Is My Home in a Flood Zone?
A home’s risk of flooding—from hurricanes or a huge downpour—is probably not the first thing you’d think to check. Ideally, you want to size up this potential and take precautions if necessary well before you might end up underwater!
Most homes in high-risk flood zones are near a body of water. For instance, the Gulf Coast is one of the U.S. regions most vulnerable to hurricanes that cause flooding. Yet more than 20% of flood-related home insurance claims happen in non-flood zones, so no one should assume they’re safe.
And due to climate changes, flooding may also become more common. According to Popular Science, “Nearly 15 million American properties are at substantial risk of flooding in the next 30 years, and more than three million are almost certain to be underwater at some point in that time.”
So how can you find out if your home is in a flood zone—and if it is, how can you assess the size of this risk and what protections can you put in place? Whether you own a home or are looking to buy, here’s how to figure that out.