Click anywhere on the map or search an address to look up the FEMA flood zone for that location. Covers all zone types including AE, X, and VE. Useful for real estate disclosures, flood insurance research, and home buying.

Find a location

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Status

Ready — search an address or click the map to check any location.

Flood zone result

Risk level

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Annual flood chance

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Zone type

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Data source

FEMA NFHL

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Search an address or click the map

What do the zones mean?

⚠ High Risk — Zones A, AE, AO, AH, AR, A99

1% chance of flooding each year (the "100-year floodplain"). Flood insurance is typically required with a federally backed mortgage.

⚠ High Risk Coastal — Zones V, VE

Same 1% annual flood chance as A zones, plus storm surge and wave action. Flood insurance is typically required with a federally backed mortgage.

~ Moderate Risk — Zone X / Zone B

0.2% annual flood chance (the "500-year floodplain"). Appears as a lightly shaded area on the map, just outside the high-risk zone. Flood insurance is not required but is recommended.

✓ Low Risk — Zone X / Zone C

Outside the 500-year floodplain. Minimal mapped flood hazard. No map shading is shown for this zone — a blank area on the FEMA layer means low risk. Flood insurance is not required.

? Undetermined — Zone D

FEMA has not studied this area. Flood risk is unknown.

Zone definitions per FEMA's official glossary. For lending or insurance decisions, confirm with your lender or a licensed insurance agent.

Tips

FEMA layer: Toggle the flood overlay on the map to see zone boundaries. Zoom in to street level for best detail — the layer only renders at closer zoom levels.

Coverage: US addresses only. Some rural areas have limited or no FEMA mapping data.

Map changes: FEMA flood maps are updated regularly. Your zone may have changed — check msc.fema.gov for the official current map.

Disclaimer

GeoWorkbench displays flood hazard data retrieved directly from the FEMA National Flood Hazard Layer (NFHL) in real time. This tool is provided for general informational purposes only and does not constitute a legal flood zone determination, a Letter of Map Amendment (LOMA), or any official finding under the National Flood Insurance Program (NFIP).

Results may not reflect the most recent map amendments, Letters of Map Revision (LOMRs), or local floodplain ordinances. Flood maps are updated continuously by FEMA and conditions on the ground may differ from what is shown.

Do not rely on this tool for mortgage lending decisions, insurance rating, building permits, property transactions, or any other purpose requiring an official flood zone determination. For those purposes, consult FEMA's official Map Service Center, your local floodplain administrator, or a licensed surveyor.

GeoWorkbench and its operators assume no liability for decisions made based on information displayed by this tool.