These are high-risk zones, often referred to as "100-year floodplains," labeled as Zone A or Zone V on FEMA flood maps.
Your typical homeowners insurance policy almost never covers damage caused by rising surface water or storm surges. do i have to buy flood insurance
For most homeowners, the requirement comes down to federal law and the terms of your mortgage. You are typically required to buy flood insurance if: These are high-risk zones, often referred to as