Flood risk in Teays Valley

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 Teays Valley area shows Zone AE, Zone A alongside Zone X, which is the lower-risk designation.

PUTNAM COUNTY* is in FEMA's Community Rating System at Class 9, which earns residents 05% off flood insurance in the high-risk zones, through the county. Most homeowners have never heard of this and it applies automatically.

Source: FEMA National Flood Hazard Layer; NFIP community 540164.

Teays Valley earns a 05% community discount on flood premiums, and most people who qualify have never been told. Worth confirming you are getting it.

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