Look up the FEMA flood zone for any US address. Zone AE/AO/A/VE = high risk (insurance required). Zone X = minimal. Full explainer + insurance cost estimates.
Enter any US residential address and Nestlyze returns the FEMA flood zone designation that property sits in — Zone X (minimal risk), Zone A (1% annual flood), Zone AE (1% annual + base flood elevation), Zone VE (coastal high-hazard with wave action), or Zone D (undetermined). The zone code drives whether your mortgage lender requires flood insurance ($800-$5,000/yr typical) and how much exposure the property has to climate-driven flood frequency changes over a 30-year hold.
Zones X / D do not require flood insurance under federal lending rules. Zones A / AE / VE do — and the cost spread between X-adjacent and VE-coastal can exceed $14,000/yr. Insurance non-renewal events (especially in California after recent fires and along the Gulf / Florida coasts after recent flood losses) are increasingly tied to zone designation plus structure-specific elevation. A property listed at the same nominal price as a non-flood-zone neighbor can have $400K+ of lifetime carrying-cost delta because of insurance alone.
This tool is free, no signup. For the FEMA zone plus a full Nestlyze report with insurance-cost estimates, wildfire severity, earthquake fault distance, and an AI buyer's verdict, build your buyer profile and get the complete analysis for your address.