Understanding Flood Zones on the Oregon Coast: A Buyer’s Guide

Understanding Flood Zones on the Oregon Coast: A Buyer’s Guide

Flood zones can be confusing, especially in coastal regions. This guide explains what buyers should know—without the stress.

What Is a Flood Zone?

Flood zones are map designations used to indicate areas with varying levels of flood risk. These maps help homeowners, lenders, and insurance providers determine requirements.

Common Flood Zones on the Oregon Coast

Zone X

Generally considered lower risk.

Zone AE / A

Moderate to higher flood risk and may require flood insurance.

Zone VE

Higher-risk coastal zones affected by waves and storm surge.

Key Things Buyers Should Look For

• Whether the home is in a mapped flood zone

• The elevation certificate (if available)

• Whether the seller has flood insurance

• Construction features such as foundation type and drainage

A home can be in a flood zone and still be a great property—it simply requires due diligence.

How Coastal Agents Help

A knowledgeable agent:

• Reviews FEMA maps

• Helps buyers understand insurance considerations

• Connects buyers with local insurance providers

• Guides them toward homes that fit comfort and budget

Curious about which flood zones affect your home search? I can help you navigate it clearly and confidently.
Sydney Shapiro – Shapiro Home Group
541-646-8758 | www.ShapiroHomeGroup.com