u2019analyse.<\/li>\n<li>Sachez qu\u2019en tant que titulaire d\u2019une police d\u2019assurance, vous \u00eates admissible \u00e0 modifier vos choix de couverture ou de franchise.<\/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\tPour en savoir plus, contactez votre agent d&#039;assurance contre les inondations ou visitez le site de la FEMA.\n\t\t\t<\/a>","protected":false},"excerpt":{"rendered":"<p>Building Menu Permit Application The Permitting Process &#8211; How to Apply Permitting Checklists Same Day Service Online Permitting Resource Center 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