Search the address on FEMA's Flood Map Service Center. Zones beginning with A or V are high-risk Special Flood Hazard Areas; X zones are moderate or minimal risk, but not no risk.
New homes in Florida are built to current codes, but the flood zone and the lot's elevation still decide your insurance cost and your risk. Here's how to check them before you sign.
Last updated November 6, 2026.
Search the address on FEMA's Flood Map Service Center. Zones beginning with A or V are high-risk Special Flood Hazard Areas; X zones are moderate or minimal risk, but not no risk.
A surveyor's form showing the elevation of the home relative to the base flood elevation. Ask the builder for it — it can affect flood insurance pricing.
Since October 1, 2024, Florida law (section 689.302, Florida Statutes) requires sellers of residential property to give buyers a flood disclosure covering known flood damage, flood insurance claims and federal flood assistance.
Lenders require it in high-risk zones, and it's worth pricing everywhere. Standard homeowners policies don't cover flood; flood insurance is a separate policy, often with a waiting period before it takes effect.
Yes. Dorota checks the flood zone and asks for the elevation certificate for the lots you're considering.
Tampa Bay community guides · Sarasota & Manatee guides · Builder guides · Verified builder incentives
FEMA's Flood Map Service Center (msc.fema.gov) shows the official flood zone for an address.
No. Flood insurance is a separate policy, required by lenders in high-risk zones.
Since October 1, 2024, section 689.302 of the Florida Statutes requires a flood disclosure for residential sales.