Enter your address to instantly see your FEMA flood zone designation and learn what it means for your insurance.
Enter your full street address with city and state for the most accurate result.
Example: "742 Evergreen Terrace, Milwaukee, WI 53202" — Uses official FEMA flood map data. Free, instant, no email required.
Flood risk is more widespread than most homeowners realize — and the consequences of being uninsured can be devastating.
40% of claims come from LOW-RISK zones
More than 40% of all National Flood Insurance Program claims come from properties outside high-risk flood zones. Flood risk doesn't stop at zone boundaries.
Source: FEMA/NFIP claims data
1 inch = $25,000+ in damage
Just one inch of floodwater in your home can cause more than $25,000 in damage — ruined flooring, drywall, appliances, and personal belongings.
Source: FEMA FloodSmart
NOT covered by homeowners insurance
Standard homeowners insurance policies do NOT cover flood damage. Period. A separate flood insurance policy is the only way to protect your home and belongings.
Average flood claim: $52,000+
The average NFIP flood insurance claim exceeds $52,000. Without coverage, that comes entirely out of your pocket.
Source: FEMA NFIP statistics