How Does a FEMA Flood Map Affect Your Homeowners Insurance?

A FEMA flood map, also called a Flood Insurance Rate Map, divides areas into zones based on flood risk. High-risk zones, often labeled with letters like A or V, have a greater chance of flooding. Moderate and low-risk zones are marked differently and may not require flood insurance.

These maps are updated periodically as flood patterns and land use change. You can look up your property's zone on the FEMA website or through your local planning office. The map is a reference point, not a prediction of exactly when or if a flood will happen.

FEMA can redraw flood maps, which may move your property into a higher or lower risk zone. If your home is newly placed in a high-risk area, your lender may notify you that flood insurance is now required. This can happen without any flood actually occurring on your property.

If your zone changes to a lower risk, you might see a reduction in your flood insurance premium if you have a policy. You may also be able to drop coverage if it is not required, but consider the potential cost of flood damage before doing so. Check with your lender and insurer to understand your options.

If floodwater enters your home, prioritize safety first. Turn off the electricity if it is safe to do so, and avoid walking through standing water. See a doctor if you feel unwell, and wear protective gear like gloves and boots during cleanup.

Document the damage with photos and a list of affected items. Contact your flood insurer to start a claim, and keep records of any temporary repairs you make. For extensive water damage, local water damage pros can help with cleanup and drying to prevent mold.

• Turn off power and gas before entering flooded areas
• Take photos of all damage before cleaning
• Remove wet carpets and furniture to speed drying
• Use fans and dehumidifiers to dry out spaces
• Watch for signs of mold in the days after a flood