HomeMy WebLinkAboutResolution 2025-23 Adopting the Floodplain Management Plan for Seminole County and MunicipalitiesSeminole County Clerk of the Circuit Court and Comptroller
eCertified at 10/15/2025 15:50:09 -04:00
eCertified Id: 70E8-A0J8-A58O
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Seminole County Clerk of the Circuit Court and Comptroller
eCertified at 10/15/2025 15:50:09 -04:00
eCertified Id: 70E8-A0J8-A58O
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eCertified at 10/15/2025 15:50:09 -04:00
eCertified Id: 70E8-A0J8-A58O
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eCertified Id: 70E8-A0J8-A58O
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eCertified Id: 70E8-A0J8-A58O
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eCertified Id: 70E8-A0J8-A58O
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eCertified Id: 70E8-A0J8-A58O
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eCertified Id: 70E8-A0J8-A58O
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eCertified Id: 70E8-A0J8-A58O
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eCertified Id: 70E8-A0J8-A58O
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eCertified Id: 70E8-A0J8-A58O
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eCertified Id: 70E8-A0J8-A58O
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eCertified Id: 70E8-A0J8-A58O
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Winter Springs Floodplain Management Profile
1 Winter Springs Floodplain Management Profile
Introduction
Overview
The City of Winter Springs was
incorporated in 1959 in Seminole County.
It is located in the central section of the
county, with the City of Longwood to its
west and the City of Oviedo to its east.
Unincorporated Seminole County
borders Winter Springs to the south and
Lake Jesup is the northern boundary.
Winter Springs covers 15 square miles.
The city’s population is 39,333 as of
2020.
Involvement with the National
Flood Insurance Program (NFIP)
Winter Springs became eligible for the
National Flood Insurance Program’s
(NFIP) Community Rating System (CRS)
on October 1, 1993. The municipality
ranked a class six(6) rating, receiving
2,000- 2,499 Credit Points (CT) during its
classification and continues to maintain
this designation as of 2020.
The discount percentage for those
properties in the Special Flood Hazard
Area (SFHA) is twenty (20%) percent
while the percent discount for non-
Special Flood Hazard Area (SFHA) is ten
(10%) percent. The city’s participation in
the program is listed as current.
Figure 1. City of Winter Springs
Source: Seminole County GIS
Figure 2. National Flood Insurance Program
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2 Winter Springs Floodplain Management Profile
% % 1%
Risk Assessment
Communities must address four components when assessing risk. They are identifying
hazards, profiling hazard events, inventorying assets, and estimating loss. This process
measures the potential loss of life, personal injury, economic injury, and property damage
resulting from natural hazards by assessing the vulnerability of people, buildings, and
infrastructure to natural hazards. This section of the community profile assesses the
potential of risk with respect to floodplain management in Winter Springs. There are six
categories that address the four components identified in risk assessment as defined
through the Federal Emergency Management Agency (FEMA): identifying flood zones
within the city, surface water locations, property value within each flood zone, insurance
statistics, vulnerable populations, and critical facilities.
Figure 3. Flood Zone, Percentage of Acreage for the City of Winter Springs, 2021, Non-Submerged
Figure 3 shows that the percentage of non-submerged acreage found in Winter Springs.
0.2 Percent Annual Chance Hazard of the 100-year flood accounts for 1.84% of the total
percentage of non-submerged acreage. Non-submerged acreage refers to land not
inundated by surface water. Flood Zone A comprises 4.02% of the total make-up. Flood
Zone AE is 12.39% and Flood Zone AH is 2.59%. Flood Zone X accounts for 79.24% of
the total percentage of non-submerged acres.
Flood Zone Percentage of Acreage
Non-submerged Acres
2 6 1%
50%
40%
A AE AH 0.2 Percent Annual Change Hazard* X Total
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3 Winter Springs Floodplain Management Profile
Surface Water
Figure 4. Surface Water Runoff
The majority of the City’s surface water runoff is into Lake Jesup and is conveyed by
three of its main tributaries, Howell Creek, Gee Creek and Soldiers Creek.
Howell Creek runs through the central portion of the City and has an approximate 3750-
acre tributary area, thirty eight percent (38%) in the City. Bear Creek, a tributary to
Howell Creek, also runs through a portion of the City and converges with Howell Creek
just north of Winter Springs Boulevard.
Gee Creek runs through the southwestern portion of the City and has an approximate
2,464-acre tributary in the area, twenty six (26%) percent of the City. No Name Creek is
a tributary to Gee Creek and converges with Gee Creek just south of SR 434.
