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.