Flood zone

In plain English

An area that federal flood maps show as having a higher chance of flooding. If the home is in a high-risk zone and you have a mortgage, your lender will require flood insurance.

Why it matters to you

Flood insurance adds to your monthly cost, and standard homeowners insurance doesn't cover floods. Homes outside mapped zones flood too, so check the risk for the lot itself. See the flood check on a real home.

infoGeneral information based on the standard Georgia REALTORS® purchase contract and public guidance. Your own contract decides: read it, and ask your agent or closing attorney about anything that matters. Not legal or financial advice.