What Flood Zone

A clearer view of
your flood zone.

Find your FEMA flood zone. Understand the map
before your next move.

U.S. addresses only. Include a ZIP for a more precise match.

Illustration, not a flood map

Official map data. Independent explanation.

The code on the map.
The meaning for your home.

FEMA zone codes describe a mapped hazard. Start with the category, then read the details.

Explore all zones

A / AE

Higher mapped risk

A 1% annual-chance floodplain. Insurance is generally required for qualifying loans.

Read the zone guide

V / VE

Coastal wave risk

A 1% annual-chance floodplain with additional hazards from storm-driven waves.

Read the zone guide

X

Lower mapped risk

Outside the mapped 0.2% annual-chance floodplain when unshaded. Risk remains.

Read the zone guide

Lower mapped risk does not mean no flood risk.

Flood history, close to home.

Explore local NFIP policy and loss records alongside the map.

FloridaNFIP policies and recorded lossesTexasNFIP policies and recorded lossesLouisianaNFIP policies and recorded lossesNew JerseyNFIP policies and recorded lossesNew YorkNFIP policies and recorded lossesNorth CarolinaNFIP policies and recorded lossesSouth CarolinaNFIP policies and recorded lossesCaliforniaNFIP policies and recorded lossesVirginiaNFIP policies and recorded lossesPennsylvaniaNFIP policies and recorded losses

One address. Three useful next steps.

  1. Locate the address

    Review the Census address match before checking the map.

  2. Read the zone

    See the zone, map panel and effective date FEMA provides.

  3. Verify the decision

    Get the official FIRMette. Ask your lender about a determination.

Is this an official flood determination?

No. The result describes a geocoded point. Lenders rely on a Standard Flood Hazard Determination Form. A marker does not establish a building’s exact location or account for every map change.

Where does the information come from?

Addresses come from the Census Geocoder; mapped zones from FEMA’s National Flood Hazard Layer; insurance statistics from FEMA’s NFIP reports. Read the sources.

Can a home outside a high-risk zone still flood?

Yes. A FEMA map is a regulatory map of studied hazards. It does not represent every possible flood, and a lower-risk designation does not eliminate the need to consider coverage.