A very small portion of the City about nine (9%) percent is with the Soldiers Creek Basin,
approximately 884 acres. The creek itself enters the City’s limits near the SR 419
crossing before discharging into the western part of Lake Jesup.
The 100-year flood plains in the City are located along the creeks, along the shores of
lakes and in some landlocked low spot areas.
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4 Winter Springs Floodplain Management Profile
Property Value
Table 2. Total Appraised Value by Flood Zone, 2014
Winter Springs has over 2.9 billion dollars in appraised value that could be vulnerable to
flood risk damage. The largest property value risk is found in Flood Zone X, 78%. Flood
Zone AE accounts for the second largest appraised value that could be vulnerable to risk
at 12%. The next most notable flood zone that has high-appraised value is A with over 85
million dollars in property. Those properties within the 0.2 Percent Annual Chance Hazard
of the 100-year flood have over 191 million dollars of property risk.
Insurance Policies
Table 3. Policy Statistics for the City of Winter Springs, as of 10/01/2025
Policies in Force Insurance in Force – Whole Average Premium + Federal
Policy
645 $105,670,000 $813
Winter Springs has 645 insurance policies in force according to the Federal Emergency
Management Agency. The total coverage amount for these insurance policies is
$105,670,000 while the premium paid for them averaged $226,473.
Table 4. Loss Statistics for the City of Winter Springs, as of 10/01/2025
Total Losses Closed
Losses
Open Losses CWOP Losses Total Payments
106 106 0 4 $205,078.94
Source: FEMA
Total property losses in Winter Springs are numbered at 106 properties since 1978. Losses
that had been paid in full accounted for 78 claims and losses that had been closed without
payment (CWOP) were totaled at 28 claims. There were no losses not paid in full. Total
payments made to claimants since 1978 is valued at $4,607,173.
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5 Winter Springs Floodplain Management Profile
Vulnerable Population
Vulnerable populations are those segments of the community who are considered to be
most prone to risk in the time of hazard. Approximately eleven (11%) percent of the
population is over the age of 65.
Repetitive Loss Property
Repetitive Loss (RL) properties are defined as those properties that have been flooded on
more than one occasion. Winter Springs currently has ten (10) repetitive loss properties
and Community Rating System (CRS) Outreach Program letters of standard guidelines is
sent annually to 22 properties in the RL areas.
In the event that properties do begin to meet that criteria, there are home buyout programs
that can be initiated to purchase the property. These measures protect residents from
harm and remove development from the floodplain (FEMA, 2019).
Manufactured Homes
Figure 5. Manufactured Home Flood Hazard
Manufactured home communities, such as the one showed above in Winter Springs are
vulnerable populations susceptible to flood hazard without proper mitigation measures.
Manufactured homes are symbolized as red points.
Winter Springs has one (1) manufactured home communities located in its jurisdiction that
could be vulnerable to flood inundation. Figure 6 illustrates the potential risk. The City’s
Land Development Code set standards for these forms of residences. Mitigation policies
that help protect flood damage to manufactured homes include setting the elevation above
the base flood level and must be anchored. The foundation must be anchored in order to
prevent flotation or any varying form of movement.
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Critical Facilities
Critical facilities are defined as those locations that provide a critical function and should
be protected from flood damage. Seminole County has identified nineteen (19) critical
facilities throughout Winter Springs and the emergency services they provide in times of
crisis. None of the facilities is located in the Special Flood Hazard Area (SFHA). Name of
the facilities and addresses are provided below.
