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Navigating the Waters: Understanding Special Flood Hazard Areas (SFHA) and the Impact of Map Changes

Living near water can be both serene and risky, especially if you find yourself residing in a Special Flood Hazard Area (SFHA). SFHAs are designated flood zones where the risk of flooding is higher due to factors like proximity to rivers, lakes, or coastal areas. If you currently live in or near an SFHA or if recent map changes have moved you into one, it's essential to grasp the implications and take necessary precautions to safeguard your property and loved ones.


What is a Special Flood Hazard Area (SFHA)? A Special Flood Hazard Area is an area with an increased risk of flooding, as identified by the Federal Emergency Management Agency (FEMA). These areas are typically associated with water bodies such as rivers, lakes, coastal areas, and other flood-prone regions. FEMA creates Flood Insurance Rate Maps (FIRMs) to delineate SFHAs and to help communities manage and mitigate flood risks.



Map Changes and SFHA Designations: Flood maps are dynamic, and FEMA periodically updates them to reflect changes in landscapes, hydrology, and other factors. If you've recently discovered that your property has been moved into an SFHA due to map changes, it's crucial to understand the implications for your home, insurance, and overall safety.


  1. Insurance Requirements:

  • Living in an SFHA typically means that your mortgage lender may require you to have flood insurance. This coverage is not included in standard homeowners' insurance policies and must be purchased separately. (Get a quote from 1st Direct)

  • Understanding the cost and coverage of flood insurance is essential. Premiums can vary based on factors such as the property's elevation, the building's structure, and the SFHA zone. 1st Direct can help you navigate the different costs and coverages to make sure you get the best option for what you need.

  1. Risk Awareness and Mitigation:

  • Being in an SFHA doesn't mean inevitable disaster, but it does indicate a higher likelihood of flooding. It's crucial to be aware of the specific risks associated with your area and take proactive measures to mitigate them.

  • Water can’t read the lines on a flood map. Even if your property is not located in a higher risk area, floods still happen outside of the SFHA’s. 1st Direct can provide you with the information that helps you provide the protection to best suit your needs.

  • Elevating your home, installing flood vents, and implementing proper landscaping techniques are among the measures that can help reduce flood risk and potential damage.

  1. Community Regulations and Building Codes:

  • Local building codes and regulations often change in response to updated flood maps. If your property is now within an SFHA, you may need to adhere to new construction standards that prioritize flood resilience.

  • Keeping abreast of these regulations and ensuring that your property complies with them is not only a legal requirement but also a proactive step toward safeguarding your investment.


While discovering that your property is now in an SFHA can be unsettling, it's an opportunity to take informed action to protect yourself and your home. Understanding the implications of living in an SFHA, obtaining flood insurance, and implementing mitigation measures are crucial steps to navigate these waters successfully. Stay informed, engage with your community's floodplain management efforts, and be proactive in securing your property against the forces of nature.


Contact 1st Direct to Discuss the Best Options to Protect You and Home



It is 1st Direct’s recommendation that any policy related decisions be thoroughly discussed and reviewed with a licensed insurance agent prior to changes or purchases taking effect.

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