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Home-Buying Checklist: Buying in a Flood Zone

Buying a home anywhere requires careful consideration; buying one in a flood zone requires you to consider additional factors. At South Carolina Federal Insurance Solutions, we encourage prospective homeowners to work through this convenient checklist when considering primary or vacation property in a flood zone.

Buying A House in a Flood Zone

First, find your zone on the FEMA Flood Map to determine whether the property you’re considering is in a flood zone. Zones are categorized as high risk, moderate risk, or minimal risk. It’s important to keep in mind that no location is risk-free. All homes face some risk of flood wherever they are located.

Remember to ask the selling agent how often the home floods and whether any previous damages have been repaired. Knowing how often the property has flooded in the past and how the damage was addressed will help you make an informed decision about the home.

Then, ensure your offer is contingent upon a satisfactory home inspection. Homes in high-risk zones may have experienced flooding before, and it’s important to confirm that any previous water damage was repaired according to industry standards before you purchase. If any unrepaired damage is identified, request that it be repaired and inspected by a professional before closing.

Finally, meet with your insurance agent who can help you find a policy that meets your needs as a homeowner. It’s important to understand that flood damage is not covered by most standard homeowners policies.

We Can Help!

The experienced team at Insurance Solutions is here to help you learn about insurance coverages to financially protect your new home. Contact us today to get started!

Servicing States

  • South Carolina
  • North Carolina
  • Georgia


Our Carriers

  • Allied
  • Allied Trust
  • ASI/Progressive
  • All Risks
  • Foremost
  • Liberty Mutual
  • Main Street/Old Dominion
  • National Flood Services
  • National General
  • National Security
  • Neptune Flood
  • Openly
  • Orion180
  • Progressive
  • Safeco/Liberty Mutual
  • Sagesure
  • Slide
  • The Hartford
  • Travelers
  • TypTap
  • Universal Property
  • Utica