FEMA Flood Zone Map
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 a flood zone. As an example, in a recent flood in Michigan only 8% of homes damaged had flood insurance. Since homeowner policies don’t typically cover flood damage, most of the cost of repair fell to the homeowners.
Want to see your potential flood risk?*
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Find out if you're in a flood zone! Remember, even if you're just outside a flood, "No Flood Zone" does not equal "No Risk"!
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*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.