Which Flood Zone Are You In?

Rain storm water is overflowing off the roof.

A flood zone is a defined geographic area with a specific flood hazard risk that represents the probability and impact of flooding. As the 2024 hurricane season begins—forecast to be more extreme than average—learn which flood zone you live in, and why it’s important to protect your home from damage caused by flooding.

5 Flood Zone Types

  1. Low Risk: C & X
  2. Moderate Risk: B & X
  3. High Risk: A
  4. Coastal High Risk: V, VE
  5. Undetermined Risk: D

To find out your flood zone and risk, visit the Federal Emergency Management Agency (FEMA) Flood Map Service Center and enter your home address. The zone you are in is used to determine insurance requirements and costs. There are several factors that determine a flood zone, including flood frequency, distance to a water source, and property characteristics (such as elevation and the cost to rebuild).

Flood Facts

Floods can happen anywhere, even in low-risk areas. Here are five facts about flooding you may be surprised to learn:

  1. Most home insurance policies do not cover flood damage.
  2. Flooding is the most common and costly disaster in the U.S.
  3. As little as one inch of water can cause $25,000 in damages.
  4. More than 40% of flood claims come from outside high-risk areas.
  5. Since 1998, 99% of U.S. counties have experienced a flood.

Flood Coverage

Flood insurance may cost less than you think, and if you live outside of a designated flood zone, your rates may be lower. A Westwood flood policy includes coverage for the following:

  • Your home and its foundation
  • Electrical and plumbing systems
  • Air conditioning, furnaces, and water heaters
  • Flooring
  • Kitchen appliances
  • Clothing, furniture, and electronic equipment
  • Up to $2,500 in art, jewelry, and furs

NOTE: There’s a 30-day waiting period for a flood policy to become effective.

Flood insurance can be affordable. Flood damage may not be. Contact a Westwood agent today to learn more about this important protection for your home and belongings.

Please Note: This article is for general informational and educational purposes only. It does not represent any specific insurance policy and does not modify any provisions, limitations, or exclusions of any current policy.