Florida Flood Zone Lookup

Zones A, AE, AH, AO, AR and A99 are Special Flood Hazard Areas: land FEMA's maps show flooding in the base flood, which has a 1% chance of happening in any year. V and VE are high-risk coastal areas with the added hazard of storm waves. Shaded X (or B) is moderate risk, between the 1% and 0.2% annual chance floodplains. Unshaded X (or C) is lower risk, though not without risk. D means flood risk hasn't been studied.

No. It places the address where the Census Bureau's geocoder puts it along the street, which can be some distance from the building, and a lot can sit in two zones. A lender orders an official determination for each loan on FEMA's Standard Flood Hazard Determination Form, and that's the one that decides whether flood insurance is required. Use this lookup to know what to ask, and FEMA's Map Service Center to see the map itself.

Federal law doesn't require it outside high-risk zones, though a lender can still require it. FEMA says 1 in 3 flood insurance claims come from low- and moderate-risk zones, and a homeowners policy doesn't cover rising water. Citizens policyholders with wind coverage may need it anyway: as of October 2026 Citizens requires flood insurance when dwelling coverage is $400,000 or more, extending to all such policies on January 1, 2027.