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1. What is a flood zone?

Flood zones are land areas that the Federal Emergency Management Agency (FEMA) has defined according to different levels of flood risk. Everyone lives in a flood zone - it's just a question of whether you live in a low, moderate or high-risk area. To find out if your property is located in a high-risk flood zone, please visit

Flood Zone Assessment.

2. Can anyone buy flood insurance?

You can only purchase flood insurance through an insurance agent or an insurer participating in NFIP. You cannot buy it directly from the National Flood Insurance Program (NFIP). If your insurance agent does not sell flood insurance, you can contact the NFIP Referral Call Center at 1-800-427-4661 to request an agent referral. 

3. How do I buy flood insurance?

It is best if you can obtain flood insurance through the company that you have your homeowner's insurance with. However, you may find additional information about purchasing flood insurance by going directly to

How to Purchase Flood Insurance.

4. Who should buy flood insurance?

It's a good idea to buy flood insurance even if you live in a low- or moderate-risk area. Almost 25% of all flood insurance claims come from areas with minimal flood risk. You may qualify for the Preferred Risk Policy (a lower-cost flood insurance policy) that provides contents coverage for as little as $39 per year and building plus contents coverage for just over $112 a year. See FEMA Facts.

5. What causes flooding in High Point?

Flooding is a natural process that occurs in watersheds. You have probably experienced flooding to some degree if you live along large streams or bodies of water. However, it is still possible to experience flooding from small creeks and ditches. Occasionally, situations such as undersized or obstructed pipes can also cause flooding issues. High Point is currently working on several projects in order to improve flooding issues throughout the city. For more details please refer to the Stormwater Improvement Project section.

6. When does flooding usually occur in High Point?

Flooding in High Point is typically short lived. It usually occurs over a short period of time during heavy thunderstorms during the spring and summer months, although flooding has the potential to occur year-round. Please call 336-883-3455 for more information.

7. Can someone visit my property to explain possible ways to reduce potential flood damage?

Yes. If you would like to meet with a member of our staff to discuss your flooding situation, please call the City of High Point Customer Service Line at 336-883-3111.