Determining Your Flood Zone Designation

08 Apr Determining Your Flood Zone Designation

Posted at 07:12h in Flood Insurance Blog, Flood Zone Issues by
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Determining Your Flood Zone Designation – Why it is important

There are areas of the United States that are particularly vulnerable to natural disasters. Places like the Sacramento Valley or New Orleans are particularly under threats from flood. These areas are largely protected by levee systems and as was witnessed by the  effects from hurricane Katrina, those levees can fail. It can be important to know if your home is at risk of being flooded should a major disaster occur. You can protect your home and livelihood by understanding the flood zone you live within and purchasing a private or government sponsored flood insurance policy.

Determining Your Flood Zone Designation – Why you need to know

If your home lies within a flood plane or next to a body of water it may be a lender requirement that you obtain flood insurance. For these homeowners they are well aware of the flood maps and zone designations, but if you are not required to have flood insurance it may  be an issue that never crosses one’s mind. Even if you have lived in an area for many years does not mean that a flood will not occur. A  simple phone call or inquiry with a local insurance agent or broker can give you a better idea of the risk your home may be in.

Determining Your Flood Zone Designation – How to find out

There are a couple of ways to determine your flood zone. Most homeowner’s will find out when they inquire about purchasing flood insurance. Carriers that write flood insurance will have access to the federal flood maps that indicate what zone a particular area is in. You can  also access what are called Community Flood Insurance Rate Maps (FIRM) which are also done by FEMA which can illustrate your area in  better detail and are available on government websites. You can isolate a particular area on these sites and obtain a better understanding
as to the flood risks which may be present.

Determining Your Flood Zone Designation – Act now

Trying to get life back on track after a natural disaster is never an easy experience. Don’t make it harder than necessary by putting your  home and property at risk without having it covered by a flood insurance policy. With new markets becoming available, the piece of mind that comes with insurance can be more affordable than you may think. Contact us today for a flood insurance quote and know you are doing what is right for the things that mean most in life.

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All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.

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