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.

Flood Insurance Guides by State

Plain-English flood insurance guides for every state: NFIP vs private options, state rules, lender requirements, and how claims work. Last verified October 2026.

AlabamaAlabama Flood Insurance Guide
AlaskaAlaska Flood Insurance Guide
ArizonaArizona Flood Insurance Guide
ArkansasArkansas Flood Insurance Guide
CaliforniaCalifornia Flood Insurance Guide
ColoradoColorado Flood Insurance Guide
ConnecticutConnecticut Flood Insurance Guide
DelawareDelaware Flood Insurance Guide
District Of ColumbiaFlood Insurance in Washington, DC: NFIP, Private Options, and DISB Resources
FloridaFlorida Flood Insurance Guide
GeorgiaGeorgia Flood Insurance Guide
HawaiiHawaii Flood Insurance Guide
IdahoFlood Insurance in Idaho: NFIP, Private Options, and State Facts
IllinoisIllinois Flood Insurance Guide
IndianaIndiana Flood Insurance Guide
IowaFlood Insurance in Iowa: NFIP, Private Options, and State Rules
KansasFlood Insurance in Kansas: NFIP, Private Options, and State Rules
KentuckyFlood Insurance in Kentucky: NFIP, Private Options, and State Rules
LouisianaFlood Insurance in Louisiana: NFIP, Private Options, and State Rules
MaineFlood Insurance in Maine: NFIP, Private Options, and State Rules
MarylandFlood Insurance in Maryland: NFIP, Private Options, and State Rules
MassachusettsFlood Insurance in Massachusetts: NFIP, Private Options, and State Rules
MichiganFlood Insurance in Michigan: NFIP, Private Options, and State Rules
MinnesotaFlood Insurance in Minnesota: NFIP, Private Options, and State Rules
MississippiFlood Insurance in Mississippi: NFIP, Private Options, and State Rules
MissouriFlood Insurance in Missouri: NFIP, Private Options, and State Rules
MontanaFlood Insurance in Montana: NFIP, Private Options, and State Rules
NebraskaFlood insurance in Nebraska: a plain-English guide
NevadaFlood insurance in Nevada: a plain-English guide
New HampshireFlood insurance in New Hampshire: a plain-English guide
New JerseyFlood insurance in New Jersey: a plain-English guide
New MexicoFlood insurance in New Mexico: a plain-English guide
New YorkFlood insurance in New York: a plain-English guide
North CarolinaFlood insurance in North Carolina: a plain-English guide
North DakotaFlood insurance in North Dakota: a plain-English guide
OhioFlood insurance in Ohio: a plain-English guide
OklahomaFlood insurance in Oklahoma: a plain-English guide
OregonFlood insurance in Oregon: a plain-English guide
PennsylvaniaFlood insurance in Pennsylvania: a plain-English guide
Puerto RicoFlood Insurance in Puerto Rico: NFIP, Private Options, and Island Facts
Rhode IslandFlood insurance in Rhode Island: a plain-English guide
South CarolinaFlood Insurance in South Carolina: NFIP, Private Options, and the Rules That Matter
South DakotaFlood Insurance in South Dakota: NFIP, Private Options, and What to Know
TennesseeFlood Insurance in Tennessee: NFIP, Private Options, and State Facts
TexasFlood Insurance in Texas: NFIP, Private Options, and State Facts
UtahFlood Insurance in Utah: NFIP, Private Options, and Wildfire Aftermath Risk
VermontFlood Insurance in Vermont: NFIP, Private Options, and State Programs
VirginiaFlood Insurance in Virginia: NFIP, Private Options, and the Community Flood Preparedness Fund
WashingtonFlood Insurance in Washington: NFIP, Private Options, and State Facts
West VirginiaFlood Insurance in West Virginia: NFIP, Private Options, and State Facts
WisconsinFlood Insurance in Wisconsin: NFIP, Private Options, and What to Know
WyomingFlood Insurance in Wyoming: NFIP, Private Options, and Community Participation

Check your flood zone · Get a flood quote