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Terms of Service

Effective July 8, 2026

These Terms of Service ("Terms") govern your use of My Flood Zone Report at myfloodzonereport.com and your purchase of the report we provide (official FEMA flood-zone reports for US property buyers and owners). By using this site or buying a report, you agree to these Terms.

1. What you are buying

My Flood Zone Report sells a one-time informational report for $29. The report reads FEMA's published flood-hazard data at the address you supply and presents the flood zone, whether the address sits in a Special Flood Hazard Area, the base flood elevation where available, and recent county disaster history, in plain English.

2. The report is an informational estimate, not professional advice

The report is provided for general informational purposes only. It is an estimate, not a professional service, and it is not, and must not be relied on as, professional, legal, financial, tax, engineering, real-estate, surveying, or insurance advice. It does not create any professional-client relationship. It is not an official flood determination, and it is not a substitute for a lender's flood determination, an Elevation Certificate, or a licensed surveyor. You are solely responsible for any decision you make, and you should consult an appropriately qualified professional, and confirm the zone at the FEMA Map Service Center and with your insurer or lender, before acting on anything in the report.

3. No warranty

The report and this site are provided "as is" and "as available", without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We draw on FEMA and other public data sources that may contain errors, gaps, or out-of-date figures, and FEMA flood-zone data can change when maps are revised, so we do not warrant that the report is accurate, complete, current, or fit for any particular purpose.

4. Limitation of liability

To the maximum extent permitted by law, My Flood Zone Report, its operators, and its suppliers will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, or goodwill, arising out of or related to your use of the site or the report. To the maximum extent permitted by law, our total aggregate liability for any claim arising out of or related to the report or these Terms will not exceed the amount you paid for the report ($29).

5. Refunds

Because the report is a digital product delivered immediately, refunds are provided for delivery failure, for example, if you paid but did not receive your report, or the report could not be generated for the address you supplied. If your report failed to arrive or cannot be produced, email [email protected] and we will re-deliver it or refund your purchase. If you believe a figure in your report is wrong, contact us and we will investigate and, where a delivery or generation fault is on our side, make it right.

6. Acceptable use

You agree not to: resell, republish, or redistribute the report as your own product; scrape, bulk-download, or systematically extract content from the site; attempt to disrupt, overload, or gain unauthorized access to the site or its infrastructure; or use the site or report for any unlawful purpose. The report is licensed to you for your own personal or internal use.

7. Intellectual property

The site, its design, its text, and the report format are owned by My Flood Zone Report and protected by intellectual-property laws. Underlying public data referenced in the report belongs to its respective sources, including FEMA. We grant you a limited, non-exclusive, non-transferable license to use the report you purchase for your own purposes.

8. Third-party services

Payments are processed by Stripe under Stripe's terms. Analytics are provided by Fathom Analytics. We are not responsible for the practices of third-party services, though we choose them with your privacy in mind (see our Privacy Policy).

9. Governing law

These Terms are governed by the laws of the United States and, to the extent applicable, the state in which the operator of My Flood Zone Report is established, without regard to conflict-of-laws rules. You agree that any dispute will be brought in the courts located there.

10. Changes to these Terms

We may update these Terms from time to time. When we do, we will revise the effective date above. Your continued use of the site after changes take effect constitutes acceptance of the revised Terms.

11. Contact

Questions about these Terms? Email [email protected].

Effective July 8, 2026. See our Privacy Policy and Accessibility Statement.