How To Find Your Property On FEMA’s Flood Insurance Rate Maps

What are FEMA flood maps?

FEMA’s Flood Insurance Rate Maps (FIRMs) or just Flood Maps are provided after a flood risk assessment has been completed or updated for a community.  This study is known as a Flood Insurance Study.  The FIRM gives you the Base Flood Elevations (BFEs) and insurance risk zones in addition to floodplain boundaries.  The FIRM may also show a delineation of the regulatory floodway.

Once the “insurance risk zone”  (commonly referred to as the flood zone) is determined, actuarial rates, based on these risk zones, are then applied for newly constructed, substantially approved, and substantially damaged buildings.  FEMA uses these rates to determine the insurance rate you will pay for flood insurance

FEMA’s Digital Flood Maps

FEMA discontinued the production and distribution of paper flood maps in 2009 as part of its Digital Vision Initiative. This affected all the Flood Maps, boundary information, and study reports. However, clients can still view the products for free through their website or buy them in digital format.

To view these flood maps online, go to FEMA’s Map Service Center and key in your address (hi-lited area shown here) search for your home.  This will prompt you to then select the map that covers your area.  The Flood Maps are somewhat cumbersome to use online. It is best to go through the tutorial on the bottom right of the address search page for an easier and more effective use of the GIS map.

author avatar
Surveyor

More Posts

White fence along a residential property line showing a common boundary issue where a house survey can prevent disputes
boundary surveying
Surveyor

Why Skipping a House Survey Leads to Property Disputes

Buying a home in Miami feels exciting. The weather, the neighborhoods, the lifestyle—it all moves fast. However, that speed is exactly where many buyers make one quiet mistake: skipping the house survey. At first, it seems harmless. The seller lived there for years. The fence looks straight. The driveway lines

Read More »
Aerial view of Miami’s coastal commercial properties showing flood risk conditions that highlight the need for an ALTA land survey
alta survey
Surveyor

ALTA Land Survey: Why FEMA Flood Updates Now Impact Deals

In Miami, real estate deals move fast. Buyers want quick closings. Sellers want clean contracts. Lenders want clear answers. However, when FEMA flood updates come into play, that speed can slow down very quickly. Over the past few days, renewed attention on FEMA flood changes has caused sudden shifts in

Read More »
Autonomous vehicle using lidar mapping to navigate a busy urban street
land surveying
Surveyor

Why LiDAR Mapping Is Critical for Autonomous Vehicles

Miami is entering a new stage of transportation. Autonomous vehicles are no longer just an idea. They are now being tested and introduced on city streets. While most people focus on the vehicles, the real foundation works quietly in the background. That foundation is LiDAR mapping, and it plays a

Read More »
Licensed professional conducting a boundary survey on a residential property to measure lot lines and confirm property boundaries
boundary surveying
Surveyor

Boundary Survey Costs: Why Quotes Can Differ

If you’ve started calling around for a boundary survey, you’ve probably noticed something confusing right away. One quote sounds reasonable. Another is much higher. Yet both surveyors say they’re offering the same service. So what’s going on? In Miami, boundary survey costs don’t follow a flat price list. Instead, they

Read More »
Commercial property exterior illustrating details confirmed through an ALTA land title survey
alta survey
Surveyor

What an ALTA Land Title Survey Really Confirms for Buyers

Commercial property in Miami often looks simple at first. You see a working parking lot, steady traffic, and buildings that have operated for years. Because of that, many buyers assume the legal side must be simple too. However, once a deal starts, questions begin to appear. What land is truly

Read More »
Two people reviewing property details next to surveying equipment during a due diligence survey before closing
boundary surveying
Surveyor

Due Diligence Survey: When “Looks Legit” Isn’t Proof

If you’re buying property, a due diligence survey can save you from the worst surprise: the one that shows up when you already feel locked in. The photos look great. The seller sounds confident. The paperwork looks clean. So you tell yourself, “This looks legit.” However, “looks legit” only describes

Read More »