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What Are Flood Zones?


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Did you know that an estimated 13 million Americans live in a recognized flood zone?

If you live in a flood zone what should you expect? If you are considering moving to a great location, but that is in a recognized flood zone, what should you consider?

Why not read on to find out what it means to live in flood zones in our in-depth article.

High-Risk Flood Zones

Flood zones are locations that are statistically likely to have a flood each year. According to FEMA, the government research for disaster recovery data, a location with a 1% chance of flooding each year has the title of a high-risk flood zone.

If you realize that you are living in a flood zone, you have the opportunity to plan ahead to protect yourself and your family. Ensuring that you have adequate flood insurance is a key part of this.

Why not get the lowdown on flood insurance and how it can help you? Of course, high-risk flood zones are not the only flood zones. There are an additional 2 levels that can help you classify the risk that your house is in.

Moderate Flood Hazard Areas

Moderate flood hazard areas have less than a 2% risk of flooding each year. However, because of local circumstances, perhaps a large river or lake or low-lying land, flooding is possible. In some cases, these flood zones are known as 500-year flood areas.

Because of the existence of the risk of flooding, and that it only takes one flood to devastate a house, it is still recommended that residents take out flood insurance coverage.

Generally, the lower the risk of the flood zone, the less conscientious people are about getting the needed protection for their homes. However, levels of flood zones exist to show us that the risk of flooding still exists in these locations.

Minimal Flood Hazard

Experts designate a minimal flood hazard area as having less than 0.2% risk of flooding each year. Often you can look at a flood zone map and tell why this is the case.

Rivers and lakes that would previously have overflowed each year may not have reduced in size. Or other factors that cause flooding may have diminished.

If you are living in a flood zone that is classed as a minimal hazard, you should still take out insurance.

The effects of climate change in different areas are causing weather patterns to become unpredictable. Further, if your area is classed as minimal hazard you will likely receive a significantly lower premium.

What are Flood Zones? What Do You Need to Do? And Much More

Living near water can mean great scenery, wildlife, fishing, and swimming opportunities. But living in flood zones also brings responsibility. You need to protect your home and livelihood from the danger of flooding.

If you are interested in learning more about these subjects, why not take a minute and check out other blog articles?




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