# Flood zone

> 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.

By David Knorr, founder of BuyWise Home. Last reviewed October 28, 2026. Web page: https://www.buywisehome.com/guide/glossary/flood-zone

## 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](https://www.buywisehome.com/sample#flood).

## Related

- [Step 4: Tour homes](https://www.buywisehome.com/guide/tour-homes)
- [Homeowners insurance](https://www.buywisehome.com/guide/glossary/homeowners-insurance): Pays to repair your home after damage like fire or storms. Your lender requires it.
- [Home inspection](https://www.buywisehome.com/guide/glossary/home-inspection): A visual check of the home's condition by a professional inspector.

_General 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._