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Flood zone monitoring

Know when your home’s flood risk changes.

Your flood zone decides whether a mortgage lender requires flood insurance and what it costs. FEMA updates its maps from time to time, and homeowners often don’t hear about it until their insurance changes. We tell you when your zone changes, or when a new map that will change it is adopted, and give you a flood and FEMA report for your home.

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A residential street after rain, with the sky clearing over the homes

Why it’s worth it

What flood zone monitoring does for you

  • No surprises at renewal

    Hear about a flood map change before it takes effect, while there’s still time to plan for insurance.

  • Your risk in plain terms

    Your report shows FEMA’s risk ratings for your area, the flood insurance claims filed nearby and past disaster declarations.

  • Know when help opens up

    When FEMA declares a disaster for your county, we tell you, because that’s when federal help for homeowners becomes available.

What we watch

What flood zone monitoring covers

  • Your current flood zone

    The FEMA zone your home sits in today, and whether it’s a high-risk area (a “Special Flood Hazard Area”).

  • Map changes

    If an updated FEMA map moves your home into a different zone.

  • New maps on the way

    FEMA adopts new maps months before they take effect. If a pending map would change your zone, we tell you before it happens, with the date it takes effect.

  • Your flood and FEMA report

    FEMA’s risk ratings for your neighborhood (flooding, plus hazards like hurricanes, tornadoes and wildfire), the flood insurance claims filed nearby in the last 20 years, and every FEMA disaster declaration for your county. Print it or keep it on file.

  • New disaster declarations

    When FEMA declares a disaster or emergency for your county, we let you know. That’s when federal help for homeowners opens up.

How it works

Where the data comes from

Sources
  • FEMA’s National Flood Hazard Layer, including maps that have been adopted but are not yet in effect.
  • FEMA’s National Risk Index, scored by census tract.
  • OpenFEMA: disaster declarations and National Flood Insurance Program claims.
What an alert tells you
Your old zone and your new zone (or the pending one and when it takes effect), and whether the new zone is high-risk. For a disaster declaration: what FEMA declared, for which county, and when.
A person reviews every alert
A person on our team reviews every alert before it reaches you. Then we contact you by email, text or phone, whichever you choose, and you acknowledge it in your portal.

Good to know

  • A flood zone is about mapped risk, not a forecast. Homes outside high-risk zones can still flood.
  • Risk ratings and flood claims describe your census tract, not your house. Claims only come from insured homes, so they undercount flooding.
  • Some areas haven’t been mapped digitally by FEMA yet. If yours hasn’t, we’ll tell you.
  • We don’t sell insurance or give insurance advice.

Pricing

Buy it on its own, or add it on

On its own

Just flood zone monitoring for your home.

$2 /mo

or $20 a year

Buy on its own

Add it to title monitoring

Both services for the same home, on one checkout.

$9.50 /mo

or $95 a year

Add to title monitoring

Already a client?

Add flood zone monitoring to any home you already monitor with us, from your portal.

  • $2/mo or $20/yr
  • Same portal, same alert settings
  • Cancel anytime
Log in to add it

Prices per property. Want everything? The Ultimate package includes every service we offer for $15/mo.

Everything we offer

The Ultimate package

All of our monitoring and every report, for one home, at one price.

$15 /mo or $150/yr

Bought separately: $32/mo. You save $17 a month, or $170 a year on the yearly plan.

Get Ultimate yearly Get Ultimate monthly

Per property. Cancel anytime.

Questions about flood zone monitoring

What should I do if my zone changes?

Talk to your insurance agent, and to your lender if you have a mortgage. If a new map puts you in a high-risk zone, buying a policy before the map takes effect can sometimes lower the cost.

What’s in the flood report?

Your flood zone and map details; FEMA’s National Risk Index ratings for your census tract, for flooding and ten other natural hazards; how many flood insurance claims were filed from your tract in the last 20 years, by year and by named storm; and the FEMA disaster declarations for your county over the same period. It’s in your portal, ready to print.

Does a person really review every alert?

Yes. Nothing is sent to you until someone on our team has looked at it. Routine changes that don’t need your attention are cleared, and the rest come with a plain-English note.

Can I buy this on its own?

Yes. Flood Zone Monitoring is $2 a month or $20 a year per property, on its own or added to any of our other services. It’s also included in the Ultimate package.

I already have an account. How do I add it?

Log in to your portal, open your property, and add it there. It’s billed on its own monthly or yearly subscription, which you can cancel anytime.

Can I cancel?

Yes, anytime. If you’re not happy in your first 30 days, we’ll refund you in full.

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