What Is a Flood Zone and Does It Affect My Insurance?

If you have a mortgage on a home in a high-risk flood zone, your lender will likely require flood insurance. This policy is separate from standard homeowners insurance, which usually does not cover flood damage. Even in lower-risk zones, lenders may still ask for coverage depending on the loan type.

Your flood insurance cost depends on the zone, your home's elevation, and the coverage amount you choose. Policies vary, and your insurer decides what is covered. Check your policy to see what is included, and ask your insurance agent about flood coverage options.

• Flood zone maps are updated over time, so your zone can change.
• Standard homeowners policies often exclude flood damage.
• Flood insurance is available through the National Flood Insurance Program or private insurers.
• Your deductible and premiums vary by zone and coverage.
• Even low-risk zones can flood, especially after heavy storms.

If water enters your home, act quickly to reduce damage. Turn off electricity if it is safe, and avoid standing water. Move valuable items to a dry spot if you can, and document the damage with photos for your insurance claim. Do not enter a room with wet ceilings or sagging drywall.

Once the area is safe, call local water damage pros to help with cleanup and drying. They can handle soaked carpets, drywall, and flooring. Floodwater may contain contaminants, so wear gloves and boots, and see a doctor if you feel unwell.

• Turn off power and gas if safe to do so.
• Take photos and list damaged items.
• Remove standing water carefully with a pump or wet vacuum.
• Discard items that cannot be cleaned or dried.
• Ventilate the area to speed drying.
• Keep children and pets away from floodwater.