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Flood Zone | Capprice Kitchen with Pineywoods Realty Blog

Monday, May 3, 2021   /   by Capprice Kitchen

Buying in a Flood Zone

It can be disturbing to realize that the beautiful home you’ve fallen in love with is in a flood zone. While it’s not necessarily a deal-breaker, there are some serious considerations to understand before moving forward.

Flood zones are defined by the Federal Emergency Management Agency (FEMA) and are categorized according to the level of risk. A high-risk area is defined as having a 1+% chance of annual flooding, whereas a low-to-moderate location has a 0.2% or less chance of annual flooding.

FEMA maintains a flood map center where you can research the classification of the location and the level of concern. Zones labeled A and V are the highest risk zones. These are areas that are either coastal or riverside communities. These Special Flood Hazard Areas will have to carry flood insurance and have a 25% chance of serious flooding in a 30-year timeframe. Zones labeled B, C, and X are lower risk.

Flood insurance is available to homeowners in any location. It ...

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Capprice Kitchen with Pineywoods Realty
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IDX information is provided exclusively for consumers’ personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data is deemed reliable but is not guaranteed accurate by the MLS.
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