![]() Zone V homes are in coastal regions and may be exposed to flash floods, hurricanes and other weather that can lead to exposure to water and weather-related hazards. Zone A is defined as being in a low-lying area and close to a body of water, like a lake. There are several different types of flood zones, with the most common being zones A and V. If you are considering buying a home in a flood zone, it’s important to understand what exactly that means. What to know when buying a house in a flood zone Instruct the inspector to look for signs of previous water damage and the adequacy of repairs. This can reveal any hidden red flags, including drainage issues or signs of existing or previous flood damage. ![]() (If it has, let the seller know that you know about the previous claim history - it can be a good negotiating technique.)Īnd once you’ve made an offer, it’s wise to have a thorough home inspection conducted. You can use the Flood Map Service Center tools to investigate an entire area, so you know where flood zones are before you even begin your search.īefore you make an offer, have your insurance agent search the claim history on the house so you know if it has suffered any previous damage, and how much. It’s a good idea to seek out this information early in the home buying process, well before you make an offer on a home. If the answer is yes, find out which zone it is and what that designation means. Simply visit FEMA’s Flood Map Service Center and search using the property’s address. It’s not difficult to find out if a property you’re interested in is located within a designated flood zone. How to find out if a house is in a flood zone These zones receive one-third of federal disaster assistance related to flooding, FEMA reports.
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