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  • Writer's pictureEd DiMarco MS, MA

Understanding Different Flood Zones for Property Insurance Purposes in Florida

Updated: Dec 11, 2023

Florida is one of the most flood-prone states in the United States. More than 25% of all flood insurance claims in the country are filed in Florida. This is because Florida is on a peninsula bordered by the Atlantic Ocean and the Gulf of Mexico. As a result, Florida is susceptible to flooding from hurricanes, tropical storms, and heavy rainfall.


Property insurance and Flood Zones in Florida

If you own property in Florida, it is essential to understand the different flood zones and how they affect your property insurance. Flood zones are designated by the Federal Emergency Management Agency (FEMA) based on the risk of flooding in a given area.


There are two main types of flood zones:


Special Flood Hazard Areas (SFHAs): SFHAs are the highest-risk flood zones. They have a 1% or greater chance of flooding in any given year.

Non-Special Flood Hazard Areas (non-SFHAs): Non-SFHAs have a lower risk of flooding than SFHAs. They have a less than 1% chance of flooding in any given year.

SFHAs are further divided into two categories:


A Zones: A Zones are subject to inundation by the 100-year flood. This means that there is a 1% chance of flooding in any given year. A Zones are typically located near rivers, lakes, and the coast.

V Zones: V Zones are subject to inundation by the 100-year flood wi


th wave action. This means there is a 1% chance of flooding in any given year, and waves will accompany the floodwaters. V Zones are typically located along the coast.

If your property is located in an SFHA, you will be required to purchase flood insurance. Flood insurance is not covered by homeowners insurance. Flood insurance can be purchased from the National Flood Insurance Program (NFIP) or private insurance companies.


You must not purchase flood insurance if your property is in a non-SFHA. However, it is still a good idea to consider purchasing flood insurance, even if your property is not in a high-risk flood zone. Flooding can occur anywhere, and flood insurance can help protect your financial investment in your property.


You can visit the FEMA Flood Map Service Center to find out which flood zone your property is in. You can also contact your local insurance agent for more information about flood insurance.


Here are some additional tips for understanding different flood zones for property insurance purposes in Florida:


Be aware of the different types of flood zones.

Know which flood zone your property is located in.

Consider purchasing flood insurance, even if your property is not located in a high-risk flood zone. Talk to your insurance agent about flood insurance options.


Flood insurance can help protect you from the financial devastation of flooding. Understanding the different flood zones and how they affect your property insurance is essential to make the best decision for you and your family.


For more detailed information on Flood Zones visit:




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