Information for real estate professionals, insurance agents, and lenders regarding how to find a property on a floodplain map, lender floodplain determinations, and flood insurance requirements.
How to find out if a structure or property is shown to be in the floodplain:
- Find Your Flood Zone and Create a Printable Version of a Map
- How to View Preliminary Maps and Additional Products
- Comparing Preliminary and Effective Flood Maps
- How to View Pending Maps and Additional Products
Floodplain Maps and Studies
What to know about lender floodplain determinations and flood insurance requirements:
Anyone who applies for a federally-funded mortgage/loan or refinancing on an existing home in flood-prone areas will be required to carry flood insurance for the life of the mortgage/loan. Generally, the only documentation that lenders will accept to change their floodplain determination is a FEMA Letter of Map Amendment. For more information, see the links below.
- FEMA LOMA application process to remove a structure or property from the floodplain
- Fact Sheet #4 – Letter of Map Amendment (LOMA)
What to know about flood insurance:
Everyone lives in a flood zone. You can protect your home, business, and belongings with flood insurance from the NFIP. Flood insurance is necessary because homeowners insurance does not cover flood losses.
- Overview of flood insurance and recent flood insurance rate changes
- To learn more also go to FEMA FloodSmart