SERVICES
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Flood History
Flood History search. Potential buyers can make informed choices when considering properties, especially in flood-prone areas.
Flood Zone Review
Are you in a Flood Zone? See your home on the latest available FEMA Flood Map. It’s quick and easy to order your own detailed Flood Zone Report.
Letter of Map Amendment
Dispute a flood zone. Confirm the house is above the high-risk area. Get the flood zone designation changed to a lower risk zone.
FEMA Flood Insurance Rate Map (FIRM)
The FEMA Flood Insurance Rate Map (FIRM) is an essential tool that delineates flood hazard areas in your community.
It helps homeowners understand their flood risk and determine whether flood insurance is necessary. The map categorizes properties into different flood zones, each indicating a varying level of flood risk.
Address to Research:
Understanding Flood Zones:
- Zone A
- Description: This area is subject to inundation by the 1-percent annual chance flood (commonly referred to as the “100-year flood”). Flooding in Zone A is usually determined using approximate methodologies.
- Implications: Properties in Zone A are typically required to have flood insurance, as they face a significant risk of flooding.
- Zone X
- Description: Zone X is classified as an area of minimal or moderate flood risk. This zone is typically outside the 1-percent annual chance floodplain.
- Implications: While flood insurance is not mandatory for properties in Zone X, homeowners are still encouraged to consider coverage, as flooding can occur even in low-risk areas.
Other Common Zones:
- Zone V: Areas at risk of coastal flooding with additional hazards, like wave action.
- Zone AE: Similar to Zone A, but with base flood elevations provided.
Why This Matters: Understanding your property’s flood zone is crucial for assessing flood risk and making informed decisions about flood insurance and preparedness. The FIRM is a vital resource for homeowners, ensuring they are aware of their flood risk and can take appropriate action.
