Flood Risk Mapping Tool – Check Your Property's Flood Zone & Risk Level
Enter your address or postcode to discover your flood risk level, view nearby flood zones, and plan the right insurance coverage.
Interactive Flood Map
Enter address to view flood risk map
Understanding Your Flood Risk & Insurance Needs
Flood zones are geographic areas defined by FEMA (in the US) or environmental agencies that indicate the flood risk level for properties. These zones help determine insurance requirements and premium costs.
Property elevation above sea level is a crucial factor in flood risk assessment. Higher elevations generally have lower flood risk, which can significantly impact insurance premiums.
How accurate is this flood risk map?
Our tool provides estimates based on publicly available flood zone data and historical patterns. For official purposes, consult your local floodplain management office or FEMA maps.
Do I need flood insurance if I'm not near water?
Yes. Over 20% of flood claims come from properties outside high-risk zones. Flash floods, heavy rainfall, and drainage issues can cause flooding anywhere.
How often should flood maps be updated?
Official flood maps are typically updated every 5-10 years, but climate change and development can affect local flood risk more frequently. Check annually for updates.
Can my elevation lower my insurance premium?
Yes. Higher elevation properties typically receive lower premiums. Elevation certificates can help you qualify for discounts and ensure accurate rating.
Related Insurance Tools
Comprehensive tools for your insurance planning needs