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What do I need to know about flood insurance when buying a home?

I've been checking properties against the FEMA National Flood Hazard Layer. What are the implications of the different flood zones for flood insurance?

avatar
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Flood insurance
can be complicated, so it’s great you’re doing your research.
When it comes to flood risk, there are low-risk areas and high-risk areas. These are the different zones and how they correspond to risk:
  • X/B/C zones: Low-risk area
  • AH Zone: High-Risk area
  • AE Zone: High-Risk Area
  • VE Zone: High-Risk Area
If your community participates in the National Flood Insurance Program, you can purchase flood insurance directly through FEMA. If they don’t, you can still purchase flood insurance through a private provider like
Progressive
.
Some lenders require flood insurance when purchasing a home, so you’ll want to check with your mortgage provider as well. Even if it’s not required, purchasing flood insurance can protect your home from damage. Homeowner’s policies often exclude water damage, so a separate policy is beneficial.
If you’d like help shopping for home and car insurance, use the
Jerry
app. Jerry is a licensed broker that gathers quotes from over 50 providers and delivers the best deals to your phone in minutes for free.”
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