Floodplain Information

Updated 10/25/19

The City recently achieved a flood class improvement rating!  Residents and businesses within the City of Carver are now eligible for a 20 percent flood insurance premium discount, which is an improvement from the previous 15 percent that was in place.  

The Community Rating System (CRS) is a voluntary program under the Federal Emergency Management Agency’s (FEMA) National Flood Insurance Program (NFIP) that allows communities to earn flood insurance premium discounts for their residents and businesses.  Communities earn CRS credit points for activities that promote good flood risk reduction practices and encourages the purchase of flood insurance.  CRS Class Ratings are assigned at 500-point increments, and each improvement in a Class Rating nets an additional five percent flood insurance premium discount.  The CRS Class Ratings range from 1 to 10, with 1 being the highest rating and 10 being the lowest rating.

The City of Carver has participated in the CRS program since 2015 and is now rated as a Class 6 community, which means residents and businesses get a 20% discount on their flood insurance premiums.  If you have any questions regarding flood insurance and the City’s certification, contact Erin Smith (esmith@cityofcarver.com or 952-448-8743).  To access FEMA’s National Flood Insurance Program information, click HERE.

The City of Carver adopted Carver County’s All-Hazard Mitigation Plan.  To view the mitigation plan, click HERE.

Flood Preparation Safety Brochure/Folleto de seguridad para la preparación de inundaciones

Know Your Flood Hazard

The local streams and rivers in the City of Carver include the Minnesota River, Spring Creek, and Carver Creek.  The history of flooding of these waterways indicates that flooding usually occurs during the spring and summer months of the year.  The area is particularly susceptible to flooding caused by a combination of snowmelt and rainfall.

Not all floods are alike.  Some floods develop slowly, while others can develop quickly with localized heavy rains.  Protecting yourself today means preparing your home or workplace, collecting sources of information, developing an emergency communications plan, and knowing what to do when a flood is approaching your home or business.

The 100-year flood plain is the area that has a 1% chance of being flooded in any given year, or on the average of once every 100 years.  Put another way, the area has a 25 percent chance of being flooded over the life of a 30-year mortgage.  Smaller floods have a greater chance of occurring in any year and can still create a significant flood hazard to people and property close to the channel.  Also, larger floods can and do occur.  According to the National Flood Insurance Program (NFIP), more than 25 percent of all flood claims each year come from homes outside areas at high risk for flooding.

Insure Your Property For Your Flood Hazard

If you do not have flood insurance, talk to your insurance agent.  Most homeowners’ insurance policies do not cover losses due to flooding.  Flood insurance is only available to those participating communities in the National Flood Insurance Program (NFIP).  Carver participates in the National Flood Insurance Program, which makes flood insurance available to everyone in the City even if your property is outside of the flood plain areas.

For many people, their home and its contents represent their greatest investment.  Be sure to check your policy to ensure you have adequate coverage.  Usually these policies cover the structure but not the contents.  Content coverage can be obtained by asking.  There is a 30-day waiting period before insurance coverage becomes effective.  Plan ahead; do not wait until a flood is predicted before purchasing flood insurance.

The cost of the policy will vary depending on the amount of coverage and the degree of the flood hazard.  Carver participates in the Community Rating System (CRS), which reduces flood insurance policy rates through proper floodplain management programs.

Information about flood insurance can be obtained from your insurance agent.  You do not have to live in the flood plain to qualify for flood insurance.  Property owners can insure their buildings and contents and renters can insure their possessions.

Protect People From The Hazard

Many times, flooding along the Minnesota River can be predicted up to a week in advance, giving ample warning to prepare for a potential flood event.  However, in the event of localized flooding due to a large rain event, plugged storm sewer drain, and storm ponds overflowing, the following tips will help protect yourself and your family in either type of flooding event:

