Understanding Flood Zones: What Homebuyers Need to Know Before Purchasing

Picture yourself sipping coffee on the porch as the river or creek rushes by—idyllic, right? But then comes the worry about flood zones and insurance.

Here’s what you need to know.

Flood Zone AE

• Risk Level: High. Flood Zone AE areas have a 1% chance of flooding each year—often called a “100-year flood.”
• FEMA Study: These areas have been mapped in detail, and FEMA has set a Base Flood Elevation (BFE), the level floodwaters could reach.
• Buyer Impact:
• Flood insurance is required with federally backed loans.
• Homes must be elevated above the BFE.
• Insurance rates depend on how the home compares to the BFE.

Flood Zone A

• Risk Level: High, same 1% chance of flooding as AE.
• FEMA Study: Identified as risky, but no detailed study—so no official BFE.
• Buyer Impact: Insurance is still required, and local authorities may estimate elevation requirements.

Flood Zone VE

• Risk Level: Very high, for coastal properties.
• Details: Flood risk plus wave action (3+ foot waves in major storms).
• Buyer Impact: Insurance is required and usually more expensive. Homes must meet strict coastal construction standards (think pilings).

Flood Zone X

• Risk Level: Lower.
• Shaded X: Moderate risk (0.2% annual chance).
• Unshaded X: Minimal risk.
• Buyer Impact: Insurance isn’t required, but often inexpensive and worth considering.

Why Flood Zones Matter When Buying a Home

• Insurance Costs – Flood zones directly impact monthly expenses.
• Construction Rules – Especially in AE and VE zones, building codes require elevation and reinforcements.
• Resale Value – Future buyers will also weigh flood risk and insurance costs.
• How to Check a Property’s Flood Zone
• Search FEMA’s Flood Map Service Center (msc.fema.gov).
• Ask your agent (that’s me!) to verify flood risk as part of due diligence.
• Consider getting an elevation certificate for accurate insurance quotes.

Final Thought

Flood zones don’t have to sink your riverfront dream. Many homes in Flood Zone AE and beyond are elevated, protected, and insurable—you just need the right information up front.

I help buyers in North Carolina, South Carolina, and Georgia navigate the home buying process, including understanding flood zones and insurance requirements. If you’re searching for your next home and want expert guidance, let’s talk.

Melanie Bauer

M |  L Prestige Realty Group & RE/MAX Town & Country
Licensed in NC, SC, GA

Helping buyers and sellers make smart moves in the Carolinas and North Georgia.