![]() If your home is located in “Zone C”, your home is located outside of the 500-Year and the 100-Year floodplain. Though you are not required to purchase flood insurance, you may still be at risk for flood damage. If your home is located in a region marked “Zone B”, your home is located within the 500-Year Floodplain, and you may experience up to one foot of flooding during a 100-year storm. This indicates the height of the base flood (in feet). The dark shaded area will also have a corresponding elevation, indicated by “EL 9” or “EL 10”. If it is within the dark shaded region, your home is within the SFHA and flood insurance is required if you have a federally-backed mortgage. This will open a new tab or window with a copy of the most recent effective flood map, and you can discern your home’s flood zone based on the map. ![]() Click the button with the blue magnifying glass that reads “View Map”. You will be brought to a page that shows your property on a Locator Map and indicates the number and date of the most recent effective flood map. Upon clicking the link, type in your address and click the search button. You can see what flood zone you are in by clicking here: Flood maps created by FEMA take various factors into consideration (such as elevation and proximity to the water) in determining what areas are most vulnerable to floods for flood insurance purposes. Your risk of flood hazard is most easily discernible by its location on a Flood Map. ![]() Your flood insurance rate is based on a number of factors, but there are a number of steps that you can take to reduce your premium such as elevating your home or installing flood vents. The maximum amount of coverage for a single-family unit is $250,000, with coverage for contents up to $100,000. If you want insurance protection from flooding for your home, you will need to contact your insurance agent to find out what flood insurance policies are available to you. Flood insurance is recommended for all structures in a coastal community.ĭamage from flooding is not covered under your homeowner’s insurance policy. The entirety of the City is located in a flood zone, and some portions of the City are not protected by hardened shoreline defense structures such as bulkheads. Even if your residence is not located on or near to the water, your home may still be at risk for flooding. ![]() Under some circumstances, the combination of the three results in devastating flooding conditions such as those experienced during Superstorm Sandy. Ventnor experiences flooding from high tides, precipitation events, and storm surges. This gives Ventnor a special status as a bayfront and beachfront community but its not without obvious flood dangers. Ventnor is located on Absecon Island and is surrounded by water on all sides. What’s My Flood Hazard? How Do I Get Insurance? ![]()
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