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Free flood zone lookup

What flood zone is your home in?

If your lender sent you a letter about a flood zone — or you're just wondering what that letter on the FEMA map means — type your address. We read FEMA's published flood maps for your property and explain the result in plain English. Free, no email required.

We look your address up against FEMA's maps and show the result. Nothing is stored, emailed, or sold — that's the whole point of a free tool.

What you'll get

The same zone letter your lender and insurer use — A, AE, VE, X, D, and the rest — with a plain-English explanation of what it means, whether a lender can require insurance there, and the FEMA map panel and effective date when they're published for your address.

This is guidance, not an official flood determination. Lenders and insurers make their own calls, maps get redrawn, and the final word on any property is an Elevation Certificate or a FEMA Letter of Map Amendment.

Get a flood quote

Our flood intake runs inside the same quote form as everything else — one specialist, real options.

Start a flood quote →

Bundle it with home & auto

Pick flood plus your other lines in one intake. One form, one relationship, every policy.

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Honest answers to common questions

Is this an official flood determination?
No. It reads the same published FEMA maps a lender starts with, but only a formal flood determination — or a FEMA Letter of Map Amendment, if you're disputing one — is official. Think of this as the fastest way to understand the letter, not a legal document.
Do you save my address or email me?
No. The lookup runs against two public services (the Census geocoder and FEMA's map server) and nothing about your visit is stored. We don't even ask for your email here.
Does my home insurance cover floods?
No. Standard homeowners policies exclude flood damage — that's true across virtually every carrier. Flood coverage comes from the NFIP or private flood insurers. We'd rather you hear that from us than discover it after a storm.