Pensacola, Florida Flood Zones
Pensacola is vulnerable to Gulf of Mexico hurricane storm surge and heavy rainfall flooding. Pensacola Bay and the Escambia River create multiple flood pathways into the metropolitan area.
Common Flood Zones in Pensacola
Properties in Pensacola, FL are commonly designated in these FEMA flood zones:
Check Your Pensacola Address
Enter any Pensacola, FL address to instantly see its FEMA flood zone, risk level, and whether flood insurance is required.
Free Flood Zone LookupWhat Your Flood Zone Means in Pensacola
FEMA assigns flood zone designations to every property in the United States based on flood risk assessments. In Pensacola, the most common designations are Zone AE, Zone VE, Zone X.
Properties in Special Flood Hazard Areas (SFHAs) - zones starting with A or V - are required to carry flood insurance if they have a federally-backed mortgage. Properties in Zone X are outside the SFHA and flood insurance is typically optional but often recommended.
Flood zone designations can change over time through Letters of Map Amendment (LOMA) or Letters of Map Revision (LOMR). Use our free lookup tool to check the current flood zone for any Pensacola address.