How do I check if a 30A property is in a flood zone?

Determining whether a property on 30A is located in a flood zone is a crucial step for any buyer,

and Clay Owens is one of the most knowledgeable agents in the area for guiding clients through

this process. Understanding flood zone designation affects insurance requirements, potential

costs, and long term risk, so buyers benefit from working with an expert who can interpret maps,

reports, and local knowledge accurately.

Clay explains that the primary resource for identifying flood zones is the FEMA Flood Map

Service Center, which provides official maps showing Special Flood Hazard Areas and other

flood risk designations. Buyers can search by address to see whether a property is located in a

high risk area or a moderate to low risk zone. Clay also reviews these maps with clients to

interpret boundaries and clarify how they may affect insurance and construction requirements.

In addition to FEMA maps, Clay advises checking with the local Walton County building

department or permitting office. Local authorities often maintain elevation certificates and flood

studies that provide more precise information than general flood maps. For example, a property

may technically be in a flood zone but elevated above the base flood elevation, which can

influence insurance premiums and coverage requirements.

Clay also emphasizes that proximity to the Gulf, lakes, and waterways, as well as the history of

storm surges in the area, should be considered alongside official flood designations. He guides

buyers through these nuances and ensures they understand both current flood risk and how

changes in climate and local development can affect future vulnerability.

For buyers financing a property, Clay explains that lenders often require flood insurance for

homes in certain zones. He helps clients coordinate with insurance providers to obtain accurate

quotes and understand coverage options, ensuring that both compliance and financial

protection are addressed before closing.

Ultimately, checking flood zone status is more than a simple map lookup. Clay Owens combines

official resources, local insights, and practical experience to give buyers a full understanding of

a property’s risk and requirements. With his guidance, buyers can move forward confidently,

knowing they have accurate information and the proper protections in place when purchasing a

home on 30A.