Flood risk in Aberdeen

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 Aberdeen area shows Zone AE, Zone A, Zone VE, Zone AO, Zone OPEN WATER alongside Zone X, which is the lower-risk designation.

Aberdeen includes Zone AO. That is shallow sheet flooding — water spreading across the surface rather than a river coming up. It is rated on depth rather than elevation, so the usual advice about elevation certificates does not apply the same way.

Aberdeen takes part in the National Flood Insurance Program but is not in the Community Rating System, so there is no community discount on flood premiums here.

Source: FEMA National Flood Hazard Layer; NFIP community 240041.

Whether your address needs flood cover at all comes down to which zone it sits in — and that is an address-level answer, not a town-level one.

Within 24 hours a licensed agent will email you back a competitive quote from our local office.

Not an automated estimate — David Igono reviews your details personally. Request a quote