Is your property in a Flood Zone? Do you know? How can you tell?

Are you aware of whether your property is located in a flood zone? If you don’t, you should. Just because your property doesn’t flood often or maybe it never has, that does not mean you shouldn’t consider flood insurance. This insurance may be necessary to save you from a potential flood that could occur based on where you are located. Just because your home is in the center of a flood zone, it does not necessarily mean your homeowner’s insurance plans automatically cover flooding, which is something you should find out.

 

Whether you own property, are a homeowner, or a renter, knowing if your house is in a flood zone is critical. Being aware of the risks of flooding so, in the case that it happens, you’re not caught off guard is extremely important. You’ll need to look at a flood map to see if your property is in a flood zone. This map is created by FEMA & includes all areas in the United States. It is also updated every few years to ensure the information is accurate. It is very simple to figure whether your property is in a flood zone by using these FEMA maps and they are available to look at for free on the internet.

 

Flood maps show all properties, whether or not they are in a flood zone. To locate a specific property on a FEMA flood map, you’ll need some basic information about its location. You may navigate directly to an area of the flood map by entering the full street address. You may also browse the whole map of the region and zoom in until you find the specific property you’re looking for.

 

All different flood zones are depicted on flood maps. This ranges from places that are expected to flood yearly to those that could flood once in a century or even less often than that. Some locations on Long Island that you would not consider to be in a flood zone are in fact in one. The predicted frequency of floods defines floodplains. An annual floodplain, for example, is predicted to flood once per year, but a 100-year floodplain is predicted to flood one time every 100 years or so. Even if you’ve never heard of flooding in the region, flooding may happen everywhere it rains. The flood risk displayed on a FEMA flood map is calculated using historical data, rainfall, terrain, and other factors, and is updated every few years to reflect new information.

 

The smaller the level of danger of flooding for the property, the less you’ll pay in flood insurance premiums. You must get flood insurance if your house is located in a flood plain that floods, even if it’s predicted only once a century. If you’ve altered your land, such as raising the ground beneath your house so it’s no longer in the floodplain, this could be a problem.  Hiring a land surveyor to provide elevation survey services on Long Island of your property is a great way to lower your flood insurance.

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