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Heavy rains, poor drainage, and even nearby construction projects can put you at risk for flood damage. Flood maps are one tool that communities use to know which areas have the highest risk of flooding. FEMA maintains and updates data through flood maps and risk assessments.
Flood maps, known officially as Flood Insurance Rate Maps, show areas of high- and moderate- to low-flood risk. They are shown as a series of zones. Communities use the maps to set minimum building requirements for coastal areas and floodplains; lenders use them to determine flood insurance requirements.
FEMA Flood Map Service Center: Search By Address. Enter an address, place, or coordinates: Whether you are in a high risk zone or not, you may need flood insurance because most homeowners insurance doesn't cover flood damage.
The National Flood Hazard Layer (NFHL) is a geospatial database that contains current effective flood hazard data. FEMA provides the flood hazard data to support the National Flood Insurance Program. You can use the information to better understand your level of flood risk and type of flooding.
Flood insurance is available to anyone living in one of the almost 23,000 participating NFIP communities. Homes and businesses in high-risk flood areas with mortgages from government-backed lenders are required to have flood insurance.
Flood Zones. Flood hazard areas identified on the Flood Insurance Rate Map are identified as a Special Flood Hazard Area (SFHA). SFHA are defined as the area that will be inundated by the flood event having a 1-percent chance of being equaled or exceeded in any given year.
These examples show the cost of flood insurance for single-family homes under NFIP’s pricing approach, using data from single-family policies in-force as of August 31, 2023. Learn more about the switch from the legacy rating method to NFIP’s pricing approach.
The National Flood Insurance Act of 1968 launched the National Flood Insurance Program. The Flood Disaster Protection Act of 1973 mandated that lenders require flood insurance on loans secured by properties located within high-risk flood areas
Here are some of the most common myths and facts about flood insurance and the NFIP. MYTH: You can’t buy flood insurance if you are located in a high-risk flood area. FACT: You can buy federal flood insurance no matter where you live if your community participates in the NFIP.
The new NFIP rating methodology, referred to as Risk Rating 2.0, produces flood insurance pricing that is more equitable and easier to understand. So that each building’s flood insurance cost reflects its