Is your home in a flood zone?
Check any address instantly. Get your FEMA flood zone, risk score, and find out if you need flood insurance — completely free.
How it works
Enter your address
Type any US street address — we'll find the exact location using Census Bureau geocoding.
We query FEMA
We check the FEMA National Flood Hazard Layer in real-time for the most current flood zone data.
Get your results
See your flood zone, risk score, and whether flood insurance is required — with a detailed explanation.
Frequently asked questions
What is a FEMA flood zone?
FEMA flood zones are geographic areas defined by the Federal Emergency Management Agency according to varying levels of flood risk. They range from high-risk zones (A, AE, V, VE) where flood insurance is typically required, to minimal-risk zones (X) where it's optional.
Do I need flood insurance?
If your property is in a Special Flood Hazard Area (SFHA) — zones starting with A or V — and you have a federally backed mortgage, flood insurance is required by law. Even outside these zones, it's often recommended since about 25% of flood claims come from moderate and low-risk areas.
How accurate is this tool?
We query FEMA's official National Flood Hazard Layer (NFHL) in real-time, the same data source used for official flood determinations. However, this tool is for informational purposes only and is not a substitute for an official FEMA Flood Determination or Elevation Certificate.
Is this tool really free?
Yes. The basic flood zone lookup is completely free with no signup required. We use publicly available FEMA data and the US Census Bureau geocoder.