How To Know If Your Property Is In A Flood Zone

Living in a flood zone is the last problem you would like to deal with as a homeowner. Living in a flood zone is a disaster. Of course, it doesn't just damage your house. The constant repair will also affect your finances. 

That's why it's important to verify if the house you want is in a flood zone or not. Most buyers searching for a home during the summer season forget to check this. As a result, when the rainy season starts, they are shocked that the house gets easily flooded. 
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If you want to rent your apartment or purchase a house, here's how to know if the area is in a flood zone. 

Check the FEMA flood map.
First, you need to check the Federal Emergency Management Agency or FEMA map. It is a tool showing addresses in flood zones. FEMA Flood Map Service Center shows flood zones, floodways and addresses flood risk.

Besides, it shows a piece of topographical and infrastructural information. You'll see about base flood lines, levees, and coastal barriers. 

What's good about the FEMA map is that it's easier to read and understand than it seems. 

Understand the flood zones
Once verified whether the property is in a flood zone or not, it's time to review what the flood zone is all about. It is labeled alphabetically to determine flood risk. Insurance companies are using the flood zone to set policy rates and terms. 

• Zone A: The most common flood zone. If your house is in a flood Zone A, it means you live in a special flood hazard. That is not coastal. Of course, Zone A type will impact your flood insurance premium.
• Zone B: An intermediate flood hazard risk area.
• Zone C: A minimal flood hazard risk for homes. 
• Zone D: A possible flooding risk may occur, but there is an undetermined hazard level.
• Zone V: A special flood hazard zone with an increased flood risk near the coast. 
• Zone X: Other flood insurance rates: Zones B and C are as Zone X.

It's best to stay in areas not covered by the flood zone. It will give you peace of mind and security that your home insurance premium will not go higher than it should. 

At American Eagle Insurance, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (225) 667-7377 . Get your free quote today by CLICKING HERE.