Every U.S. address · FEMA form 086-0-32
Know your flood zone before it costs you.
Check any U.S. address free. Need it official? Get the guaranteed flood cert lenders use at closing. For buyers, homeowners, real estate agents and insurance agents. Just an address. No loan number, no account.
Flood maps change. Insurance bills change with them. Most people only see their flood zone at closing, when it’s too late to ask questions. We put the official answer in your hands first, and we keep watching the map after you buy.
Start free.
Certify when it counts.
FreeZone check
Instant / on screen+
Your zone from FEMA’s public flood map, matched to your lot, with ground height and a plain-English read. For a first look. It is not a certified determination.
$0CertCertified determination
PDF / guaranteed+
The FEMA Standard Flood Hazard Determination Form, prepared by LERETA, a national flood determination company. Zone, community, map panel and date. Backed by our accuracy guarantee.
$29WatchMap Watch add-on
Text + email / opt-in+
Tick the box at checkout and we watch FEMA’s map for your property. If the zone changes, you get a text and an email within 60 days of FEMA’s change, in plain English. Billed $12 once a year. Cancel anytime in one click. No loan needed.
$1/moMapMap overlay add-on
Image / PDF+
Your property drawn on the FEMA flood map, ready to attach to a listing, quote or disclosure.
+$9DeepDeep Flood Review
Same day / report+
The certified determination and map overlay, plus a plain-English report built from FEMA, USGS lidar and county records: your map history and any past map changes, your ground height against the flood level, whether a Letter of Map Amendment looks worth trying, and what your zone usually means for flood insurance. Ask follow-up questions anytime in chat. Hard cases can go to a Certified Floodplain Manager we work with. Includes a free year of Map Watch. Information only, not insurance advice.
$99ProAgent and volume pricing
Monthly / bulk+
Prepay a pack of 10 certs at the regular price. Each one comes with a free year of Map Watch as a bonus. Use them on any address, anytime in 12 months. Bigger teams get one invoice and API or batch ordering.
10-packSample prices for discussion. Final prices set after wholesale terms are signed. Add-ons are opt-in, never pre-checked.
Address in, answer out.
The same determination lenders order at closing, without the lender. Four steps from address to certified answer.
Enter
Type any U.S. address, or a parcel number. No loan number, lender or borrower name needed.
Pay
One price per property. Card, Apple Pay or Google Pay. No account, no subscription.
Download
Most certs are instant. If a lot needs a person to research it, we tell you within one business day and deliver within two.
Watch
Add Map Watch for $1 a month and we text and email you within 60 days of any FEMA change to your zone.
If we get your zone wrong,
we pay. In writing.
Premiums back
If your cert put you in a high-risk zone by mistake, we pay back up to two years of flood insurance premiums you paid because of it.
Flood losses covered
If your cert missed a high-risk zone and you flood without coverage, we cover the uninsured loss, up to the federal flood insurance limit or the home’s value, whichever is less.
Fixed and refunded
You get a corrected cert at no charge and your money back for the wrong one. Send us the claim within 90 days of learning about it.
Not covered: a wrong address or parcel number entered at order, and errors in FEMA’s own maps that couldn’t reasonably be caught. Full terms posted at launch.
Built for people
who aren’t lenders.
Home buyers
Know the zone before you make an offer, not at the closing table.
Homeowners
Paying for flood insurance and never seen water? Check if the zone still fits.
Real estate agents
Answer the flood question for a listing in minutes and attach the cert.
Insurance agents
Quote from the official zone without a lender contract.
Investors
Screen a list of properties before you buy. Bulk pricing on request.
Common
questions.
Is this the same cert my lender uses?
Yes. It’s the Standard Flood Hazard Determination Form (FEMA Form 086-0-32), prepared by LERETA, a national flood determination company. A lender can rely on it.
What’s the difference between the free check and the cert?
The free check reads FEMA’s public map for your lot. It’s a good first look. The cert is a guaranteed determination on the official form that lenders and insurers accept.
I’m getting a mortgage. Do I need this?
Your lender already orders one for your loan. This is for everyone else: cash buyers, homeowners, agents, and anyone who wants the answer before closing.
How is this different from the free FEMA map?
The free map shows the lines. A determination is a certified call on where your building sits, on the form lenders and insurers accept.
What if the map changes after I buy?
Add Map Watch for $1 a month, billed $12 a year. We text and email you within 60 days of a FEMA change that affects your property. It works with or without a loan, and you can cancel anytime.
My house is in the zone but never floods. Can I get out?
Sometimes. A Letter of Map Amendment (LOMA) from FEMA can remove a building that sits above the flood level. The free check shows your ground height next to the flood level, so you can see if it’s worth asking. The Deep Flood Review tells you plainly whether it looks worth trying.
What people ask.
Answered plainly.
- What does flood zone AE mean?Zone AE is a high-risk flood area. FEMA expects a 1% chance of flooding there every year, and its map shows how high the water is expected to reach. Lenders require flood insurance for most mortgages on buildings in Zone AE.→
- What does flood zone X mean?Zone X is outside FEMA's high-risk flood area. Shaded X is moderate risk, between the 1% and 0.2% annual chance flood lines. Unshaded X is minimal risk. Flood insurance is usually optional in Zone X, but floods still happen there.→
- Do I need flood insurance?You must have it if your building is in a high-risk zone (A or V) and you have a federally backed or regulated mortgage. Otherwise it is usually your choice. Most homeowners policies do not cover floods, and 1 in 3 flood claims come from low- and moderate-risk zones.→
- What is a flood certificate?A flood certificate, or flood determination, is FEMA's Standard Flood Hazard Determination Form (SFHDF), long known as FEMA form 086-0-32. It says whether a building is in a high-risk flood zone. Lenders must use it for loans on buildings.→
- How do I get out of a flood zone?If your building sits above the base flood elevation, you can ask FEMA for a Letter of Map Amendment (LOMA). FEMA reviews a LOMA for free. The main cost is usually the elevation data from a licensed surveyor or engineer. FEMA normally decides within 60 days of having everything.→
- Is it bad to buy a house in a flood zone?Not always, but it costs more and needs more homework. In a high-risk zone (A or V), most mortgages require flood insurance, priced on the home itself. Check the zone, the building's height and the flood history before you make an offer, not at closing.→
- Do flood zones change?Yes. FEMA updates flood maps when it restudies an area, and single properties can be changed by a FEMA letter. New maps go through a 90-day appeal period, and after FEMA's final letter they take effect six months later. FEMA offers free email notices about map updates.→
- How much does a flood certificate cost?A flood determination is a small, one-time fee per property. On a mortgage, the lender orders it and the fee shows up in your closing costs. Bought on your own, you pay for the official form and the company's guarantee that the zone is right.→
Check your zone.
One address, one price, the official answer.
Start with an address ↗