Flooding is the most costly and repetitive natural disaster affecting the United States. As a renter of a residential property, you should know the flood risks associated with your residence. Search by address on our Flood Insurance Rate Maps to determine your flood risk. A description of the different flood zones is provided below. Be prepared for the risk of a flood by visiting www.ready.gov/floods.
High Risk High risk flood zones are denoted on the FIRMs by Zones A, AE or AH. If you live in a high-riskarea, purchasing renters flood insurance could be in your best interest.
Moderate to Low Risk Moderate- to low-risk flood zones are indicated by Zone X. While the risk is lower in these areas and purchasing insurance is not required of homeowners in this area, purchasing a renters policy could still be beneficial in the event of a flood.
The city's stormwater management policies and procedures are designed to minimize the risk of flooding, but flooding can and will still occur. Typically, your landlord or property manager's insurance will not cover a tenant's losses from a flood event. Flood insurance is available for renters and is generally the only insurance that pays for flood losses. Find out more information about flood insurance for renters.