To find out what flood zone you live in, simply follow this online form. On this screen, enter your name, address and e-mail. Next, you will be asked to confirm your location. Then, you will see an explanation of your flood zone and be given an option to get an estimated cost of coverage on flood insurance.

You don't have to live near water to become a flood victim. In fact, everyone lives in a flood zone. It's just a matter of how likely it is that a flood will hit your home. And unfortunately, floods are the most common natural disaster.

Flood zones are rated based on the "100-year flood" or the "500-year flood." This is the standard used by most federal and state agencies, is used by the National Flood Insurance Program (NFIP) as the standard for floodplain management, and is used to determine the need for flood insurance.

The "100-year flood" zone means that the area's elevation has a 1% chance of being equaled or exceeded by flooding each year, or a 26% chance of suffering flood damage during the term of a 30-year mortgage.

The "500-year flood" zone means that the area has a lower risk of flooding. However, 25% of all flood insurance claims are from these areas.

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