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Know Your Flood Hazard

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Floods and Flood Zones

Know your flood zone, potential risk of flooding and the hazards associated with it.

What are Flood Maps?

A flood insurance rate map (FIRM) is an official FEMA map delineating floodplains, Special Flood Hazard Areas (SFHAs), and flood risk premium zones within a community.

  • These maps are used by the National Flood Insurance Program (NFIP) for floodplain management, mitigation, and insurance purposes.
  • FIRMs help determine flood insurance requirements for properties, especially in high-risk areas.
Flood Zone Definition Flood Insurance Purchase Required?
Zone X Low-risk zone No
Shaded Zone X 0.2% annual chance flood
Moderate-risk zone 		No
Zone AE 1% annual chance flood
High-risk zone 		No
Zone VE 1% annual chance flood
High-risk zone with additional hazards due to storm induced velocity wave action 		No
Zone AO Areas of shallow flooding Yes

Is your property may be at risk for flooding?

View our Flood Zone Hazard Search and Map to see if your property may be at risk for flooding.

Flood Zone Hazard Search


How do I find Flood Insurance Rate Map Information?

For Flood Insurance Rate Map questions including FIRM dates, FIRM zones and base flood elevations:

We are also available to provide information and answer questions about:

  • Local drainage concerns
  • Flood depth data
  • Coastal erosion hazard information
  • Historical flooding
  • Areas with natural floodplain functions that should be protected

Flood Insurance Questions?

For more information about flood insurance contact your insurance agent or visit www.floodsmart.gov

Resources

FEMA Guide to Flood Resilience for Homeowners, Renters & Business Owners

www.fema.gov/flood-maps/products-tools/know-your-risk/homeowners-renters