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Is your home in a flood zone?

Look up a Virginia or Florida address to view available FEMA flood-zone information without leaving Hoppy Insurance Agency.

    Choose a suggested address when available, or enter the complete address. Addresses are sent to public geocoding and mapping services; Hoppy Insurance Agency does not retain searches in this checker.

    Ready. Enter a Virginia or Florida address.

    Understanding common flood zones

    Zones A and AE

    High-risk flood hazard areas.

    Zones V and VE

    High-risk coastal flood areas with wave hazards.

    Zone X

    Moderate or minimal mapped risk depending on shaded status. Not zero risk.

    Flood-zone information disclaimer. This free informational lookup uses third-party address matching and FEMA flood-map data. Map boundaries, amendments, revisions and availability can change, sometimes without immediate reflection in the tool. The location can be approximate, especially near zone boundaries, and may not reflect the specific building, elevation or an applicable Letter of Map Change. Hoppy Insurance Agency does not independently certify or guarantee the accuracy, timeliness or completeness of these results. Do not rely on this tool alone for a lending, property-purchase or insurance decision. Obtain current official flood-map documents and any necessary determination from FEMA, your lender or a qualified provider. Coverage terms and requirements must be independently confirmed. This disclaimer does not waive rights or duties that cannot legally be waived.

    Questions about flood insurance?

    Hoppy Insurance Agency can help you review available flood coverage options in Virginia and Florida.

    Email us about flood insurance

    Prefer to talk? Call (804) 601-1171.

    Source: FEMA National Flood Hazard Layer and U.S. Census Bureau address data. Hoppy Insurance Agency is not affiliated with FEMA.

    Before you choose

    Questions? You’re in the right place.

    Flood zones can be confusing. Get clear answers about FEMA maps, flood risks and insurance requirements.

    Does Zone X mean my property cannot flood?

    No. Zone X generally indicates moderate or minimal mapped flood hazard, depending on the specific designation. Flooding can occur outside FEMA’s high-risk areas.

    Is flood insurance required in Zone AE?

    Zone AE is a Special Flood Hazard Area. Flood insurance is generally required for buildings in these areas when securing a loan from a federally regulated lender, but the specific requirement depends on the property and loan. Your lender makes the determination.

    Does homeowners insurance cover flooding?

    Most standard homeowners insurance policies exclude flood damage. Separate flood insurance may be available through the National Flood Insurance Program or private insurers, depending on eligibility.

    Can FEMA flood zones change?

    Yes. FEMA maps can be updated, revised or amended. This free lookup is informational and may not reflect the most current determination for a particular building. Consult FEMA or a qualified flood determination provider before relying on the result for lending or insurance requirements.

    Who can help me review flood insurance options?

    For questions about flood coverage in Virginia or Florida, contact Hoppy Insurance Agency.