Does Zone X Require Flood Insurance? A Comprehensive Guide to Flood Insurance in Zone X

Flood insurance shields homeowners from financial losses due to floods.

In the United States, all properties in a Special Flood Hazard Area (SFHA) must have flood insurance.

However, areas like Zone X, outside the SFHA, are not obligated to carry flood insurance.

Does Zone X Require Flood Insurance?
[Photo: Kin Insurance]

Does Zone X require flood insurance?

No, Zone X doesn’t mandate flood insurance. Still, it’s a good idea to have it because floods can happen in this area.

According to the Federal Emergency Management Agency (FEMA), approximately 25% of flood insurance claims arise from properties in Zone X.

What is Flood Zone X?

Zone X is an area that has a 1% annual chance of flooding and a 25% chance of flooding over the life of a 30-year mortgage.

This means that Zone X is considered to be a low- to moderate-risk flood risk area.

How much does flood insurance cost in Zone X?

The cost of flood insurance in Zone X depends on factors like your property’s location, value, and the coverage amount you select.

Usually, flood insurance in Zone X is less expensive compared to other flood zones.

Does Zone X require flood insurance? How to Get Flood Insurance in Zone X

There are two ways to get flood insurance in Zone X:

  • Through your homeowners insurance company:┬áMany homeowners insurance companies offer flood insurance as an add-on policy.
  • Through the National Flood Insurance Program (NFIP):┬áThe NFIP is a government-sponsored program that provides flood insurance to homeowners and renters.

What are the benefits of flood insurance in Zone X?

While not mandatory, it’s advisable to have flood insurance in Zone X, and here are its benefits:

  1. Financial protection from flood damage: Flood insurance covers repair costs for your home and belongings damaged by floods, averting potential debt, as the average flood cost is $20,000.
  2. Peace of mind: Having financial protection in case of a flood provides peace of mind, especially in areas with a history of flooding.
  3. Increased property value: Flood insurance increases property value because potential buyers won’t have to bear repair costs if the property suffers flood damage.

In addition to these benefits, flood insurance can also:

  • Qualify you for government assistance: Having flood insurance makes you eligible for government aid in case of flood damage, covering repair costs, temporary housing, and other expenses.
  • Secure a lower mortgage rate: Some lenders offer reduced mortgage rates to those with flood insurance, as it lowers the risk of foreclosure due to flood damage.


While flood insurance is not required in Zone X, it is still recommended. Flood insurance can help you protect your home and belongings from financial damage if a flood does occur.

If you are considering purchasing flood insurance in Zone X, be sure to compare rates from different providers to find the best deal.

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