Does have a base flood elevation established. AE (lavender) - Special Flood Hazard Area that is high risk for flooding and typically requires flood insurance.Does not have a base flood elevation established. A (blue) - Special Flood Hazard Area that is high risk for flooding and typically requires flood insurance.Click Parcel Info in the right sidebar and scroll down to 'Flood Zone'.Find the matching color in the left sidebar.Enter your address in the search bar at the top of the map and do one of the following:.Your flood zone will load in the Property Information section (last box).Your current flood zone will load in their respective sections.(New) Use the Flood Zone Information Tool:

Evacuation levels are based on hypothetical storm scenarios and take into account numerous factors beyond just flooding. Find your evacuation level.įEMA maps flood zones for use in the National Flood Insurance Program. The agency received authority to secure reinsurance through the Biggert-Waters Flood Insurance Reform Act of 2012 and the Homeowner Flood Insurance Affordability Act of 2014. FEMA’s 2024 reinsurance placement builds upon its previous reinsurance placements as further development toward a stronger financial framework.įor more information, visit the NFIP Reinsurance Program webpage on zones are not the same as evacuation zones.

Treasury.įEMA contracted with Guy Carpenter and Company, a subsidiary of Marsh & McLennan Companies, to provide broker services to assist in securing the reinsurance placement. If a qualifying catastrophic flood event occurs, reinsurance companies cover a portion of the NFIP’s losses to enhance FEMA’s ability to pay flood insurance claims without borrowing from the U.S. Reinsurance is a financial risk management tool used by private insurance companies and public entities to protect themselves from large financial losses. “However, the program will adjust NFIP reinsurance investments whenever necessary to reflect market conditions as we did again this year.”

“With continued difficult market conditions this year, FEMA remains committed to long-term use of private sector reinsurance,” said David Maurstad, Assistant Administrator for the Federal Insurance Directorate and senior executive of the National Flood Insurance Program. If a named storm flood event is large enough to trigger all reinsurance agreements, FEMA will receive qualifying payments. 22.0625% of losses between $9 billion and $11 billionĬombined with the three capital markets reinsurance placements in 2021-23, FEMA has transferred $1.9195 billion of the NFIP’s flood risk to the private sector.8.9125% of losses between $7 billion and $9 billion.FEMA will pay a total premium of $121.1 million for the coverage. The 2024 reinsurance placement covers portions of NFIP losses above $7 billion arising from a single qualifying flood event. The agency has transferred an additional $619.5 million of the NFIP’s financial risk to the private reinsurance market. This annual reinsurance agreement provides coverage in 2024 through the support of 18 private reinsurance companies. WASHINGTON - FEMA announced its 2024 traditional reinsurance placement for the National Flood Insurance Program (NFIP), continuing its risk management practice against catastrophic flood losses.

Fema high risk flood zone map