🌊 Built on FEMA flood-map data · Free

Is your address in a flood zone?

Check any US property against FEMA's National Flood Hazard Layer in seconds. Your flood zone, whether it's a high-risk area, and what it actually means. No signup.

Full street address works best. No address handy? Use my current location.

The flood zone is one line on the inspection

You are about to walk through a house you have not bought yet. The Homebuyer's Inspection Red-Flag Kit is the walk-through scorecard and which findings are cosmetic versus expensive, so you know which items are worth reopening the price over.

Get the Kit, $19

💧 Flood insurance is separate from homeowners cover

Standard homeowners policies do not cover flood damage, and even minimal-risk homes flood. Policies are sold through the NFIP and private carriers.

FEMA's FloodSmart →

What the flood zones mean

High-risk zones (Special Flood Hazard Area)

1% or greater annual chance of flooding (the "100-year floodplain"). Flood insurance is required with a federally backed mortgage.

A AE AH AO V VE (coastal)
Moderate & minimal risk (Zone X)

Shaded Zone X is the 0.2% annual-chance ("500-year") area, moderate risk. Unshaded Zone X is minimal risk. Insurance isn't federally required, but about 1 in 4 flood claims come from outside high-risk zones.

X (shaded) X (unshaded)
Undetermined or unmapped (Zone D / no data)

Zone D means the area hasn't been studied, risk is possible but unknown. Some rural counties aren't in FEMA's digital layer at all. This tool says plainly when a location is unmapped. It never implies unmapped means safe.

D Unmapped

Want to keep this flood-zone tool?

Put the FEMA lookup in your inbox so it is there when you need to check another address. One email. No list.

Common questions

How accurate is this?

Results come live from FEMA's official National Flood Hazard Layer, the same maps insurers and lenders reference. It's informational, not an official flood determination or Elevation Certificate. Always verify the exact structure location on the FEMA Flood Map Service Center before financial decisions.

Does a flood zone affect my mortgage?

Yes. If your home is in a high-risk Special Flood Hazard Area (A or V zones) and you have a federally backed mortgage, your lender requires flood insurance.

My area came back "unmapped", am I safe?

No, unmapped means FEMA has no data there, not that there's no risk. Contact your local floodplain administrator or a surveyor for an authoritative answer.

Building an app? Use the API 🔌

The same FEMA flood-zone lookup, as a clean JSON API for real-estate, insurance, and lending tools. Address or lat/lon in, flood zone + SFHA + FIRM panel + plain-English meaning out.

GET /flood-zone?address=1 Ocean Dr, Miami Beach FL

{
  "result": {
    "coverage": "mapped",
    "floodZone": "AE",
    "inSpecialFloodHazardArea": true,
    "riskLevel": "high",
    "firmPanel": { "panel": "12086C0317L", "effectiveDate": "2009-09-11" },
    "meaning": "High-risk (Special Flood Hazard Area)..."
  }
}
Read the API docs →