Florida Flood Zones: What Every Buyer and Seller Needs to Know
Posted by Andrew Salamone on
Every Property Is in a Flood Zone
One of the most common misconceptions in Florida real estate is the idea that a property is either "in a flood zone" or it isn't. The reality is that every property in Florida sits within a FEMA-designated flood zone — the distinction is whether that zone carries low, moderate, or high risk. Flooding remains the number-one natural disaster in the United States, and it can affect properties that aren't anywhere near the water.
Here's the other thing that catches people off guard: standard homeowner's insurance does not cover flood damage. Flood coverage is a separate policy, and in high-risk zones, federal law requires it if you carry a federally backed mortgage.
How FEMA Classifies Flood Risk
FEMA publishes…
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