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Is Your Home Located In A Flood Zone & What Does That Mean For You?

Determining if your LBI home is in a flood zone is vital for understanding flood damage risks and ensuring adequate insurance coverage. The following are steps to find out if your home is in a flood zone and what that implies:

Flood Damage Risks LBIUse the FEMA Flood Map Service Center

  • Visit the FEMA Flood Map Service Center online
  • Enter your address to view the flood map for your area
  • The map will show various flood zones designated by a specific code (Zone A, Zone AE, Zone X).

Consult Local Government Resources

  • Many local governments have floodplain management departments or offices providing flood risk information.
  • Check your city or county’s website for flood maps or other relevant information about your home’s location.

Contact Your Insurance Agent

  • Insurance agents have access to flood maps and can help determine whether or not your home is in a flood zone and what the zone status is
  • Your insurance agent can also provide information on flood insurance requirements and options to help make sure you have adequate coverage if your home suffers from flood damage.

Check Your Mortgage Lender Requirements

  • Mortgage lenders often require flood zone determinations for properties before funding is approved.
  • Lenders may have already assessed whether your home is in a flood zone, especially if your home loan is federally-backed

Now that you have determined if your home is in a flood zone, what does that imply regarding flood risks? 

  • Risk of Flood Damage: Homes in high-risk zones like Zone A and Zone AE are at a significant risk of flooding, which can impact safety, property value, and insurance costs.
  • Flood Insurance: Flood insurance is often required for properties in high-risk zones, especially if your mortgage is from a federally regulated or insured lender. Even if not mandated, flood insurance is highly recommended for all homes in high-risk zones.
  • Building & Renovation Restrictions: Certain flood zones have specific building codes and regulations to help mitigate flood damage, which can affect building new homes or renovating existing properties. 
  • Disaster Preparedness: Living in a flood zone means you need to be prepared for possible flood damage risks, including having an evacuation plan and knowing who to call for flood damage repair.

With an understanding of flood zones and what that means for your property, it is essential to know what to do if you are in a flood zone to limit flood damage risks. We suggest the following:

Purchase Flood Insurance

Standard homeowner’s insurance does not cover flood damage, so you must obtain flood insurance through private insurers or the National Flood Insurance Program

Stay Informed

Keep up with local weather and flood warnings, and familiarize yourself with evacuation routes for your area.

Know Who To Call When You Need Flood Damage Cleanup

Having the right restoration team on your side will reduce flood damage risks to your home and belongings. When you suffer from flood damage and need cleanup and restoration services, call the professionals at Stretch Cleaning. Our team is ready to help 24/7/365.