Hundred Year Flood Zone

What Does Hundred Year Flood Zone Mean?

The Hundred-Year Flood Zone map identifies areas in the United States that are most likely to experience flooding. Property owners in these flood-prone areas are advised to purchase flood insurance.

Insuranceopedia Explains Hundred Year Flood Zone

The term “Hundred-Year Flood Zone” refers to the probability of an area experiencing a flood within a 100-year period.

The mapping is not solely based on past flooding events but also considers geographical features, such as proximity to bodies of water.

Whether a property sits inside or outside the Hundred-Year Flood Zone often determines if a mortgage lender will require coverage, which is why many homeowners check their zone before deciding if they need flood insurance. Premiums also vary by location, and you can look up flood insurance rates by ZIP code to see what coverage typically costs in a given area.