Flood Zone Determination

1/7/2021 (Permalink)

The Federal Emergency Management Agency maintains official flood zone maps, which designate areas with the greatest risk of flooding. To find the designation for your home in Iowa, go to FEMA’s Map Service Center and enter your address. FEMA’s flood maps display more than a dozen category codes, but they all fall into one of three main zones:

1. High-Risk Zone

This is any area with a FEMA map code beginning with the letters A or V. It’s also referred to as the “100-year floodplain.” Each year, this zone has a 1% chance of experiencing a catastrophic flood. If you’re in a high-risk flood zone, flood insurance is usually required. Unfortunately, flood insurance is most costly for homes in high-risk zones.

2. Moderate-to-Low-Risk Zone
   

This is an area with a FEMA map code beginning with B, C, or X. It is also referred to as the “500-year floodplain.” This zone has a 0.2% chance, each year, of a destructive flood event. Flood insurance is not mandatory in this zone, but it is still strongly encouraged. Flood insurance is considerably less expensive for this zone than for high-risk zones, especially when compared to the costs of storm damage cleanup after a devastating flood.

3. Undetermined-Risk Zone
   

These areas may have a FEMA map code beginning with the letter D, or they may have no FEMA flood code. This doesn’t mean your home won’t flood. Heavy rainfall frequently causes flash flooding in all parts of the country.
There are many reasons you might want to know your property’s official flood zone designation: You may be considering selling your house, or maybe you’ve been thinking of buying flood insurance. In any case, understanding your risk level is key to protecting your home from flood damage.

SERVPRO of Burlington is here to help if you ever experience a flood!