Determining Flood Zones

Determining Flood Zones

Can you rely on public flood information when determining flood zones?

The answer is NO.  When you adopt this practice, you leave yourself open to liability.   All public sources will have disclaimers in varying degrees which express the fact that the information should not be used for flood insurance rating purposes.  These public systems are also not 100% accurate in identifying property locations and are not official determinations of flood status.

You should consider many factors when determining flood zones:

  • Is my INSURABLE STRUCTURE affected by a high risk flood zone?
  • Is there a LOMA or LOMR removing the property or structure from the High Risk Flood Zone?
  • Was there a recent map change that could have changed my flood status?
  • Is there a pending map change that could change my flood status in the future?
  • What is the elevation of the structure compared to the Base Flood Elevation?

This information is not readily available and sometimes not easily understood.  This data should be analyzed by a flood determination expert to insure accuracy when determining flood zones and the mandatory purchase requirement for flood insurance.

Many considerations are instrumental in determining a property’s flood status and the flood insurance premium.  New maps are changing the flood zones of properties all across the country.  A flood determination is no longer a check box on a form. New laws and regulations regarding mitigation and rebuilding must be observed.

Run a Flood Determination Report from www.myfloodstatus.com.  The report comes with the professional guidance of the “Flood Resource C­­enter”, which will provide customer support, understanding and direction.  Certified flood plain managers and flood specialists can help lower flood insurance premiums and possibly remove properties from high risk flood zones.

Each report is insured.  You shift the liability and the burden of dealing with flood related issues to the professionals.  Don’t put yourself at risk by determining flood zones with misleading online tools.   Leave this to My Flood Status and the Flood Resource Center powered by WTG, they stand behind every determination.

For more information go to www.myfloodstatus.com or call 855-653-5663.

What is a flood zone?

What flood zone am I in?

All properties within a community that participates in the National Flood Insurance Program (NFIP) are in a flood zone. Every structure located in one of the more than 20,400 NFIP-participating communities is in a “flood zone”. Determining what flood zone you are in and if that zone is considered a Special Flood Hazard Area (SFHA) are of paramount importance. And, as we have seen in recent years and even recent months, being located outside a SFHA does not guarantee immunity from the possibility of flood loss.

A SFHA is any zone beginning in the letters “A” or “V”, these are the high-risk zones where flood insurance is required. All SFHA’s are flood zones, not all flood zones are SFHA’s.

Supposed “non-hazardous” flood zone areas, historically delineated using “B, C, or X are considered areas of moderate of minimal hazard. Flood insurance is not required in these areas.

When determining flood status, the location of any insurable structure(s) on the property is key. Flood insurance is only required (by FEMA) when any part of an (inhabited) structure(s) encroaches (touches) a SFHA.  This is FEMAs Mandatory Purchase Requirement on a property with a federally backed mortgage.

You are eligible to purchase flood insurance as long as your community participates in the National Flood Insurance Program. If you do not have a mortgage and are in or near a SFHA, we highly recommend you purchase flood insurance.