06/11/2026
🌊 Buyer FAQ: Do you need flood insurance if a home isn’t directly on the water?
Not necessarily! Homes near rivers, marshes, ponds, and coastal areas can still fall within FEMA-designated flood zones, even if they’re not waterfront.
Whether flood insurance is required depends on the property’s location, flood zone, and your lender’s requirements, so it’s always worth checking before making an offer.
As someone who’s spent years helping buyers navigate our coastal communities, this is a question I get all the time—and one I’m always happy to help answer. 🏡