FEMA Flood Zone Map

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Enter Your Address into our Flood Zone Lookup Tool and Find out if Your Home is in a Flood Zone.

Knowing your flood zone is important when buying flood insurance. However, even if you live outside a designated flood zone, you may still be at risk. According to FEMA, more than 20% of flood insurance claims fall outside of a flood zone. Use our interactive flood zone lookup tool and enter your address below to find out if you're in, or near, a flood zone!

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Important Note: If your property overlaps multiple flood zones, it is likely that flood insurance will be required by your lender.

Map Legend

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What Does Your Flood Zone Mean?

Did you determine your home is in a flood zone, but aren't sure what that means? Below, we have FEMA's definition of each flood zone and whether or not flood insurance is mandatory or recommended

 

Flooding is the most common natural disaster in the United States, and if you've determined flood insurance is right for you, get an instant quote by clicking the button below! Our private flood insurance is often cheaper than the NFIP, while providing broader coverage options.

Get an instant private flood insurance quote by clicking the button below. Our private flood insurance is often cheaper, but if you'd like an NFIP quote, we can do that too. Just call our support line at 866-503-5663.

High Risk Flood Zones

Flood Insurance is Mandatory in these zones.

Flood Zone
FEMA's Descriptions
A
Areas with a 1% annual chance of flooding and a 26% chance of flooding over the life of a 30‐year mortgage. Because detailed analyses are not performed for such areas; no depths or base flood elevations are shown within these zones.
AE
The base floodplain where base flood elevations are provided. AE Zones are now used on new format FIRMs instead of A1‐A30 Zones
A1-30
These are known as numbered A Zones (e.g., A7 or A14). This is the base floodplain where the FIRM shows a BFE (old format). These zones are slowly being replaced by Zone AE.
AH
Areas with a 1% annual chance of shallow flooding, usually in the form of a pond, with an average depth ranging from 1 to 3 feet. These areas have a 26% chance of flooding over the life of a 30‐year mortgage. Base flood elevations derived from detailed analyses are shown at selected intervals within these zones.
AO
River or stream flood hazard areas, and areas with a 1% or greater chance of shallow flooding each year, usually in the form of sheet flow, with an average depth ranging from 1 to 3 feet. These areas have a 26% chance of flooding over the life of a 30‐year mortgage. Average flood depths derived from detailed analyses are shown within these zones.
AR
Areas with a temporarily increased flood risk due to the building or restoration of a flood control system (such as a levee or a dam). Mandatory flood insurance purchase requirements will apply, but rates will not exceed the rates for unnumbered A zones if the structure is built or restored in compliance with Zone AR floodplain management regulations.
A99
Areas with a 1% annual chance of flooding that will be protected by a Federal flood control system where construction has reached specified legal requirements. No depths or base flood elevations are shown within these zones.
V
Coastal areas with a 1% or greater chance of flooding and an additional hazard associated with storm waves. These areas have a 26% chance of flooding over the life of a 30‐year mortgage. No base flood elevations are shown within these zones.
VE, V1-30
Coastal areas with a 1% or greater chance of flooding and an additional hazard associated with storm waves. These areas have a 26% chance of flooding over the life of a 30‐year mortgage. Base flood elevations derived from detailed analyses are shown at selected intervals within these zones.

Moderate to Low Risk Flood Zones

Flood Insurance is Often Recommended in these zones.

Zoom out on the map to determine how close the next high risk zone is to your home, our reach out to us and we can help you determine your risk: 866-503-5663

Flood Zone
FEMA's Description
C and X (unshaded)
Area of minimal flood hazard, usually depicted on FIRMs as above the 500‐year flood level. Zone C may have ponding and local drainage problems that don't warrant a detailed study or designation as base floodplain. Zone X is the area determined to be outside the 500‐year flood and protected by levee from 100‐ year flood.
B and X (shaded)
Area of moderate flood hazard, usually the area between the limits of the 100‐year and 500‐year floods. B Zones are also used to designate base floodplains oflesser hazards, such as areas protected by levees from 100‐year flood, or shallowflooding areas with average depths of less than one foot or drainage areas lessthan 1 square mile.

Undetermined Risk Flood Zones

No Flood Hazard Analysis has been Conducted.

Flood Zone
FEMA's Description
D
Areas with possible but undetermined flood hazards. No flood hazard analysis has been conducted. Flood insurance rates are commensurate with the uncertainty of the flood risk

*The National Flood Hazard Layer (NFHL) is a geospatial database that contains current effective flood hazard data. FEMA provides the flood hazard data to support the National Flood Insurance Program. You can use the information to better understand your level of flood risk and type of flooding.

The NFHL is made from effective flood maps and Letters of Map Change (LOMC) delivered to communities. NFHL digital data covers over 90 percent of the U.S. population.  New and revised data is being added to the Flood Insurance Rate MAP (FIRM) continuously. If you need information for areas not covered by the NFHL data, there may be other FEMA products which provide coverage for those areas.

 
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