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Flood

Flood Zone

A flood zone is FEMA's classification of how flood-prone a property is. Properties in high-risk zones starting with A or V typically require flood insurance if there is a mortgage on the property.

FEMA's classification of how flood-prone a property is. Zones starting with A or V are high-risk and usually trigger a lender requirement to buy flood insurance. Example: a home rezoned from X to AE after a FEMA map update may suddenly require flood coverage at the next mortgage refinance, with premiums jumping from optional to several thousand dollars per year.