Frequently Asked Question
Quick Answer
Not all of Pensacola is in a high-risk flood zone, and flood insurance is only required by lenders for federally-backed mortgages in Special Flood Hazard Areas. That said, flooding can happen in areas not mapped as high-risk — particularly during heavy rain events.
Not all of Pensacola is in a high-risk flood zone, and flood insurance is only required by lenders for federally-backed mortgages in Special Flood Hazard Areas. That said, flooding can happen in areas not mapped as high-risk — particularly during heavy rain events. Getting a flood zone determination early in your search, and discussing optional coverage with your broker, is always worth doing.
This answer is part of a longer article by Pam Heinold:
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