IS YOUR PROPERTY IN A SPECIAL FLOOD HAZARD AREA?


To find out what flood zone your property is in, please use the FEMA link below:

FEMA

  • Fill out your address in the upper left hand corner.
  • Click the view botton and locate your property on the map.
  • Determine what zone your property is located in. If your property is in Zone A, your lender will require you to provide flood insureance.

If you need further assistance in reading the map, please contact Daniel Hsieh at (714) 548-3466 or Harry Tran at (714) 548-3465.

*ZONE A: special flood hazard area subject to inundation by the 1% annual chance flood event.

 

WHAT ARE THE ODDS OF
BEING FLOODED? 

The term “100-year flood” has caused much confusion of people not familiar with statistics. Another way to look at flood risk is to think of the odds that a 100-year flood will happen sometime during the life of a 30-year mortgage-a 26% chance for a structure located in the SHA.

Chance of Flooding over a Period of Years       

Time Period

Flood Size

10-year

25-year

50-year

100-year

 

1 year

 

10%

 

4%

 

2%

 

1%

10 years

65%

34%

18%

10%

20 years

88%

56%

33%

18%

30 years

96%

71%

45%

26%

50 years

99%

87%

64%

39%

Even these numbers do not convey the true flood risk because they focus on the larger, less frequent, floods. If a house is low enough, it may be subject to the 10 or 25-year flood. Suring a 30-year mortgage, it may have a 26% chance of being hit by the 100-year flood, but the odd are 96% (nearly guaranteed) that it will be hit by a 10-year flood. Compare those odds to the only 1-2% chance that the house will catch fire during the same 30-year mortgage.