FEMA flood map · address-level check

Is that address in a flood zone? The map answers in seconds. The insurance bill takes longer.

FEMA draws flood risk parcel by parcel on the National Flood Hazard Layer, and the zone letter on that map decides whether a lender will require flood insurance on the loan. Around Eagle Mountain, Lake Worth, and the creek-fed pockets of northwest Tarrant County, two lots on the same street can land in different zones. Run the exact address here against the live FEMA layer before you budget the payment.

Check an address
Street address, city, TX
Preliminary read of the FEMA National Flood Hazard Layer, not a flood determination. Lenders order a formal Flood Determination from a vendor before closing, and that document controls. Map panels change through Letters of Map Amendment and revisions. Estimates only, not financial, tax, or legal advice. I am a REALTOR®, not an insurance agent or lender.
The zone letters, translated
Zone X (unshaded)
Outside the mapped high-risk area. Lenders usually do not require flood insurance. Low risk is not no risk: a chunk of flood claims come from X zones, and coverage here is typically cheap.
Zone X (shaded)
The 0.2% annual chance band, between the 100-year and 500-year limits. Not required by lenders, but this is the zone where skipped coverage bites.
Zones A / AE / AO / AH
High-risk, the Special Flood Hazard Area. Flood insurance is required on federally backed loans for the life of the loan. AE means base flood elevations are published; A means they are not.
Zone VE
Coastal high-hazard with wave action. Rare in Tarrant County. Required insurance plus coastal construction standards.
Buying or selling near the water?

The zone letter is the easy part. Around Eagle Mountain and the lake-adjacent streets, the real questions are what the insurance actually costs on a specific house, and, if you are selling, how to answer the flood section of the Texas seller's disclosure honestly without scaring off a buyer who was never at risk. The disclosure asks about flood history and, as of the July 2026 form set, about flood insurance status too. Leave your info and I will pull the map read and the disclosure angle for the property you have in mind. No charge for the read.

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Licensed REALTOR® · Lic. 0845090 · Century 21 Alliance Properties · Broker: Roger Brandt II · IABS Notice · Consumer Protection Notice