Why is flood insurance recommended for my property?

Learn more about why flood insurance may be recommenced for your property.



While only FEMA maps can be used to determine flood insurance and building code requirements, both FEMA and Flood Factor recommend insurance regardless of the severity of risk because flood insurance is one of the best ways to protect against financial losses caused by flood events. It is also important to note that flooding is not included in standard homeowners insurance. Learn more.

Flood insurance is available to homeowners, business owners, and renters throughout the nation. Although flood insurance is only required for properties in high-risk FEMA flood zones, about 20% of all flood insurance claims come from properties outside these zones. 

Individuals can search their address on Flood Factor to find their property’s flood risk as well as their FEMA zone. The FEMA zone data shown on Flood Factor is provided by MassiveCert Inc and is currently an estimated zone. We recommend working directly with MassiveCert or another similar company to acquire the Flood Determination Certificate for a property or to get the determinations reversed. MassiveCert has services nationwide for a Letter of Map Amendment as well as an application process for providing elevation data for a property should FEMA’s elevation data be wrong. Individuals who suspect their FEMA zone information may be incorrect should provide their Flood Determination Certificate to the Flood Factor team for further analysis. Once a certificate is submitted, our team will temporarily remove the property page from FloodFactor.com within one week and will re-release the page with the updated FEMA zone during the next site update which occurs on a quarterly basis. However, It should be noted that FEMA zone designations do not impact a property's Flood Factor.


Learn more

Learn about the benefits of having flood insurance

Flood Factor FAQ

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