How Are Flood Zones Determined?

In short, a flood zone classifies how likely the Federal Emergency Management Agency (FEMA) believes that an area will flood. Generally speaking, if you are purchasing a home in a flood zone your mortgage lender is likely to require you to purchase additional flood insurance beyond what, if any, coverage your homeowner’s insurance offers with our team. 

FEMA uses 15 categories to determine whether or not a property is in a flood zone. Any property in an A or V Zone is considered to be in a Special Flood Hazard Area which means that it is at the greatest risk of flooding. Generally, these are beachfront properties or those where floods have caused significant damage in the past. Any property within the V Zone is required to have flood insurance. Properties within Zones C to X represent those with minimal risk or flooding and it is dependent on the lender whether or not flood insurance is required. Areas that have not been evaluated by FEMA but where flooding is deemed possible fall within Zone D. 

Damage caused by flooding is generally not covered by insurance because it is considered to be a gradual incident and not one that is sudden or accidental. If water has hit the ground first before entering your home then it will likely be considered flood damage and not covered by insurance. Purchasing flood insurance, even if not required by the lender, offers substantial peace of mind and financial security from damage caused by water and waves.

At Outdoor Insurance Services in The Woodlands, TX, our friendly and competent team can help assist if your home is in a flood zone or if you want information on the benefits of flood insurance. Give us a call today for a no-obligation consultation.