How to Know If You Live in a Flood Zone

Check the FEMA flood map

The Federal Emergency Management Agency, or FEMA, has a tool that makes it easy to see if your address is in a flood zone. The Flood Map Service Center shows information like flood zones, floodways, and your home's risk level.

There's also topographical and infrastructural information about features like levees, coastal barriers, and the base flood line. At first, the map may not make much sense, but it's easier to read than it seems.

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fema map

Screenshot of FEMA map.

How to use the FEMA flood map

The map shows overlays of specific floodplains and the risk around your property. You might say labels such as, "Area of Minimal Flood Hazard," or "0.2 PCT Annual Chance of Flood Hazard."

Fortunately, you don't have to figure out what that means on your own. FEMA provides a glossary to help you decode some of the more confusing terms. 

Checklist
Update dates

When you examine the flood map, some of the labels may seem dated. These dates just refer to when the map was officially adopted by your area. You can toggle these dates on and off or check out the Dynamic Map to see updated versions.

Understanding flood zones

Flood zones are labeled alphabetically (Zone A, Zone B, etc.). These labels are primarily used by insurers to help determine flood risk and set flood insurance rates and terms. Here's a quick rundown of what the most common flood zones mean for you and your house.

  • Zone A: This is the most common flood zone, and there are five types of Zone A floodplains. If you live in a Zone A flood zone, it means you're in a special flood hazard area that's not coastal. The type of Zone A that applies to your home will impact your flood insurance premium.
  • Zone B: Homes in Zone B face a moderate flood hazard risk.
  • Zone C: Homes in Zone C face a minimal flood hazard risk.
  • Zone D: This zone indicates a possible risk of flooding, but the hazard level is undetermined.
  • Zone V: This is a special flood hazard area with high risk for floods in coastal areas.
  • Zone X: On newer flood insurance rate maps, Zones B and C are identified as Zone X.

Keep track of changes

With new construction and changes in topography, floodplains and flood zone designations can change over time. Make a plan to check for changes in your property's flood zone designation every five years or so.

Keeping an eye on your flood zone designation not only makes you better prepared for a possible flood, but it also ensures that you always have the right type and amount of flood insurance.

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Expert tip

Remembering to do something every five years isn't easy. If you think you'll have a hard time remembering, try to tie it to your milestone birthdays—whenever you reach an age that ends in a five or a zero, it's time to visit FEMA again to check your home's flood zone status.

How to prevent your home from flooding

Prevent floods with sensors
Resideo Wi-Fi leak detector

Amazon.com list price as of post date. Read full disclaimer.

There are several ways to prevent your home from flooding. One of them is using a flood sensor, devices that notify you of water leaks.

These sensors detect leaks from appliances like your water heater and washing machine, and can also alert you to weather-related leaks in the basement.

You can also look into home security systems that provide flood protection. This way you're sure to get an alert if any unwanted water shows up in your home.

We’ve also found the best sump pumps if you’ve got to get water out of your home before things get out of hand.

Look into flood insurance

If you live in a flood zone, the next thing to do is find out if you have flood insurance. While floods are much more common fires, most homeowners policies don't cover flood damage.2

Flood insurance policies are available through private carriers, but you can also opt for government-sponsored coverage through the National Flood Insurance Program (NFIP).

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Pay less

Flood insurance costs between $200 and $800 a year, but the NFIP has ways that you can lower that cost by better protecting your home against flooding. Visit FloodSmart.gov to learn more about the NFIP and how you can pay less for flood insurance.

FAQ

No, they're not. Federal laws don't require sellers or agents to disclose any previous flooding on a property when it's up for sale.

It's up to you as a buyer to find out the property's history—but keep in mind that even if you don't, your mortgage company will, and a flood zone designation could impact your ability to get financing.

You don't want any surprises when it's time to get a mortgage for your new home, so do the research before you make an offer.

Maybe—it depends on its flood zone designation. Properties in flood zones with a higher risk factor usually require flood insurance for a mortgage.

Your house is your collateral for your home loan, and if it’s destroyed in a flood, your mortgage company stands to take a financial hit, so flood insurance is pretty important to lenders.

Floods are a rare occurrence, even for areas with high risk, like waterfront properties and coastal areas. A one percent chance of flooding means that your area is expected to get a devastating flood once every 100 years.

While that may not seem like a huge risk, it’s pretty high, considering the fact that an entire geographical area could be wiped out. A one percent risk should be taken seriously, especially since you don’t know where you are in that 100-year cycle.

Possibly, but having flood insurance on the property can help, because that way, potential buyers will know their options for insuring the home. You can also take proactive steps to protect your home against floods, like elevating it or taking other measures to make your home more flood-resistant.

Read FEMA’s Reducing Flood Risk to Residential Buildings that Cannot Be Elevated to learn more about how you can better protect your home.

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Sources

  1. FEMA, "Flood Zones," July 2020. Accessed June 1, 2022.
  2. FEMA, “FEMA Flood Map Service Center.” Accessed June 1, 2022.

Disclaimers

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Kasey Tross
Written by
Kasey Tross
Kasey is a trained Community Emergency Response Team (CERT) member and a freelance writer with expertise in emergency preparedness and security. As the mother of four kids, including two teens, Kasey knows the safety concerns parents face as they raise tech-savvy kids in a connected world, and she loves to research the latest security options for her own family and for SafeWise readers.

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