Figure 7. Location of Critical Facilities
Source: Seminole County GIS
Critical Facilities:
# NAME ADDRESS FLOOD
ZONE
1 Winter Springs Water
Treatment Plant (WTP) # 2
(West)
700 SHEOAH BLVD,
WINTER SPRINGS, 32708
X
2 Winter Springs Wastewater
Treatment Plant (WWTP,
West)
1000 W SR 434, WINTER
SPRINGS, 32708
X
3 Winter Springs Civic Center 400 N EDGEMON AVE,
WINTER SPRINGS, 32708
X
4 Winter Springs Senior Center 400 N EDGEMON AVE,
WINTER SPRINGS, 32708
X
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5 Winter Springs Fire
Department Station # 24
102 N MOSS RD, WINTER
SPRINGS, 32708
X
6 Winter Springs Public Safety
Complex
300 N MOSS RD, WINTER
SPRINGS, 32708
X
7 Winter Springs Water
Treatment Plant (WTP) # 3
110 W BAHAMA RD,
WINTER SPRINGS, 32708
X
8 Seminole County Public
Schools Transportation
Service Station
822 E State Rd 434, Winter
Springs,
X
9 Keeth Elementary School 425 TUSKAWILLA RD,
WINTER SPRINGS, 32708
X
10 Winter Springs Fire
Department Station # 26
850 NORTHERN WAY,
WINTER SPRINGS, 32708
X
11 Winter Springs Water
Treatment Plant (WTP) # 1
851 NORTHERN WAY,
WINTER SPRINGS, 32708
X
12 Winter Springs Wastewater
Treatment Plant (WWTP) East
1560 WINTER SPRINGS
BLVD, WINTER SPRINGS,
32708
X
13 Winter Springs City Hall 1126 E SR 434, WINTER
SPRINGS, 32708
X
14 Highlands Elementary School 1600 SHEPARD RD,
WINTER SPRINGS, 32708
X
15 Layer Elementary School 4201 SR 419, WINTER
SPRINGS, 32708
X
17 Winter Springs Elementary
School
701 W SR 434, WINTER
SPRINGS, 32708
X
18 Winter Springs High School 130 TUSKAWILLA RD,
WINTER SPRINGS, 32708
X
19 Indian Trails Middle School 415 TUSKAWILLA RD,
WINTER SPRINGS, 32708
X
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8 Winter Springs Floodplain Management Profile
Mitigation Measures
Mitigation is the effort to reduce loss of life and property by lessening the impact of
disasters. The policies adopted by Winter Springs work to achieve these objectives and
prevent flood damage. This community profile analyzes mitigation policies including
Future Land Use, Environmental Efforts, Stormwater Management, and Building Practices
all identified through the city’s Comprehensive Plan and Land Development Code.
Future Land Use
An analysis of the Future Land Use Map by Flood Zone (non-submerged acres) for the
City of Winter Springs is aggregated below. This analysis reflects the hazards that come
with planning for growth in flood prone areas.
Table 6. 0.2 Percent Annual Chance Flood Hazard* by Future Land Use (FLU), 2021
Flood Zone by Future Land Use Acres Percentage
0.2 Pct Annual Chance Flood Hazard* 1.84%
Low Density Residential 66.15 45.85%
Conservation 21.42 14.85%
Rural Residential 11.96 8.29%
Medium Density Residential 9.91 6.87%
Recreation 8.74 6.06%
Town Center District 8.45 5.86%
Public / Semi-Public 6.78 4.70%
Greenway Interchange District 5.01 3.47%
Industrial 2.33 1.62%
High Density Residential 2.09 1.45%
Commercial 0.79 0.55%
Mixed-Use 0.64 0.44%
Total
*of the 100 Year Flood
144.27 100.00%
In Winter Springs, 45.85% of the total percentage of acreage for the 0.2 Percent Annual
Chance Hazard of the 100-year flood is planned for Low Density Residential. The second
largest planned use is Conservation at 14.85%. The next largest future land use in this
flood hazard area is Rural Residential at 8.29%. Medium Residential and Recreation
comprise 6.87% and 6.06%. Town Center District, which is a variation of a mixed- use
district, is 5.86% of the total make up.
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Table 6. Flood Zone A by Future Land Use (FLU), 2021
Flood Zone by Future Land Use Acres Percentage
Flood Zone A 4.02%
Low Density Residential 101.62 32.35%
Rural Residential 76.42 24.33%
Recreation 70.47 22.44%
Conservation 52.36 16.67%
Medium Density Residential 6.57 2.09%
Public / Semi Publis 4.63 1.47%
High Density Residential 2.01 0.64%
Total 314.08 100.00%
Low Density Residential accounts for 32.35% of the total percentage of acreage in Flood
Zone A. The next largest future planned use is Rural Residential at 24.33%. Recreation
and Conservation account for 22.44% and 16.67%. Medium Density Residential
comprises 2.09% and Public/Semi-Public is planned for 1.47% of the total percentage of
acreage.
Table 7. Flood Zone AE by Future Land Use (FLU), 2021
Flood Zone by Future Land Use Acres Percentage
Flood Zone AE 12.39%
Conservation 534.58 55.17%
Low Density Residential 140.91 14.54%
Towne Center 86.9 8.97%
Greenway Interchange District 78.62 8.11%
Recreation 37.29 3.85%
Rural Residential 27.03 2.79%
Medium Density Residential 20.52 2.12%
High Density Residential 12.58 1.30%
Industrial 11.01 1.14%
Commercial 10.44 1.08%
Public / Semi-Public 4.96 0.51%
Mixed-Use 4.12 0.43%
Total 968.96 100.00%
In Flood Zone AE Conservation is designated for 55.17% of the total percentage of acres
of future land use. The next largest future is Low Density Residential at 14.54%. Town
Center District and Greenway Interchange District comprise 8.97% and 8.11%. Recreation
accounts for 3.85% of the total future use in this flood prone area.
