UNDERSTAND THE PROPERTY
Start with the address.
Understand the water.
Flood risk is a property question. Explore the guide for your side of the river, then check the specific address using FEMA’s official maps.
Southern Indiana.
Explore the Indiana guide, local resources, and questions to raise before buying a property.
Read the Indiana guide →02 / KENTUCKYLouisville & Kentucky.
Explore the Kentucky guide and resources for understanding a particular property’s flood exposure.
Read the Kentucky guide →What the guides cover.
Both guides explain FEMA flood zone categories, the difference between mapped risk and actual flood risk, how flood insurance fits into a purchase, and how to check a specific property before you make an offer.
The Indiana guide covers Clark, Floyd and Harrison County, including where flooding happens in Southern Indiana and Indiana seller disclosures. The Kentucky guide covers Jefferson and Oldham County, including the Local Regulatory Floodplain, compensatory storage rules and creek flooding miles from the river.
Use the official map as a starting point.
The FEMA Flood Map Service Center provides official flood hazard information. Search an address and review the available map information. A neighborhood description does not establish the flood risk of an individual parcel.
Bring the property’s information to your lender and insurance professional. Tina can help you organize questions about the home and the next steps in your purchase.