Sample report
Ten pages, built for your exact address: the zone decoded in plain English, the insurance cost range with sources, the questions to ask your agent and insurer, and how the zone changed over time. Printable for your records. Below: six sample pages.
Free lookup first — check any address.
High risk — insurance required with a federally backed mortgage.
Map effective: shown on every report · FEMA data checked at generation time · Not an official flood determination
A / AE — High risk. Insurance required with a federally backed mortgage.
V / VE — High risk — coastal (wave action).
X (shaded) / B — Moderate risk. Insurance optional but recommended.
X (unshaded) / C — Minimal risk. Insurance optional.
D — Undetermined — not studied; treat with caution.
SFHA (high-risk) = zones beginning with A or V. Over 20% of NFIP claims come from outside the SFHA.
AE is a 1%-annual-chance (100-year) flood area with Base Flood Elevations determined. High-risk areas face at least a 1-in-4 chance of flooding during a 30-year mortgage.
$800–$2,000/year (estimate)
Scaled from published NFIP medians for a $250,000 building-coverage policy. Median ≈ $1,200 at that coverage; full-risk up to ~$1,750+.
Under FEMA's Risk Rating 2.0, zone is no longer the main pricing driver — distance to water, replacement cost, elevation, foundation, and claims history are. Premiums are property-specific.
Estimates based on published NFIP data (FEMA, 2025–2026). Your actual premium is set by your insurer under FEMA's Risk Rating 2.0 and varies by property. Not a quote — get a real quote at floodsmart.gov.
Your full report shows the map effective date for the FIRM panel covering the address and flags known map amendments (LOMA/LOMR) nearby.
Zones change when FEMA updates maps. A house that was Zone X in 2010 can be Zone AE today — and the insurance bill changes with it. Check the map effective date before closing.
Not an official flood determination. Boundaries are approximate.
Single report $19 · 3-pack for comparing houses $39