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Have you ever wondered what it costs to insure a home that’s located on the beach? Have you considered a river or lake front home and wanted to know how much of a risk you were taking–if a flood were to occur?

According to FEMA, the Federal Emergency Management Association, there are close to 20,000 communities in the United States that are in a flood zone. These flood zone areas are protected by FEMA’s National Flood Insurance Program. Floods are the single most common natural disaster and takes a financial as well as emotional toll on thoe who become flood disaster victims.

There are different types of flood zones, and each zone presents varying risks which determine the insurance premium rate required. FEMA’s rating system is divided into a V flood zone and an A flood zone.

The V flood zone is considered to be a secial hazard flood area and include low lying areas such as beach front properties and are indicated as VE, V-1, and V-30 zones. This area is also exposed to “wave velocity,” or tsunami type conditions which make flood insurance mandatory for this zone.

The V zone structures require that the lowest portion of the home or business be at or above BFE, Base Flood Elevation, meaning that it cannot be below sea level. The lowest level cannot be used for living space (that’s why you will see homes built on “stiilts” with ony parking underneath) and the building must be placed on piles, piers, posts, or column foundations. Also, the electrical heating, plumping and other home equipment must be elevated. Make sure that the home or business you buy or build meets FEMA’s V zone requirements in order to qualify for the insurance and more importantly, keep you and your loved ones safe.

The A flood zone area is still in the flood zone, but is considered less of a risk and includes residences and businesses that can be effected by rising waters. This includes homes and communities near a river, lake, or other types of water. Flood insurance is still mandatory in all A zones because potential rising flood waters and are indicated as A zones AE, AH, AO, AR, and A99 to reflect various flooding conditions. Those who live in the A zone are also required that their lowest floor be at or above BFE, Base Flood Elevation, that their lowest floor cannot be used for living space, and that their electrical, heating, and various equipment be elevated as well.
There is also a flood zone x, but it is not required to carry flood insurance and is less defined.

How do I know which zone I live in?

Usually, this information is disclosed when you purchase your home since you will be required to carry flood insurance if you have a mortgage. If you’re not sure, or you’re considering a purchase, you can ask the realtor or visit your city hall where building permits are kept which were needed by the builder to build your home.

The FEMA website also offers a flood map that are available for purchase for a small fee.

The best way to prevent a flood disaster is by knowledge and taking the proper steps to prepare. Don’t risk your safety. Make sure your family is safe and your belongings are properly insured. Water damage can be dealt with, but lives should not be lost.