When buying a home, one of the first things you'll need to determine is if the house is in a flood zone. Purchasing flood insurance is required for homes located in such high-risk regions. Homes in an area deemed high-risk (officially called "Special Flood Hazard Areas") have a higher chance of flooding than homes deemed low-risk; however, being in a low-risk area does not guarantee your security. Although flood insurance is optional for low-risk homes, it should still be strongly considered.
- Skill level:
- Moderately Easy
Visit Federal Emergency Management Agency (FEMA) National Flood Insurance Program website (see Resources).
Type the house's street address, city, state and postcode. Click "Go."
View the property's flood risk rating. A "High Risk" (Special Flood Hazard Area) rating means the property is in a flood zone. In this situation, purchasing flood insurance is mandatory. If the property's risk rating is "Moderate-to-Low," the house is not in a flood zone; flood insurance is recommended, but not required.
Tips and warnings
- According to FEMA, nearly 25 per cent of flood insurance claims come from "Moderate-to-Low" risk areas. Flood insurance is always recommended as a safety precaution.
- 20 of the funniest online reviews ever
- 14 Biggest lies people tell in online dating sites
- Hilarious things Google thinks you're trying to search for