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Flood Zones and Your Home

5/25/2021 (Permalink)

Flood sign placed in front of water. Are you wondering if your home is a high flood risk?

Are you wondering if your home is a high flood risk? One way to know this is to determine if your home is located in a flood zone. Here are a few things you may wish to know about these zones and how they affect your home. 

What Are Flood Zones 

Flood zones are areas that exhibit geographic qualities that make them more prone to flooding. This may include being at the bottom of a watershed, coastal areas, areas near rivers, and areas that experience frequent storms. FEMA sets these risk levels, and they should be marked on your local communities Flood Insurance Rate Map (FIRM), which you can look at by going to your local zoning office. 

Is Flood Insurance Necessary 

In the event your home is determined to be at risk by its position in a flood zone, you may be wondering what, if any, additional insurance will be required. The best way to determine this is to talk to your insurance agent about what is included in your existing plan, and if any supplemental plans are available for additional coverage. It is important to note than in many cases flood insurance is considered a separate policy. 

How to Deal with a Flood in the Home 

If a storm does cause flooding in your home, then it is best to contact a flood damage restoration service as quickly as possible. These professionals have the tools necessary to move large quantities of water and can also make any repairs your home may need. The restoration team can also check for any additional problems flood water may cause, such as potential mold growth. 

As explained earlier flood zones are areas that exhibit geographic qualities that make them more prone to a flood. It is important to note that in some cases having a home inside a flood zone can affect your flood insurance coverage. 

If your home does experience flooding, we are here to help! Our team has experience with flood damage, and we will work hard to make it “Like it never even happened.” 

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