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Flood risk report by address

Enter an address for a comprehensive property flood report: its FEMA flood zone, how high the ground sits against the base flood elevation, the county's federal flood disasters, and what flood insurance has been quoted nearby.

Free. Built from FEMA and U.S. Geological Survey data and real insurance quotes. No risk score.

Property address

See what your property is quoted

A report describes the risk. A quote prices it for your building. Insurox compares quotes from 35+ insurance companies, NFIP and private, for your address.

What the report covers

  • Flood zone. The zone FEMA maps at the address, whether it is a Special Flood Hazard Area, and whether another zone is close by.
  • Elevation. The height of the ground from the U.S. Geological Survey, beside FEMA's base flood elevation where there is one.
  • County flood history. The major disasters FEMA has declared for the county for floods, hurricanes, tropical storms and coastal storms. It is the county's history, not a record of flooding at the address.
  • Insurance prices. What flood insurance was quoted for properties nearby, from the Flood Insurance Rate Index.

Common questions

What is in the flood risk report?
The FEMA flood zone at the address and whether it is a Special Flood Hazard Area, the height of the ground compared with FEMA's base flood elevation, the federal flood disasters declared for the county, the spot on the flood map, and what flood insurance was quoted nearby.
Is there a flood risk score?
No. The report does not invent a score. Each figure is one a public agency publishes, FEMA or the U.S. Geological Survey, or a statistic from real insurance quotes, and the source is named beside it.
What does it mean if the ground is above the base flood elevation?
The base flood elevation is the height FEMA expects floodwater to reach in a 1% annual chance flood. Ground above it means the land itself sits higher than that flood level, but what an insurer looks at is the height of the building's lowest floor, which an elevation certificate records. The certificate does not set the base flood elevation: that comes from FEMA's flood map.
Does a disaster declaration mean this property flooded?
No. A major disaster declaration covers a whole county. It shows that flooding or a storm there was severe enough for federal help, not what happened at one address. A property may never have flooded even in a county with many declarations.
Is this an official flood zone determination?
No. It reads FEMA's map at one point. A lender or insurer uses a determination made for the building itself, and a building near a zone boundary can be in a different zone from the point checked here.

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