Homeowners are often concerned with flood zones in Martin County, and rightfully so. Flooding is the most common natural disaster across the US, so knowing where the flood zones are and how you can be impacted is an important step for those looking to buy a home in Martin County Researching the flood zones is a critical step to see if you will be affected and how you can be prepared.
View Martin County Flood Zone Maps: http://mcgov.maps.arcgis.com/apps/webappviewer/index.html?id=4b72b96cb58c4e49bbb25ecb5313f681
FEMA puts out these flood zone maps to show the varying risk that real estate parcels have for flooding. While your Realtor can tell you what category your potential home may be in, your insurance agent can tell you what you will have to pay, if anything, for flood insurance coverage. Flood Zones in Martin County are broken down into these categories:
High Risk Coastal Areas
Zones V, VE, V1-V30: 1% or greater chance of flooding annually and potential for storm or natural disasters; 26% chance of flooding over 30 years.
High Risk Areas
Zones A, AE, A1-A30, AH, AO: 1% chance of flooding annually and 26% chance of flooding over 30 years.
Zone AR: temporarily increased risk due to construction or restoration of infrastructure.
Zone A99: 1% chance of flooding every year; protected by infrastructure (levee, dam, etc.).
Moderate to Low Risk (Zones B, C, X): Less than 1% chance of flooding every year.
Even if your home is not in a flood zone, you can carry flood insurance at very affordable rates. If you are in a moderate to high-risk flood zone in Martin County, your lender may require you have flood insurance coverage.