How it works
You type in a property address. A few seconds later you get a PDF that tells you the property's FEMA flood zone, whether flood insurance is legally required there, how high floodwater is expected to reach, and what recent flood disasters have hit the county. Here is exactly what happens in between.
Flood risk changes street by street, sometimes house by house, so your ZIP code is far too rough to answer the question. We pinpoint your specific address, so the answer is for your property, not your neighborhood.
If we cannot find your address, we catch it before you pay, so you are never charged for a report we cannot build.
We look up that exact spot on the FEMA National Flood Hazard Layer, the official flood map lenders and insurers rely on, and read off your flood zone, whether it is a high-risk area where flood insurance is required, and how high floodwater is expected to reach.
The zone tells you the mapped risk. Recent history tells you how often it has actually flooded nearby. We pull federal disaster declarations for your county from OpenFEMA so you can see recent flood, hurricane, and storm events in context.
We put it all together into a report you can actually use. It states your zone in plain language, explains whether that means insurance is required, shows the base flood elevation, lists the county disaster history, and gives concrete next steps: shopping NFIP versus private coverage, getting an Elevation Certificate, and what to ask a seller. It costs $15 and arrives in seconds, with no account to create.
This is an independent report built on FEMA's own published flood data. It is point-based: we look up the specific coordinate your address resolves to, which is far more precise than a ZIP lookup but is still a single point, not a full parcel survey. A large lot can touch more than one zone.
It is not an official flood determination. Lenders order a specific product called a Standard Flood Hazard Determination Form for their files, and flood maps get revised over time. Treat this report as a fast, honest read of the current FEMA map for your address, and confirm anything that affects money with the FEMA Map Service Center and your insurer or lender before you act.
