Flood risk in Plano

Flooding is not covered by a standard homeowners policy anywhere in the country — it is a separate policy. Whether you are required to carry it depends on the zone your address falls in.

FEMA's current mapping for the Plano area shows Zone AE alongside Zone X, which is the lower-risk designation.

Plano is in FEMA's Community Rating System at Class 7, which earns residents 15% off flood insurance in the high-risk zones. Most homeowners have never heard of this and it applies automatically.

Source: FEMA National Flood Hazard Layer; NFIP community 480140.

Plano earns a 15% community discount on flood premiums, and most people who qualify have never been told. Worth confirming you are getting it.

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