Say where the home is, whether there's a mortgage, what you've been told, and whether you've had water before. In a few seconds you get how to find the real zone, what a flood policy does and doesn't pay, how it's priced, the waiting period, and the questions for an agent. No account. Nothing stored.
Free — takes 30 seconds
The county and general area, whether there's a mortgage, whether a lender or agent said you need flood coverage, your current flood policy if any, whether the home has ever had water, and whether you're buying, owning, or renewing.
Why this exists
It means the map doesn't require insurance. It doesn't mean the water agrees. An inch of water in a slab home is a five-figure loss, homeowners insurance pays none of it, and FEMA assistance is a fraction. The policy that does pay has a 30-day wait. This shows you how to check the real zone and what a policy actually costs to find out.
How it works
Area, mortgage, what you were told, any past water. Nothing is saved.
How to find the zone, what a policy covers, how it's priced, the waiting period — in English or Spanish.
The two-quote sheet, the elevation-certificate script and the buyer checklist, in the full version.
Plans
The free version explains the zone, the policy and the cost levers. The sheet gives you the two-quote comparison, the elevation-certificate script, the force-placed challenge letter and the inventory template.
Every renter and homeowner tool, one membership — leases, deposits, repairs, HOA notices, mortgage hardship, home-warranty fights, AC and lawn quote checks.
All prices in USD, handled by Stripe. The check is free and always will be.
Common questions
Homeowners insurance never covers flood, and FEMA/FloodSmart notes that about one in four flood claims come from outside the high-risk zones. This tool can help you look up your real zone, but it never tells you that you don't need coverage — that call belongs to a licensed agent.
Use the FEMA Flood Map Service Center to search your address and see the official zone. Your county's property appraiser or GIS site sometimes shows newer preliminary maps too. Note this is different from the state's 'Know Your Zone' tool, which covers hurricane evacuation zones, not flood insurance.
An NFIP policy covers a single-family building up to $250,000 and contents up to $100,000, with separate deductibles, actual-cash-value payouts for contents, and most basements excluded. It's not full replacement of everything you own, so ask an agent what that would mean for your home.
Yes — describing your situation and getting the explanation is free, and nothing you type is stored. An optional $4.99 readiness sheet for one home and a $99/month plan for agents, counselors and communities are extras, but the basic check itself costs nothing.
Per FloodSmart, a new NFIP policy has a 30-day waiting period, so you need to buy before a storm is already in the Gulf — not the week before landfall. There are exceptions at loan closing and for certain map changes, which an agent can confirm.
El seguro de propietario de vivienda nunca cubre inundación, y FEMA/FloodSmart señala que cerca de una de cada cuatro reclamaciones por inundación proviene de zonas fuera de las de alto riesgo. Esta herramienta puede ayudarle a consultar su zona real, pero nunca le dice que usted no necesita cobertura — esa decisión la debe confirmar un agente con licencia.
Use el FEMA Flood Map Service Center para buscar su dirección y ver la zona oficial. El sitio del tasador de propiedades o el GIS de su condado a veces muestra mapas preliminares más recientes. Tenga en cuenta que esto es distinto de la herramienta estatal 'Know Your Zone', que trata sobre zonas de evacuación por huracanes, no sobre seguro de inundación.
Una póliza del NFIP cubre el edificio de una vivienda unifamiliar hasta $250,000 y el contenido hasta $100,000, con deducibles separados, pagos por valor real en efectivo para el contenido y la mayoría de los sótanos excluidos. No es el reemplazo total de todo lo que usted posee, así que pregúntele a un agente qué significaría eso para su hogar.
Sí — describir su situación y obtener la explicación es gratis, y nada de lo que usted escribe se guarda. Una hoja de preparación opcional de $4.99 para una vivienda y un plan de $99 al mes para agentes, consejeros y comunidades son extras, pero la consulta básica no cuesta nada.
Según FloodSmart, una póliza nueva del NFIP tiene un período de espera de 30 días, así que debe comprarla antes de que una tormenta ya esté en el Golfo, no la semana antes de que toque tierra. Existen excepciones al cierre de un préstamo y en ciertos cambios de mapa, que un agente puede confirmarle.
Built by the same team, free to try.