Flood zones are FEMA-designated risk areas that determine whether flood insurance is required and how much it costs. High-risk zones start with A or V; low-to-moderate risk with B, C, or X.
By the Home & Dime Editorial Team · Updated 2026
High-risk zones (A, V)
Have at least a 1% annual flood chance. Flood insurance is usually mandatory with a federally backed mortgage.
Moderate/low-risk zones (B, C, X)
Lower risk, insurance optional — but over 20% of flood claims come from these zones, so coverage is still worth considering.
Frequently asked questions
How do I find my flood zone?
Use FEMA’s Flood Map Service Center by address.
Is flood insurance required?
In high-risk zones with a federally backed loan, yes.
Related guides
Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.
Part of our Flood Insurance guide
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