Flood Zone Statement and Authorization - Washington 2025

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FEMAs low and moderate-risk flood zones those outside the SFHA are those that begin with the letters X, B, or C. Flood insurance is not required within these zones.
Consider buying a flood insurance policy to protect your home and your finances. What are the financial risks associated with flooding? FEMA says just an inch of water can cause more than $25,000 worth of damage. Without a flood policy, you would have to pay for repairs and replacements on your own.
The insurance company that issued your flood insurance policy will provide you with a declaration page which is a part of your annual policy contract. The declaration page is usually the first page and is an outline of your flood insurance policy that provides the information youll need at the time of a loss.
A Policy Declaration page is acceptable evidence of flood insurance.
Flood insurance is available to anyone living in one of the almost 23,000 participating NFIP communities. Homes and businesses in high-risk flood areas with mortgages from government-backed lenders are required to have flood insurance. For more information about whats covered and to find a policy visit FloodSmart.gov.

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Start by contacting your local floodplain manager. They often work for your citys or countys building, permitting, engineering or land use department. Ask them if there is an elevation certificate on file for your property.
If your property is located in a flood-prone area (a Special Flood Hazard Area), your lender will likely require you to have flood insurance. Even if you live in a minimal or moderate flood hazard area, you may still want to buy flood insurance.

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