Flood zones and evacuation zones are different. A structure not in an evacuation zone may still be at risk for flooding. Residents are encouraged to learn if they live in a flood zone, evacuation zone, or both. 

Flood Zones

The Federal Emergency Management Agency (FEMA) maps flood zones for the National Flood Insurance Program. Zones are categorized by their risk for flooding and represented by letters on a map.

Flood Insurance Rate Maps (FIRM) will generally show a community’s base elevations and flood zones. These maps are continually being updated due to changes over time. To get an accurate determination to contact your insurance company or local floodplain manager. By law, all homes carrying a mortgage in a high-risk zone must be covered by flood insurance. 

Find My Flood Zone:

Interactive Flood Insurance Rate Map

For more information on Flood Zones in Dorchester County contact a local Floodplain Manager in the Dorchester County Building Services Department.

Flood Insurance

Flood losses are not usually covered by normal homeowner’s insurance policies. The National Flood Insurance Program makes federally backed flood insurance available to residents and business owners. Flood damage covered under the policy – whether or not a federal disaster declaration is made – will be reimbursed per the policy limits, which can include structural damage or the loss of contents.