FloodZone.fyi
Free FEMA flood zone lookup — check any US address instantly
Powered by FEMA NFHL official data · Updated continuously
What Is a FEMA Flood Zone?
FEMA assigns every property in the United States a flood zone designation based on its risk of flooding. High-risk zones (A, AE, VE) have a 1% or greater annual chance of flooding and typically require flood insurance for federally backed mortgages. Moderate-risk zones (Zone X shaded) have a 0.2% chance. Low-risk zones (Zone X unshaded) have minimal flood hazard. Learn more about flood zone types →
Does Homeowners Insurance Cover Floods?
No — standard homeowners insurance does not cover flood damage. Flood insurance must be purchased separately through FEMA's National Flood Insurance Program (NFIP) or a private insurer. About 25% of all flood claims come from properties outside high-risk zones. Read the full FAQ →