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Table 8. Flood Zone AH by Future Land Use (FLU), 2021
Flood Zone by Future Land Use Acres Percentage
Flood Zone AH 2.51%
Conservation 192.34 97.96%
Medium Density Residential 3.08 1.57%
Low Density Residential 0.71 0.36%
Rural Residential 0.22 0.11%
Total 196.35 100.00%
Conservation accounts for 97.96% of the total future land use in Flood Zone AH. Medium
Density comprises 1.57%.
Table 9. Flood Zone X by Future Land Use (FLU), 2021
Flood Zone by Future Land Use Acres Percentage
Flood Zone X 79.24%
Low Denisty Residential 2380.9 38.45%
Medium Density Residential 892.72 14.42%
Rural Residential 768.98 12.42%
Town Center District 373.56 6.03%
Commercial 317.38 5.13%
Recreation 323.53 5.23%
Greenway Interchange District 289.25 4.67%
Public / Semi-Public 269.54 4.35%
Conservation 243.38 3.93%
High Desnity Residential 177.34 2.86%
Industrial 35.96 0.58%
Mixed Use 119.2 1.93%
Total 6191.74 100.00%
The largest future planned use in Flood Zone X is Low Density Residential at 38.45% of
the total make- up. Medium Density Residential accounts for 14.42% and Rural
Residential is 12.42%. Public/ Semi Public comprises 4.35% of the total make- up.
Recreation accounts for 5.23% of the future planned use in this flood zone.
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Figure 6. Future Land Use and Special Flood Hazard Areas (SFHA)
Figure 6a. Future Land Use
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Winter Springs COMM plan
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Figure 6b. FEMA Flood Zone Map - Special Flood Hazard Areas (SFHA)
Environmental Efforts
Environmental policies are a means to
which a municipality values its natural
heritage. Best practices in Floodplain
Management mitigation include
preserving natural areas located in
floodplains or directing open space/
recreation uses towards them.
In recent years, development in areas of
Lake Jesup, wetlands, and the 100-year
flood plain have become much stricter.
Figure 8 shows where these areas that is
in the Conservation Overlay.
Conservation Overlay in regards to the
Future Land Use Map- 2030. Even
though this map exists, it does not
prohibit development in these areas,
rather point out sensitive areas. If these
areas are deemed not sensitive,
development may be allowed.
In Winter Springs, most of the wetlands
are found near Lake Jesup. These
wetlands are considered palustrine which
consist of wet prairie, hydric hammocks
and hardwood swamps, bayhead, and
areas of cypress. These areas are being
protected because they are in the
floodzone and create a natural mitigation
against floods.
Erosion and Sedimentation
Control
The City’s Comprehensive Plan sets
objectives to protect minerals, soils and
vegetation. These policies protect bodies
of water and wetlands from siltation. The
regulations for water quality, erosion and
sedimentation control for both the city
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15 Winter Springs Floodplain Management Profile
and state regulatory agencies are
enforced during the development review
process and the implementation of the
capital improvements, private new
developments and re-developments.
Figure 7. Conservation Overlay
Conservation Overlay in Winter Springs.
Figure 8. Soil Map
In Winter Springs, development is
impacted by the type of soil present. This
is determined by how well they drain and
how much load they can bear. Figure 9
shows the areas where soil is approved
for development by the Soil Conservation
Service.
The two main soil types in Winter Springs
are Urban Land-Tavares-Millhopper and
Urban Land-Astatula-Apopka. Both of
these soils are known for being well
drained.
Stormwater Management
Stormwater management practices are
an essential component in mitigating
flood damage. Policies enacted at the
municipal level are essential in
controlling stormwater run- off to create
minimal damage impact on property.
There are 177 stormwater retention
ponds in Winter Springs.
In Winter Springs, there are many
policies that help with stormwater
management.
Policy 1.2.8 states that stormwater
management codes in the Code of
Ordinances must set the standards for
onsite stormwater systems and ways to
lessen the amount of untreated run- off
into the city’s lakes.
Policy 1.2.9 is the Stormwater Master
Plan. This policy states development is
not allowed unless it abides to the
Stormwater Master Plan.
