06 Sep What to Know Before Buying a Home in a Flood Zone in St. Louis

Picture this: after months of house hunting in St. Louis, you finally find the one—four bedrooms, a big backyard, close to a lively neighborhood, and comfortably within budget. But then you learn the home may be in a flood-prone area. Suddenly, your dream home comes with a big question: is it worth the risk?

The truth is, flooding can happen anywhere. According to FEMA, 99% of U.S. counties experienced flooding between 1996 and 2019. With climate change driving more severe storms, understanding a property’s flood risk is critical before you buy.

Here’s what you need to know if you’re considering a home in a flood zone in St. Louis.

1. Review FEMA Flood Maps

The first step is checking FEMA’s Flood Map Service Center. By entering the property’s address, you’ll see whether the home is located in:

• Special Flood Hazard Area (SFHA): At least a 1% chance of flooding each year. Over a 30-year mortgage, that’s a one-in-four chance.
• Non-Special Flood Hazard Area (NSFHA): A lower-to-moderate risk zone, though still not risk-free.

Pro tip: Look this up before scheduling a showing—flood zones can affect price, mortgage approval, and insurance requirements.

2. Research the Home’s Flood History

Maps show risk, but the property’s history shows reality. Review the seller’s disclosure form for any signs of past water damage.

Keep in mind:

• Missouri has disclosure requirements, but sellers only have to report what they personally know.
• Flooding before their ownership may not appear on the disclosure.

For peace of mind:

• Ask directly if any insurance claims have been made for flooding.
• Talk with neighbors about past flooding events.
• Search local St. Louis news archives for reports of flooding in the neighborhood.

3. Factor in Flood Insurance

Standard homeowners insurance does not cover flood damage. If your home falls in a flood zone and you’re using a mortgage, separate flood insurance is often required.

Two main options are available:

• National Flood Insurance Program (NFIP): Government-backed coverage available in many St. Louis communities.
• Private flood insurance: An alternative if NFIP isn’t offered or if you want additional coverage.

The average NFIP policy costs about $995 annually. Since just an inch of water can cause $25,000 in damage, flood insurance is a smart investment—even outside high-risk zones.

4. Rely on Your Real Estate Agent’s Guidance

While your agent isn’t a floodplain expert, they can still guide you through:

• Understanding seller disclosures.
• Explaining what flood zone designations mean.
• Connecting you with insurance providers or floodplain managers.

5. Weigh the Pros and Cons of Buying in a Flood Zone

Like any major purchase, buying a home in a flood zone has advantages and disadvantages.

Pros:

• Homes in flood zones are often more affordable.
• Many are located near scenic rivers, lakes, or green spaces.

Cons:

• Higher insurance premiums.
• Increased risk of property damage.
• Possible resale challenges.

The key is balancing your comfort level with risk, your financial preparedness, and whether you’re willing to take proactive steps to protect your property.

Buying a home in a flood-prone area of St. Louis isn’t necessarily a dealbreaker, but it does require extra research and planning. From FEMA flood maps and seller disclosures to insurance costs, taking the time to investigate now can save you from costly surprises later.

If you’re ready to explore your options in St. Louis real estate, Hermann London Real Estate Group is here to help you make a confident, informed decision.