Search FEMA Flood Maps By Address / Area

Real Estate Agent with Texas Urban Living Real Estate 0596165

FEMA has an online seach engine which allows the general public to search flood maps by address.  New home buyers who suspect their home may be in a flood zone may want to input their property address to see if the area was re-classified as a flood zone.  FEMA has recently re-drawn some flood maps in the Dallas metroplex area.  This has resulted in some areas being reclassified as flood zones that were not previously considered to be in flood zones. 

The FEMA online search engine is located at

Many mortgage lenders to not request a flood certification from FEMA until the underwriting process is nearly complete.  This can result in a buyer learning the home they are purchasing is in a flood zone at the last minute, which is a surprise that nobody likes to hear. 

Additionally, all mortgage lenders reserve the right to require a home owner to obtain flood insurance if their home is determined to be in a flood zone, even if this occurs months or even years after they purchased the home.  The price of flood insurance is set by the government since it is issued by FEMA directly via independent insurance agents.  The price varies based on the amount of coverage required, the various deductibles and also the type of flood zone. 

For a list of insurance agents that sell flood insurance in the D/FW area, click here.  Some, but not all, insurance agents require a home owner to purchase hazard insurance (fire, etc) in order to write a policy for flood insurance.  Most agents will also require a copy of the FEMA flood cert before they can provide an accurate insurance quote. 

Posted by

John Jones, Realtor(R)

Texas Urban Living Real Estate

5706 Greenville Ave Suite 210

Dallas, TX 75206

Dallas, TX Real Estate and surrounding areas of Richardson, Plano, Addison, Frisco, Carrollton, Farmers Branch, Garland, Allen, Irving, Rowlett, and Rockwall.

Dallas, TX neighborhoods and subdivisions of Lake Highlands, White Rock Lake, Lochwood, Eastwood, L Streets, M Streets, Hollywood Heights, Lakewood, Coronado and Gastonwood, Forest Hills, Lochwood, Eastwood, and Preston Hollow.

Copyright 2008-2013 by John Jones, All Rights Reserved.  You may reblog or republish with links back to this post. 





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Show All Comments
Dominick Dina
Christian Realty San Antonio - San Antonio, TX

Thanks John.  Bookmarked.

Never can have too much information.


Sep 21, 2009 08:03 PM #1
Richard Weeks
Waller Group - Dallas, TX
Realtor, Associate Broker - Manager Business Development


Great site to provide to a client.  Thanks for sharing.

Sep 22, 2009 05:09 AM #2
John Jones
Texas Urban Living Real Estate - Dallas, TX

thanks guys.  i'd highly recommend running any property though this search engine that is anywhere close to water, no matter how small.  Had a client close last week that was 100 yards away from a tiny creek and her home was rezoned into zone AE. 

Sep 22, 2009 11:14 PM #3
Russell & Tracy Lee Parker
RE/MAX Dallas Suburbs - Wylie, TX
Experienced Broker & Property Managers Since 2006

I had a client ask me this just the other day. Thanks for the website!

Oct 06, 2009 07:56 AM #4
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