Realtor.com® Flood Risk Data Tool
Louisiana REALTORS • September 14, 2020
For REALTORS®, more knowledge is more power.
Realtor.com® recently released a new tool on its platform - an addition that enables you to see the flood risk of both for-sale and off-market properties. The tool combines data from the Federal Emergency Management Agency (FEMA) and the First Street Foundation's Flood Factor™
feature to produce a risk score ranging from 1 (minimal risk) to 10 (extreme risk) and an indication of whether that risk is increasing, decreasing or constant over the next 30 years.
This new tool allows REALTORS® to:
In addition, a graph shows the cumulative risk of flooding for a property over the typical 30-year period of ownership, along with the FEMA-categorized flood zone for the property, and whether flood insurance is required.
This information can be used by REALTORS® to provide additional context, guidance and insights to your buying and selling clients.
This new tool allows REALTORS® to:
- Make this risk an early part of the home search discussion.
- Enable buyers to factor this risk into their evaluation of a property.
- Incentivize owners to make necessary home improvements to mitigate flood risk.
- Help buyers and owners ensure they have adequate insurance coverage.
- Reduce the likelihood that a home sale is derailed by unexpected flood risk information late into a transaction.
Here's how the data from both sources (FEMA and Flood Factor™) will work together to help you as a trusted REALTOR®:
| Flood Factor™ | FEMA |
|---|---|
| Provides accurate, property-level flood risk information | Provides detailed, community-wide flood risk information |
| Incorporates current and future environmental changes | Maps the 100-year flood zone and indicates whether a property is "in or out" of this zone |
| Maps multiple flood zones and risk levels | Does not provide information specific to individual properties |
| Includes more flood scores, such as heavy rainfall | Based on site-specific, engineering studies, but limited to two risks (riverine and storm surge) |
| Nationwide coverage and updated quarterly | Used by community regulators, banks and lenders |
| Assesses historic flood patterns and projects future risk | Assesses historic flood patterns |
Check out these helpful NAR resources:
- Is My Home in a Flood Zone?
- Don't Fear Flood Data; Here's How It Helps Clients
- Pivot in Place (a 3-minute video of NAR's 2020 VP of Association Affairs discussing the new feature)
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