Ways to Identify a Flood-Prone Area
The Federal Emergency Management Agency, or FEMA, has an online tool that makes it easy to see if your address is in a flood zone. The Flood Map Service Center shows information like flood zones, floodways, and your own home’s risk level. There’s also topographical and infrastructural information about features like levees, coastal barriers, and the base flood line. The map can seem confusing at first until your familiar with it. FEMA maps do undergo periodic updates. You’ll more than likely need to visit the flood center multiple times to receive the most correct data.
With new construction and changes in topography, floodplains and flood zone designations can change over time. Make a plan to check for changes in your property’s flood zone designation every five years or so. Keeping track on your flood zone designation not only makes you better prepared for a possible flood, but it also ensures that you always have the right type and amount of flood insurance.
A flood zone heightening survey is a valuable tool for determining whether your property is a flood risk. A professional administered survey creates a certificate for flood elevation, which will help a homeowner determine whether flood insurance is a necessity. It would be in your best interest to at least consider buying flood insurance. Most insurance companies do not provide flood insurance except in mid-risk regions. Even then, it is best to be covered by flood insurance instead of not, incase of any damage that flooding can cause.
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