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Fire & Water - Cleanup & Restoration

How To Tell If Your Home Is in a Flood Zone

9/18/2020 (Permalink)

Image of a flooded neighborhood. A house is underwater. Living in certain locations does increase the odds of experiencing a flood.

Virtually no home is immune to flooding, particularly after a storm, but living in certain locations does increase the odds of experiencing a flood. To find out if your Colorado Springs, CO, home sits in a flood zone, take the following steps.

3 Steps To Find Out If Your Home Sits In a Flood Zone


1. Consult a Flood Map

Flood maps identify the parts of the country that are most vulnerable to rising water based on available data, and they are updated regularly. In addition to highlighting the boundaries of these zones, many maps also indicate major floodways.
To view flood maps free of cost, visit the FEMA Flood Map Service Center. You can use the service to create, save and print a hard copy of your local area’s flood map. The map itself may seem intimidating at first glance, but the website provides a helpful glossary to assist you in deciphering unfamiliar language. The center also provides other flood-fighting resources to help you understand your local risk in greater depth.

2. Understand the 6 Types of Flood Zone

Since flood maps are used extensively by flood insurance providers, the various flood zones are classified alphabetically. Each flooding zone carries a different level of risk:

  • Zone A: High flood risk
  • Zone B: Moderate flood risk
  • Zone C: Minimal flood risk
  • Zone D: Undetermined flood risk
  • Zone V: High risk flood zones specific to coastal locations


New flood maps also merge Zones B and C into the singular Zone X.

3. Check Your Map Periodically

Flood zones shift over time due to man-made and natural changes to the land’s topography. As such, it’s important to review flood maps every five years. If your home falls in Zone D, you may want to check more often.

When it comes to preventing water damage from flooding, knowledge is power. Identifying whether or not your house is in a flood zone is your first step toward protecting not only your home, but also everyone and everything in it.

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