Understanding Flood Maps

Homeowners insurance doesn’t typically cover flood insurance and thus you need to determine if you want to pay for the additional Flood Insurance Coverage.  If you are in a high-risk zone, then your mortgage may  require you to have flood insurance.  If you are in a Moderate-to-low risk, then you need to determine if you want to add it on to your insurance.

Flood zones are determined by the Federal Emergency Management Agency (FEMA), which prepares detailed maps indicating the likelihood of flooding during the a certain period. The maps are updated on an ongoing basis and form the basis for flood insurance coverage requirements.

There are three general categories that cover the state of Florida:

High-risk zones – A or V
High-risk zones are also knows as Special Flood Hazard Areas (SFHAs).  These begin with the letters “A” or “V.”  “V” zones are the most hazardous of the Special Flood Hazard Areas and require flood insurance. “V” zones typically include the first row of beachfront properties.  “A” zones are typically near lakes, rivers, streams or other areas of bodies of water and also require flood insurance.

Moderate-to low-risk zones – X, B, or C
Moderate to low-risk zones are known as Non-Special Flood Hazard Areas (NSFHAs), which being with the letters “X,” “B,” or “C.”  Properties in these areas submit more than 20% of National Flood Insurance Program claims, and thus they are still in areas of risk.

Unknown-risk zones – D
Unknown-risk zones is where the flood hazard is undetermined, are labeled as Zone “D.” Flood insurance rates reflect the uncertainty of the flood risk.

To determine the flood zone location of a property, visit the FEMA site, https://msc.fema.gov/portal (Enter the property address or area.)  To learn more about flood maps and insurance requirements, go to floodsmart.gov – the official site of the National Flood Insurance Program.

Infinity Realty Group
20 S Main St #260
Winter Garden

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