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Flood Insurance Rate Map

What is a Flood Insurance Rate Map (FIRM) and how do I use it?


A FIRM is a flood map created by the Federal Emergency Management Agency (FEMA) used by the National Flood Insurance Program (NFIP) for floodplain management, mitigation, and insurance purposes. Digital versions of these maps are called DFIRMs.

A FIRM will generally show:

  • Roads and map land marks,
  • a community's base flood elevations,
  • flood zones, and
  • floodplain boundaries.

As a property owner, you can use a FIRM to get a reliable indication of what flood zone you're in. However, maps are constantly being updated due to changes in geography, construction and mitigation activities, and meteorological events. Therefore, for a truly accurate determination, contact your insurance agent, insurer, or your community floodplain manager. For more information about FIRMs, please visit the FEMA Map Service Center.

For questions about flood insurance, how to locate an insurance agent, or flood map related issues, please visit Floodsmart.gov

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Last Updated: 
Wed, 12/02/2015 - 12:44