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How to read a FEMA flood map

Start with the correct effective panel, then locate the building and read the zone, elevation and legend together.

Confirm the panel and date

Find the FIRM panel number and effective date in the title block. Preliminary maps show proposed changes and are not automatically the effective regulatory map.

Locate the building

Use roads and other landmarks to locate the actual building. An address marker is only approximate. If a building crosses a zone boundary, the higher hazard designation can apply to the whole building.

Read the legend

Identify the zone, any floodway, base flood elevations or depths, and special annotations. Download an official FIRMette from FEMA’s Map Service Center for a map excerpt.