Is your home in a flood zone? Type your address below to see the FEMA flood zone for that spot, what the zone means in plain English, and whether lenders typically require flood insurance there. It works for any U.S. address FEMA has mapped, from the Seacoast of New Hampshire and coastal Connecticut to Cape Cod, the Maine coast and Florida. The lookup uses FEMA’s official National Flood Hazard Layer.
This tool gives a rough estimate for education only. It is not a quote, a coverage offer, or a flood determination. Coverage, eligibility and pricing are set by the insurance company after a full review. A licensed PAI advisor will go over your actual needs.
Request a flood quote
Fill in your contact details and a licensed PAI advisor will follow up. If you ran the flood zone check above, your results fill in automatically.
What your flood zone means
- Zones VE and V: coastal high-hazard areas, with risk from storm-driven waves.
- Zones AE, A, AO and AH: high-risk areas, with at least a 1% chance of flooding each year.
- Shaded zone X: moderate risk, between the 1% and 0.2% annual-chance floodplains.
- Zone X: minimal hazard on FEMA’s maps, but floods still happen here.
- Zone D: possible risk that FEMA hasn’t studied.
NFIP and private flood insurance
Standard homeowners policies usually don’t cover flood. Portsmouth Atlantic Insurance places new National Flood Insurance Program (NFIP) policies through Selective, and we can also compare private flood carriers such as Neptune Flood, Flow Flood, Beyond Floods, Aon Edge, CatCoverage and TFIA (Private Market Flood). Per FEMA, a new NFIP policy usually has a 30-day waiting period before it takes effect, so it pays to plan ahead. Setting your dwelling limit too? Our home replacement cost estimator gives a rough rebuild figure to start from.
We’re a family-owned independent agency, founded in 2005, with access to 40+ carriers, an A+ BBB rating, and 1,000+ Google reviews and over 2,000 testimonials. We don’t charge any fees. We’re based in Portsmouth, NH, we also have a Connecticut office, and we’re licensed in 10 states with a New England focus: Maine, New Hampshire, Vermont, Massachusetts, Rhode Island, Connecticut, New York, Florida, Ohio and Illinois. Call (603) 431-4020 to talk to an advisor.
Flood zone FAQ
How do I find out if I’m in a flood zone?
Enter any U.S. address in the tool above. It finds your location and checks it against FEMA’s National Flood Hazard Layer. You can confirm the result on the FEMA Map Service Center, where you can view your official flood map panel.
Do I need flood insurance if I have a mortgage?
If the building is in a Special Flood Hazard Area (zones starting with A or V) and your loan comes from a federally regulated or insured lender, FEMA says flood insurance is required. Lenders can also ask for it in other zones.
My home is in zone X. Can it still flood?
Yes. Zone X means lower risk on FEMA’s maps, not no risk. Heavy rain, storm surge and drainage problems can flood homes outside high-risk zones, whether on the Seacoast or inland, and many flood claims come from these areas.
Is this result an official flood zone determination?
No. It’s based on FEMA’s effective maps and an automated address match, which can place a point slightly off your building. Lenders use an official flood zone determination, and an elevation certificate may also matter for pricing.
Can PAI help with flood insurance in my state?
The flood zone check works anywhere in the U.S. We’re licensed in Maine, New Hampshire, Vermont, Massachusetts, Rhode Island, Connecticut, New York, Florida, Ohio and Illinois. If your property is in one of those states, request a quote or call (603) 431-4020.
How long does it take for flood insurance to start?
Per FEMA, a new NFIP policy usually has a 30-day waiting period, with some exceptions such as a policy tied to a new loan. Private flood waiting periods vary by carrier. Ask an advisor about your situation.
Want a flood quote for your address? Request a quote and we’ll compare NFIP and private flood options for you, or call (603) 431-4020.