top of page
  • Writer's pictureFloodPrice

What is Flood Zone A?

Flood Zone A is one of the most common high-risk flood zones designated by the Federal Emergency Management Agency (FEMA). Knowing the specifics of Flood Zone A is crucial if you live in or are considering buying a property in these areas. This guide will help you understand what it means to live in Flood Zone A, the implications for flood insurance, and how to effectively manage flood risk.

Understanding Flood Zone A

Flood Zone A is part of FEMA's Special Flood Hazard Areas (SFHAs), indicating a higher risk of flooding. These areas have at least a 1% annual chance of flooding, often referred to as the 100-year flood zone. This means that over a 30-year mortgage, there's a 26% chance of experiencing a flood. Properties in Flood Zone A are typically near rivers, lakes, or streams, making them particularly vulnerable to flood events.


Buying a Home in Flood Zone A

Understanding Flood Zone A is essential for several reasons:

  1. Flood Risk: Properties in Flood Zone A have a higher risk of flooding compared to those in lower-risk zones, which can have significant financial and safety implications.

  2. Insurance Requirements: Homeowners in Flood Zone A are mandated to obtain flood insurance if they have a federally backed mortgage (most loans are). This ensures that properties are financially protected against flood damage.

  3. Property Values: The risk of flooding and the associated insurance costs can affect property values and the overall cost of homeownership.


Flood Insurance Requirements for Flood Zone A

Many flood zones, including Flood Zone A, are considered by FEMA to have a high risk of flooding. The Flood Disaster Protection Act of 1973 mandates that any structure located in a high-risk area purchase flood insurance as a prerequisite for receiving a federally backed loan. This requirement helps protect both the homeowner and the lender from potential losses due to flooding. Even if you live outside a high-risk flood zone, flood insurance is still a wise choice. Statistics show that people who live outside a high-risk area file more than 25% of flood claims.

How Much does Flood Insurance Cost in Flood Zone A?

The cost of flood insurance in Flood Zone A varies based on several factors:

  • Base Flood Elevation (BFE): BFE, or Base Flood Elevation, is the elevation that water is expected to reach during a flood, as determined by FEMA. This can greatly affect the cost of a flood policy. Insurers compare the BFE to the elevation of your home's lowest floor to assess risk. Homes with the lowest floor below the BFE usually incur higher premiums.

  • Distance to Water: The cost of a flood policy is influenced by how close your home is to water bodies. When assessing flood risk, insurers often measure the distance from your home to the nearest water source. Homes situated closer to water may face higher premiums. Use our Flood Zone Lookup tool to help determine your property’s surroundings.

  • Coverage Amount and Deductible: The deductible you choose and the amount of coverage you select for your building and its contents impact the overall cost. NFIP policies provide up to $250,000 in building coverage, while private insurers often offer much higher limits.


Save Money on Flood Insurance in Flood Zone A

  1. Choose Higher Deductibles: Opting for a higher deductible can reduce your premium. Be sure you have enough savings to cover the deductible if you need to file a claim.

  2. Private Flood Insurance: Compare the cost and coverage options of an NFIP policy with those of private flood insurance. Private insurers often offer more competitive rates and better coverage options tailored to your specific needs. We offer both! If you want us to do the shopping for you, give us a call at 866-503-5663.

  3. Community Rating System (CRS) Discounts: If your community participates in FEMA’s CRS program, you might be eligible for discounts on flood insurance premiums based on local floodplain management activities.

  4. Obtain a Copy of the Previous Owner’s Flood Policy: The current homeowner might have an NFIP policy with a grandfathered rate that is lower than a new policy. By providing a copy of the declarations page to FloodPrice, we can often secure the grandfathered premium, potentially saving you thousands of dollars.


Mitigating Flood Risks in Flood Zone A

Homeowners in Flood Zone A can take several steps to reduce flood risk and potentially lower insurance costs:

  1. Elevate Your Home: Raising the lowest floor above the BFE can significantly reduce flood risk and insurance premiums.

  2. Floodproofing: Implementing flood vents and water-resistant building materials can help mitigate flood damage.

  3. Maintain Proper Drainage: Ensuring your property has adequate drainage systems can prevent water accumulation and reduce flood risk.

  4. Regular Maintenance: Keeping gutters, downspouts, and drainage systems clear of debris can help manage water flow during heavy rains.


Preparing for Flood Events in Flood Zone A

Preparation is key to minimizing the impact of floods:

  • Emergency Plan: Develop a flood emergency plan that includes evacuation routes and a communication strategy.

  • Emergency Kit: Assemble an emergency kit with essential supplies such as food, water, medications, and important documents.

  • Stay Informed: Keep up to date with weather forecasts and flood warnings in your area.


Living in Flood Zone A

Living in Flood Zone A requires proactive measures to manage the higher risk of flooding. By understanding the implications of this designation, securing appropriate insurance coverage, and implementing mitigation strategies, homeowners can protect their properties and reduce potential losses. For personalized advice and to explore your flood insurance options, visit or contact us today at 866-503-5663 to speak to a flood expert.  


Related Posts

See All


bottom of page
Customer Reviews