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How do I know if this home is in a flood zone?

  • January 30 2011 - Sea Bright
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Answers (13)

Local tax records should have this information.  This is what the bank goes with when they decide if the town records show the home being in a flood zone.
  • February 01 2011
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Profile picture for Connie Klemme
You can also just contact a local title company and ask them for help in finding out.   It's something they do everyday.  They can give you info on good resources to use to check in your area.
  • January 30 2011
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Once you get the lot and block number of the property you can check with the local planning department and zoning office.  Sometimes it is also good to get a surveyor to get a more accurate answer. 

Best Wishes!
  • January 30 2011
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Here is another link (Maps) that was developed by the Highlands Council that I regularly refer to, you can search by address and includes various other features beyond just flood zones.  Hope it helps.

Best,
Jeremy
[Contact info removed by moderator]
  • January 30 2011
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Profile picture for Josh Price
The FloodMap Mobile app for Android and Apple devices will let you do this from your phone. Useful if you are a homebuyer or an agent.  It uses the FEMA flood zone data and your Zestimate (or a user-entered value).  Then it estimates the FEMA flood insurance cost and gives a list of the local agents for detailed information about a specific property.  Support and info is at [Content removed by moderator].
  • January 30 2011
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  • January 30 2011
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First obtain Lot and Block number of the property. The local Planning and Zoning office would be able to help you with it. 

If you are in a buying process of the property, the survey results will indicate any flood zone, plus the mortgage company will do it's own research before issuing mortgage on the property.

Hope this helps.

Good luck!
  • January 30 2011
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Check the Zoning Department of the county
  • January 30 2011
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One place to start is to google FEMA flood maps.  You should be able to search by address.  Your local insurance provider will have access to current flood maps and will be able to assist in researching.  If it is determined the property is in a flood zone, you can see if your insurance provider and lender will allow you to obtain a quote for the flood insurance based on a previous elevation certificate that was obtained by the current owner (assuming you can get a copy with the help of your agent).  Your insurance provider or a surveyor can assist with suggestions to possibly reduce the current cost of a flood policy if there are things that can be done to reduce the risk (ie more crawl space opening, relocation or raising of mechanical items, etc).
Good luck!

  • January 30 2011
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Profile picture for sunnyview
FEMA flood maps are all online and searchable by address here. Just fill in the address information on the top left of that linked page and the flood map for the area will pop up.

Flood maps are not perfect. It is always helpful to talk to long time residents, look at newspapers and see if there have been smaller water events that happened, but did not affect a large enough area to have the map redrawn. Hope it helps.
  • January 30 2011
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The only way to know with certainty is through a professional surveyor.  The cost for that is anywhere from $500 and up.

Hope this helps.
  • January 30 2011
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Check with the municipal planning and zoning department.
  • January 30 2011
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The best way is to call the department of environmental management
and ask them,which in turn you may have to go to their office to look at the flood maps
  • January 30 2011
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