Frequently Asked Questions
How do I find out if I'm located in a Flood Zone?
There's only one (1) way to know for sure; and that is with a Certified Flood Zone Determination.How long does it take to get my Flood Report?
In most cases you'll get your product in 30-60 minutes, but there's always a chance it may take longer.
Why don't you use an automated system with instant results like other sites?
Answer 1: The automated flood "Risk-o-Meter" sites do not provide you with a Certified Flood Zone Determination in the required FEMA format... We do!
Answer 2: Accuracy!!! Is 30-60 minutes really to long to wait? We didn't think so. We perform all of our Flood Zone Determinations manually... the method suggested by industry experts.
At myFloodZone.com every order goes to a skilled Flood Map Analyst, where they prepare your report by hand, visually examining the most current maps and data available.
Who is qualified to perform a flood zone determination?
For the most part, ONLY flood zone determination companies (like myFloodZone.com™) are qualified to perform such an important service. And, if you check around, we are the only FZD firm exclusively catering to, and willing to serve the private sector. Realtors, appraisers, and others in the real estate industry are definitely NOT qualified, nor are their findings guaranteed (like ours!).
Are your services guaranteed?
Absolutely! When placing your order, make sure you enter the correct physical address as this this type of error will void the guarantee.
*see our Terms and Conditions
There's no way I'm in a flood zone so why should I order?
First of all, the ONLY way to KNOW if you are in a flood zone is to perform a flood zone determination using FEMA flood maps or the Digital data equivalent. Some people who think it's impossible that THEY could be in a flood zone get one heck of a surprise. Every single year people just like you find out the hard way that you don’t need to live on the banks of a raging river, or in a valley, to be financially destroyed by even a small flood.
If I order today, how long will it take to receive my Flood Zone Certification?
Generally, we will complete the flood determination in about 30-60 minutes and you should receive it the same day.
How much does it cost?
Please view our Products page.
What if I discover that I'm actually in a flood zone?
We suggest that you contact your lender (if you're still paying on your mortgage), and your insurance agent (not necessarily in that order).
If I'm not in a flood zone, is flood insurance still available?
Yes. It's quite affordable and should be considered. Even though you're not in a flood zone, your home could fall victim to flood as a result of severe weather conditions coupled with poor drainage in your community, your neighborhood, or even on your property. If this occurs, your normal homeowners or renters policy will not cover the loss. Only flood insurance will protect you from flood related damage.
What Does Community Participation In The National Flood Insurance Program (NFIP) Mean And How Does That Affect A Homeowner?
Cmmunities (i.e., local governments) decide to participate in the NFIP, which enables property owners to purchase insurance protection against losses from flooding.
Specifically, communities that agree to manage flood hazard areas by adopting minimum regulatory standards may participate in the NFIP. These standards are listed in Section 60.3 of the NFIP regulations. Section 60.3 and other portions of the NFIP regulations may be accessed through the Guidance Documents and Other Published Resources page on the FEMA Website.
If a community chooses not to participate in the NFIP, property owners in that jurisdiction are not able to purchase federally backed flood insurance. In addition, federal grants, loans, disaster assistance and federal mortgage insurance are unavailable for the acquisition or construction of structures in the floodplain shown on the NFIP maps.
If a community chooses not to participate in the NFIP, property owners are not subject to the federal flood insurance purchase requirements. However, a lender is still required to inspect the effective NFIP flood maps to determine and provide notice of flood hazards and risks. A lender may require a borrower to obtain flood insurance even in the absence of a federal requirement.
There's only one (1) way to know for sure; and that is with a Certified Flood Zone Determination.How long does it take to get my Flood Report?
In most cases you'll get your product in 30-60 minutes, but there's always a chance it may take longer.
Why don't you use an automated system with instant results like other sites?
Answer 1: The automated flood "Risk-o-Meter" sites do not provide you with a Certified Flood Zone Determination in the required FEMA format... We do!
Answer 2: Accuracy!!! Is 30-60 minutes really to long to wait? We didn't think so. We perform all of our Flood Zone Determinations manually... the method suggested by industry experts.
At myFloodZone.com every order goes to a skilled Flood Map Analyst, where they prepare your report by hand, visually examining the most current maps and data available.
Who is qualified to perform a flood zone determination?
For the most part, ONLY flood zone determination companies (like myFloodZone.com™) are qualified to perform such an important service. And, if you check around, we are the only FZD firm exclusively catering to, and willing to serve the private sector. Realtors, appraisers, and others in the real estate industry are definitely NOT qualified, nor are their findings guaranteed (like ours!).
Are your services guaranteed?
Absolutely! When placing your order, make sure you enter the correct physical address as this this type of error will void the guarantee.
*see our Terms and Conditions
There's no way I'm in a flood zone so why should I order?
First of all, the ONLY way to KNOW if you are in a flood zone is to perform a flood zone determination using FEMA flood maps or the Digital data equivalent. Some people who think it's impossible that THEY could be in a flood zone get one heck of a surprise. Every single year people just like you find out the hard way that you don’t need to live on the banks of a raging river, or in a valley, to be financially destroyed by even a small flood.
If I order today, how long will it take to receive my Flood Zone Certification?
Generally, we will complete the flood determination in about 30-60 minutes and you should receive it the same day.
How much does it cost?
Please view our Products page.
What if I discover that I'm actually in a flood zone?
We suggest that you contact your lender (if you're still paying on your mortgage), and your insurance agent (not necessarily in that order).
If I'm not in a flood zone, is flood insurance still available?
Yes. It's quite affordable and should be considered. Even though you're not in a flood zone, your home could fall victim to flood as a result of severe weather conditions coupled with poor drainage in your community, your neighborhood, or even on your property. If this occurs, your normal homeowners or renters policy will not cover the loss. Only flood insurance will protect you from flood related damage.
What Does Community Participation In The National Flood Insurance Program (NFIP) Mean And How Does That Affect A Homeowner?
Cmmunities (i.e., local governments) decide to participate in the NFIP, which enables property owners to purchase insurance protection against losses from flooding.
Specifically, communities that agree to manage flood hazard areas by adopting minimum regulatory standards may participate in the NFIP. These standards are listed in Section 60.3 of the NFIP regulations. Section 60.3 and other portions of the NFIP regulations may be accessed through the Guidance Documents and Other Published Resources page on the FEMA Website.
If a community chooses not to participate in the NFIP, property owners in that jurisdiction are not able to purchase federally backed flood insurance. In addition, federal grants, loans, disaster assistance and federal mortgage insurance are unavailable for the acquisition or construction of structures in the floodplain shown on the NFIP maps.
If a community chooses not to participate in the NFIP, property owners are not subject to the federal flood insurance purchase requirements. However, a lender is still required to inspect the effective NFIP flood maps to determine and provide notice of flood hazards and risks. A lender may require a borrower to obtain flood insurance even in the absence of a federal requirement.