How To Find Out If Your Home Is in a Flood Zone

6/17/2022 (Permalink)

How to Determine Whether or Not Your House Is in a Flood Zone

If you are a homeowner, it's important that you understand your flood risk. One of the first steps to do this is to find out whether you are in a flood zone. Being in such a zone increases your risk of flooding, particularly after a severe storm.

1. Obtain and Review Flood Maps

You can get the information you need about your zone by obtaining and looking at relevant flood maps. The Federal Emergency Management Agency website is your resource for finding and downloading flood maps for review. You may choose to use a map showing your entire community, or you can create a custom map — called a FIRMette — of a smaller area that you define. Check effective dates on maps to ensure you are looking at the most up-to-date information.

If you believe there is an error on the maps provided by FEMA, consider requesting a map change from the agency. FEMA will determine if your zone designation needs to be changed, potentially saving you money on premiums.

2. Determine Insurance Needs Based on Flood Zone Status
Flood insurance is available to you as a homeowner, regardless of where you are on the map. But if you find out you are in a higher risk zone, you may desire more coverage. Discuss your options with your insurance company to help mitigate financial costs should you experience flood damage to your home in Fort Myers, FL.

3. Be Prepared and Make Changes Ahead of Time
If you learn that you are in a flood zone, you can take certain precautions. Make sure to have emergency flood supplies on hand, and choose new building projects based on your risk. You may want to build or purchase property outside of your current zone. Also, have contact information of a flood restoration and cleanup company on hand should your home experience damage.