If you are looking at a home in Des Plaines, floodplain research is worth doing early.
Because the Des Plaines River runs through the area, some properties may be located in or near a FEMA-designated floodplain.
The best way to check is to use the official FEMA Flood Map Service Center and search by exact property address.
What Is a 100-Year Floodplain?
A 100-year floodplain is also called a Special Flood Hazard Area.
It does not mean a flood only happens once every 100 years. It means the property has a 1% chance of flooding in any given year.
That may sound small, but over the life of a 30-year mortgage, the risk becomes much more meaningful.
Where to Check
Start with the FEMA Flood Map Service Center and enter the exact address.
You may see flood zone labels such as:
- Zone AE
- Zone A
- Zone X
Zones A and AE are typically considered higher-risk flood zones.
You can also contact the City of Des Plaines for local floodplain information. Local engineering or public works staff may be able to provide helpful context about a specific parcel or area.
Why This Matters Before You Buy
Floodplain status can affect:
- Insurance requirements
- Monthly housing costs
- Renovation plans
- Resale considerations
- Your comfort level with the property
If the home is near a floodplain, ask questions early so you understand the full picture before moving forward.
FAQ
What does it mean if a house is in a 100-year floodplain?
It means the property is in an area with a 1% annual chance of flooding.
Where can I find official flood maps for a home?
Use the FEMA Flood Map Service Center and search by exact address.