  • Reduce the risk of damage from flooding by elevating critical utilities, such as electrical panels, switches, sockets, wiring, appliances, and heating systems.
  • In areas with repetitive flooding, consider elevating the entire structure.
  • Make sure basements are waterproofed and your sump pump is working.  Then, install a battery-operated backup in case of power failure.
  • Installing a water alarm will also let you know if water is accumulating in your basement.
  • Clear debris from gutters and downspouts.
  • Anchor any fuel tanks.
  • Move furniture, valuables, and important documents to a safe place.
  • Store copies of irreplaceable documents (such as birth certificates, passports, etc.) in a safe, dry place.  Keep originals in a safe deposit box.
  • Build an emergency supply kit:  Food, bottled water, first aid supplies, medicines, and a battery-operated radio should be ready to go when you are.  Visit Ready.gov for a complete disaster supply checklist.
  • Plan and practice a flood evacuation route.  Ask someone out of state to be your “family contact” in an emergency, and make sure everyone knows the contact’s address and phone number.
  • Make a pet plan.  Many shelters do not allow pets.  Make plans now on what to do with your pets if you are required to evacuate your residence.

Protect Your Property From The Hazard

Create a personal flood file containing information about your possessions and keep it in a secure place, such as a safe deposit box or waterproof container.  Include in the file:

  • A copy of your homeowner’s insurance policy and the agent’s contact information;
  • House inventory – Written and visual inventory (either videotape or photograph). Record all major household items and valuables on all levels within the home, including the attic and the garage.  Have jewelry and art appraised, and include serial numbers and copies of receipts.  These documents are critically important when filing insurance claims.

Prepare your house:

  • Make sure your sump pump is working properly. Install a battery backup sump pump, in case of a power outage.
  • Install gutters and clear debris from the gutters and downspouts.
  • Move furniture and important documents to a safe place.
  • Place furnace, water heater, washer, and dryer on cement blocks 12” above the floor.
  • Landscape the yard so water drains away from the structure.

Being prepared for a flood and having a plan in place before the event occurs can greatly reduce the chance of property damage.

Build Responsibly

Most construction projects require a building permit whether the project is a small addition, interior remodel, or a simple accessory structure.  These projects are reviewed by the Building Inspection Department to verify they meet certain building codes, as well as meet the flood proofing design requirements if the property is within the 100-year flood risk area.  The specific building components and materials along with design features are required for these structures in order to minimize damage in the event of a flood.

The National Flood Insurance Program and Carver City Ordinance requires that if the cost of reconstruction, rehabilitation, addition, or other improvements to a building in the flood plain equals or exceeds 50% of the buildings market value, then the building must meet the construction requirements of a new building placed in the flood plain.  In most cases, this would require that the building be elevated to the flood protection elevations as required by City Ordinance.

Please call City Hall to ask questions you may have regarding the flood plain or a construction projects.

Protect Natural Floodplain Functions

The City of Carver has many beautiful floodplain areas.  The undisturbed river bottoms and creeks provide a wide range of benefits to the people and natural systems.

These areas provide breeding and feeding grounds for fish and wildlife, create an enhanced waterfowl habitat, and protect habitats for rare and endangered species.  They provide open space and aesthetic pleasure in areas for active and passive uses.  They also provide flood storage and conveyance, and reduce flood velocities and flood peaks.

Although the City has a storm sewer and drainage maintenance program, it is impossible to keep all drainage systems clear at all times.  As a citizen, you can assist by keeping the banks, ditches, and streams clear of brush and debris, and not allow grass clippings, oil, or other contaminants in storm sewer inlets.  Dumping of debris into ditches and streams is a major cause of local drainage problems, and is a violation of City of Carver regulations.

To report a violation or maintenance problem, please call the City at 952-448-5353.


February 13, 2017 – The City has received notice from the Federal Emergency Management Agency (FEMA) that the proposed new Flood Insurance Study (FIS) and Flood Insurance Rate Maps (FIRM) are in the required 90-day appeal process prior to their becoming final for floodplain management purposes.  These proposed documents would replace the existing Flood Insurance Rate Maps for the City.  Copies of the proposed new FIRMs and FIS that affect Carver can be found below. 


  1. Flood Insurance Study
  2. Panel 27019C0217D
  3. Panel 27019C0219D
  4. Panel 27019C0355D
  5. Panel 27019C0332D
  6. Panel 27019C0238D
  7. Letter from FEMA
  8. How Change Affects Insurance

Information  Contacts:
Erin Smith, Community Development Director/esmith@cityofcarver.com/952-448-8743