Participating in the National Flood Insurance Program requires local floodplain management officials to help identify repetitive-loss properties and implement strategies such as elevation, acquisition, or relocation to reduce future damage and costs. These reforms are supported by the Flood Insurance Reform Act of 2004. Many structures remain susceptible to flood damage for various reasons, including low-lying geography, proximity to floodwaters, and inadequate storm drainage systems. FEMA follows a structured process for identifying and tracking properties in order to develop a Repetitive Loss Area Analysis and provides mitigation funding to support approved mitigation projects.

Defined by the National Flood Insurance program, a Repetitive loss property is an NFIP-insured structure that has had at least 2 paid flood losses of more than $1,000 each within any 10-year period since 1978.

A Severe Repetitive Loss Property is defined as a residential property that is covered under a NFIP flood insurance policy and that:

has at least 4 NFIP claim payments (including building and contents) over $5,000 each and the cumulative amount of such claims payments exceeds $20,000,

or

for which at least two separate claims payments (building payments only) have been made with the cumulative amount of the building portion of such claims exceeding the market value of the building. At least two of the above referenced claims must have occurred within any 10-year period and must be greater than 10 days apart.

View the City of Punta Gorda’s Repetitive Loss Map and explore the list of causes to better understand local flood-risk areas and support community mitigation efforts.

COPG RLA_Map

Repetitive Loss Areas Flooding Causes

This resource helps residents understand their community’s flood risk and offers tools to develop targeted mitigation strategies. By using it, communities can reduce future flood damage, lower insurance costs, and enhance public safety.

Why You Should Consider Getting Flood Insurance