You fell in love with a house. The lender mentioned flood insurance. Type the address — FloodLens reads FEMA's flood maps and tells you the zone in plain English, free.
The zone letter is free, forever. The result is never paywalled.
Why FloodLens exists
One zone letter can mean thousands a year — and the map won't tell you which.
The same public data — decoded into dollars and next steps.
How it works
Sample report
Rendered samples from the 10-page PDF. Your report is built for the exact address you looked up.
High risk — insurance required with a federally backed mortgage.
Map effective: shown on every report · FEMA data checked at generation time
AE is a 1%-annual-chance (100-year) flood area with Base Flood Elevations determined. High-risk areas face at least a 1-in-4 chance of flooding during a 30-year mortgage.
$800–$2,000/year (estimate)
Scaled from published NFIP medians for a $250,000 building-coverage policy. Median ≈ $1,200 at that coverage; full-risk up to ~$1,750+.
Under FEMA's Risk Rating 2.0, zone is no longer the main pricing driver — distance to water, replacement cost, elevation, foundation, and claims history are. Premiums are property-specific.
Estimates, not quotes. Get a real quote at floodsmart.gov.
Pricing
Secure checkout · receipt by email (one-click unsubscribe)
For buyers comparing houses
FAQ
Yes — the FEMA zone letter, the plain-words risk level, and the data vintage are free, forever, with no account. We ask for your email so we can send the full breakdown (unsubscribe anytime, one click). The $19 report is the upgrade: a 10-page PDF that explains what the zone means in dollars and what to ask your agent.
Every lookup reads FEMA's National Flood Hazard Layer (NFHL) — the same public dataset behind FEMA's own Map Service Center. We never invent or interpolate a zone. If FEMA is temporarily unreachable, we say so and show the last checked data with its date — or nothing at all.
No. This is an informational lookup — not a certified flood zone determination, and not a replacement for the Standard Flood Hazard Determination Form (SFHDF) your lender or insurer requires. Boundaries are approximate, maps change over time, and recent map amendments may not be reflected yet.
Zone AE means high risk — insurance required with a federally backed mortgage. Typical NFIP cost for an AE property is roughly $800–$2,000/year (estimate, for a $250,000 building-coverage policy; median ≈ $1,200). Your actual premium is set by your insurer under FEMA's Risk Rating 2.0 and varies by property — get a real quote at floodsmart.gov.
We'll tell you honestly — "no FEMA flood data for this location" — instead of faking it, and point you to FEMA's Map Service Center. Areas labeled D are possible but undetermined flood hazard (unstudied); FEMA prices in the uncertainty.
Every email carries a one-click unsubscribe link, and you can always use our unsubscribe page. One click, no login, no maze.
FloodLens is built by Mehyar Soft LLC. Questions: info@mehyar.us.