FEMA's flood map checks one address at a time. Paste or upload your properties and see in seconds which ones sit in a high-risk flood zone, with the FEMA zone for each. Free, no account.
Quick answer
An address is in a high-risk flood zone if it falls inside FEMA's Special Flood Hazard Area: the A and V zones on FEMA's flood maps, where there's at least a 1% chance of flooding each year. Buildings there with a mortgage from a federally regulated or insured lender must carry flood insurance. To check a list, paste it below: each address is placed on the map and checked against FEMA's National Flood Hazard Layer.
Step 1 of 2 · about a minute
Or paste one address per line
US addresses with a house number and a state or ZIP. Only the address is used for the check.
Zones starting with A (A, AE, AH, AO, AR, A99) or V (V, VE) are high-risk: the Special Flood Hazard Area. V zones also face coastal waves. Anywhere else FEMA has mapped digitally is outside the high-risk area, which isn't the same as no risk: floods happen there too, and this check doesn't separate moderate risk from low. Where FEMA has no digital map, the checker says so.
Where FEMA gives one, the download includes the base flood elevation: the height floodwater is expected to reach in a flood with a 1% chance each year. Lenders, insurers and builders use it to rate a building and design for it.
FEMA's National Flood Hazard Layer, from FEMA's own state downloads: every state and territory, about 1.37 million high-risk zones. In a check of 140 points across seven states it matched FEMA's map service at 138; the other two were within a metre of a zone's edge. Addresses are placed with our own US address data, and every row shows how sure we are of its location: near the edge of a zone a rough placement can change the answer, so check those on FEMA's map.
This is a planning check, not an official flood zone determination. A lender's flood determination is the official answer for a single property, and FEMA's maps change through map revisions and letters of map change.
Is this an official flood zone determination?
No. It checks a list against FEMA's published flood maps at once. A lender's flood determination, or FEMA's own map, is the official answer for a single property.
What does Zone AE mean?
A high-risk area where FEMA has worked out the base flood elevation. It's part of the Special Flood Hazard Area, where flood insurance is required for mortgages from federally regulated or insured lenders.
What does "not digitally mapped" mean?
FEMA has no digital flood map for that area, often only an older paper map. The checker can't say either way there; FEMA's Map Service Center has the paper maps.
Does outside the high-risk zone mean no flood risk?
No. Floods happen outside high-risk zones too. It means the risk is lower, not zero.
How many addresses can I check?
Up to 5,000 per list. The first 25 show straight away; enter a work email to check the rest and download the whole file.
Do you keep my list?
Your addresses are used to run the check. They aren't shared or sold.