Question Details

Nanette, Other/Just Looking in California

What does a flood zone mean and how do I find a map of the zone?

Asked by Nanette, California Mon Jul 2, 2007

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A couple of peple already explained what a flooz zone means. As it's something that had or could have happend within the last 100 years, you'd be amazed at how many houses are in a flood zone. In Novato, we used to say that we have 1/2 of the houses in a certain area in a flood zone, but the drainage has been vastly improved since and there is no more flood danger in those area.

Go to the source - FEMA Federal Emergency Management Agency MAP Service Center…

Want to know about whether your specific property is in a flood zone? You can ask your insurance agent to check that for you or you can use a serivce to get your Natural Hazard Report. A couple of companies who does that are NHD Reprot and JCP report

Good Luck
1 vote Thank Flag Link Sat Aug 11, 2007
Just FYI, that link to the Map Service Center is no longer active. The updated homepage is simply
Flag Tue Dec 9, 2014
Sylvia Barry,…, Real Estate Pro in Novato, CA
Flood zones are rated based on the "100-year flood" or the "500-year flood." This is the standard used by most federal and state agencies, is used by the National Flood Insurance Program (NFIP) as the standard for floodplain management, and is used to determine the need for flood insurance.

The "100-year flood" zone means that the area's elevation has a 1% chance of being equaled or exceeded by flooding each year, or a 26% chance of suffering flood damage during the term of a 30-year mortgage.

The "500-year flood" zone means that the area has a lower risk of flooding. However, 25% of all flood insurance claims are from these areas.
1 vote Thank Flag Link Sat Aug 11, 2007
0 votes Thank Flag Link Tue May 1, 2012
A flood zone is where there has been a flood within the last 100 years. It may have been a little creek that over flowed in the 50's or before they had better maintenance. Many of the maps are obselete but they can be obtained from FEMA. You can also determine if the property is located in a flood zone from a natural hazards inspection or your insurance person.
Web Reference:
0 votes Thank Flag Link Sat Aug 11, 2007
Pam Winterba…, Real Estate Pro in San Ramon, CA
If you are considering purchasing a home located in a flood zone, you may also have to purchase flood insurance in addition to home-owner's insurance. Depending on the area, this can be quite expensive. If you have an agent, they can look up that information for you as well. Or you can search the city website for the FEMA flood zone.
Web Reference:
0 votes Thank Flag Link Tue Jul 3, 2007
This means that the county/city has determined the area a flood zone. Contact the planning and zoning department in the area to get more info. Lets say you want to invest in land, but want to be sure that it's buildable then you would need to hire an engineer to guide you.
0 votes Thank Flag Link Mon Jul 2, 2007
Herman Chang, Real Estate Pro in Palm Beach Gardens, FL
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