You are ultimately responsible for determining whether you’re located in a flood zone. FEMA updates their flood zones on a regular basis and it is possible that your status may change as terrain and weather patterns are assessed and reassessed. If your property has a mortgage backed by the federal government, you are required to have flood insurance, which will be mandated by your mortgage company. If your property does not have a mortgage and is an A rated flood zone, we strongly recommend that you purchase flood insurance. The current property policy has a $600,000 deductible with a limited $500,000 policy limit for locations in flood zone A.

To determine whether you’re in a flood zone, go to www.floodsmart.gov, enter your address in the red box titled “One-Step Flood Risk Profile” along the lefthand side of the screen, and your flood risk will be generated. Please contact us if you wish to purchase flood insurance through the National Flood Insurance Program after determining your flood zone risk.