Policy 1.10.1 is the Public Utility System
Land Requirements. This policy states
that proposed development in relation to
the existing utility and land needs
systems must be adequate. Stormwater
management falls in this category.
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16 Winter Springs Floodplain Management Profile
Figure 9. The Soils
On the left is the Urban Land-Tavares-
Millhopper Soil and the right is the Urban
Land-Astatula-Apopka Soil.
Building Practices
Building Practices are essential in
mitigating flood damage to structures
located in flood prone zones. There are
different practices that help protect
property and citizens.
Policy 1.2.7 requires all new construction
or substantial improvement and damage
repair must fall into the standards of the
National Flood Insurance Program
(NFIP).
The lowest floor of a structure must be
eighteen inches above the Base Flood
Elevation (BFE) established in the 100-
year plain. The Florida Building Code
mandates the BFE plus one foot free
board requirement.
The City Code of Ordinances states
many codes that help prevent flood
damage. If any structure is within a flood
zone, the City’s CFM representative
conducts a thorough assessment of the
property and location.
In December 31, 2023, Winter Springs
adopted the 2023 Florida Building
Codes, 8th edition, Chapter 16.
The City’s Building Department
maintained a BCEGS Class 4/4 as of the
2018 certification review.
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Goal 1 – City’s Floodplain Management Implementation Activities (Annual
Basis)
Objective 1.1 – Continue to maintain the City’s CRS Class 6
The City continues to implement the steps and procedures required to maintain
the City’s Class 6 designation. This is an ongoing item that will continue
throughout the duration of the certification. City will continue to review, monitor,
and inspect all developments within flood-prone areas to ensure compliance with
FEMA requirements and achieve satisfactory floodplain management outcomes.
This will benefit City’s residents by continuing to spread awareness about Special
Flood Hazard Areas and providing cost savings through insurance discounts. The
only cost associated with this objective is the time that staff spent coordinating
with FEMA.
Objective 1.2 – Continue to provide accessible flood protection information and
public outreach
The City continues to provide flood protection information and resources to
current and prospective residents and business owners. Information is available
at City Hall, the City’s website, and by contacting the City’s CRS coordinator.
This is an ongoing item that will continue throughout the duration of the
certification. The City will modify the availability of these items as current
accessibility requirements adapt. The costs associated with this objective are
minimal and only require staff time and coordination.
Objective 1.3 – Continue to preserve open space areas
The City of Winter Springs defines open space and conservation areas within the
City’s Future Land Use Maps, Recreation and Open Space Element and
Conservation Element of the City’s Comprehensive Plan. The City continues to
preserve these areas to the greatest extent possible during planning and land
development review. The City reviews these areas on a regular basis and the
costs associated are minimal to the City.
Objective 1.4 – Continue to enforce flood management provisions
The City enforces flood management provisions through permit and land
development review. The City’s flood management provisions are more
restrictive than the current FEMA minimums, which has likely resulted in a lessen
impact to structures within Special Flood Hazard Areas. Our goal is to minimize
recurring flood damages to properties within the floodplain and to encourage the
adoption of higher development standards in flood-affected areas.
The cost associated with this objective is minimal to the City and is part of
standard permit review.
Objective 1.5 – Continue to provide the inspection and maintenance of the
drainage infrastructure and system
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18 Winter Springs Floodplain Management Profile
The City performs routine inspections and maintenance activities on all publicly
owned infrastructure as part of the City’s National Pollutant Discharge Elimination
System Municipal Separate Storm Sewer System permit. This includes periodic
inspections and maintenance of critical City outfalls, pipes, inlets, and weirs to
ensure efficient drainage conveyance for stormwater and flood flows. This is an
ongoing item and the City typically exceeds the State minimums for inspections.
Not including staff wages, the City typically spends about
$250,000 between maintenance and capital improvements on the drainage
infrastructure and system.
Goal 2 – Work in conjunction with the county, the cities and other local
governments to create and support floodplain management throughout the
county
Objective 2.1 – Participate in the countywide Floodplain Management Plan and
associated Floodplain Management Team working group
The City continues to work with the county, surrounding cities and FEMA in a
collaborative effort to support floodplain management in Seminole County and its
associated cities. This is an ongoing item that has minimal costs to the City.
Objective 2.2 – Coordinate with the County and other local government agencies
to develop and administer outreach programs by business, industry, institutions,
and community groups.
The City continues to work with the County and local agencies to participate in
the various outreach programs led by the County. This is an ongoing item with
minimal costs to the City.