What Is My Flood Risk?

What is My Flood Risk?

High-Risk Areas (Special Flood Hazard Area or SFHA) are high-risk areas, where there is a 1 in 4 chance of flooding during a 30-year mortgage. All business and home owners who have federally regulated or insured lenders are required to buy flood insurance. Shown on flood maps as zones A or V. Moderate-To-Risk Areas (Non-Special Flood Hazard Area or NSFHA) are areas where being flooded is greatly reduced but not completely removed. Flood insurance is not required for moderate-to-low areas, but they account for 20% of NFIP claims and receive one-third of disaster assistance for floods. It is recommended for property owners and renters to get flood insurance. Undetermined-Risk Areas are areas where no flood-hazard analysis has been conducted, but there is possible risk of flooding. These areas are labeled with a letter D on flood maps.  For more information about FEMA and flooding visit our Questions and Answers section.

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