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FloodCheck

Look up the official FEMA flood zone for any U.S. address. Free, instant, no signup required.

FEMA Flood Zone Guide

AE / A

High Risk

Special Flood Hazard Area. 1% annual chance of flooding. Flood insurance is required for federally backed mortgages.

VE / V

Very High (Coastal)

Coastal high-hazard area with wave action. Highest risk zone. Flood insurance required.

X (Shaded)

Moderate Risk

0.2% annual chance flood area (500-year flood). Insurance not required but strongly recommended.

X (Unshaded)

Low Risk

Outside the Special Flood Hazard Area. Lower risk zone. Flooding can still occur — 25% of NFIP claims come from low-risk zones.

Undetermined

No flood hazard analysis performed. Possible but undetermined risk.

Data source: FEMA National Flood Hazard Layer (NFHL). For official flood determination, consult a licensed floodplain manager.

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