Flood Maps and Knowing Your Property
One of the most important things to be aware of when buying a home is the flood zone that it is located in. Being aware of what zone you are located in is the first step in preparing your house for any potential flood damage. The zone will tell you how likely you are to suffer from a flood in your area and the level that your house was built to withstand. Flood maps and the flood history of your region can be found online by simply plugging in your zip code. The different zones you will need to be aware of are:
- Blue Zones: Blue zones have a 1% chance annually of flooding. These have been determined to have significant flooding at least once every 100 years. A 1% chance may not seem too significant but it is actually considered to be a high risk area and if you are living in a blue zone you should take the proper steps to prepare your home.
- Orange Zones: These zones have a 0.2% chance annually of flooding. These are said to face significant flooding once every 500 years. The insurance rates for homes in orange areas are likely to be lower as the risk of damage is not as great. The biggest things to watch out for in your home in this zone is leaks and excessive surface runoff.
- Yellow Zones: Yellow zones are areas that the flood risk has not been determined. If you are thinking of buying a home in a yellow zone be sure to research the areas flood history in order to gain some information before buying.
- Blue with Red Stripes: These areas are deemed regulatory floodways. These often are rivers and the surrounding floodplain. The floodplains are normally kept clear in order to be able to withstand potential flooding. There are some circumstances in which there are houses located in or very close to a floodplain. These homes need to take extra precautions for potential flooding.
Understanding what zone your current or future home is located in is a key part in being able to best prepare your house in the event of a flood.
Content by: https://www.valuepenguin.com/homeowners-insurance/how-to-prevent-home-flooding