Ask an Agent: How do I know if my home is in a flood zone?

February 21, 2018
Homeowners Insurance,

Q: How do I know if my home is in a flood zone?


A:  Though river floodplains and coastal areas are the most susceptible, floods can happen anywhere. It is likely flooding can occur in areas with usually long periods of heavy rainfall – typically in dry land areas. In terms of flood insurance purpose and coverage, a flood is traditionally defined as 'when two or more acres or two or more properties are affected by water rising from the ground up'.

Whether you are in a high risk zone or not, you may need flood insurance because homeowner’s insurance doesn’t cover flood damage. If you live in an area with low or moderate flood risk, you are more likely to experience flood than a fire in your home over the next 30 years. For many, a National Flood Insurance Program’s policy could cost less than $500 a year. Reference our Basic Facts About Flood Insurance blog to learn more.


What can BHS Insurance help you with? We have over 25 associates dedicated to finding the best coverage for your life, home and auto needs. Request a quote online today.


Answered by:



     Bev Grasman, Account Manager

      46 years’ insurance experience

      31 years at BHS Insurance

      Email me!