Flood Zone

What is a flood zone?

As the name suggests, a flood zone is an area of land that is prone to high water levels. These zones are determined by factors such as proximity to bodies of water, historical flood data, and topography. 

How do I check if an area is considered a flood zone? 

To check whether an area is considered a flood zone, online government resources allow you to check flood zone information for free. In NSW for example, the NSW State of Emergency Service (SES), is a handy resource that provides an interactive flood map that can inform you of the potential risk. 

Do insurance companies cover flood damage to your property? 

It's crucial to assess whether your property is located in a flood risk zone before purchasing home and contents insurance. Living in a flood zone can indeed impact your insurance premiums, as properties in high-risk areas may face higher insurance costs due to the increased likelihood of flood-related damage. Moreover, some insurance providers may even consider properties in certain flood-prone zones ineligible for flood coverage altogether.