Home insurance in San Juan, PR

San Juan has shallow-flooding zones that are rated differently from the rest. Here's what to check.

Flood risk in San Juan

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 San Juan area shows Zone AE, Zone VE, Zone A, Zone AO alongside Zone X, which is the lower-risk designation.

San Juan includes Zone AO. That is shallow sheet flooding — water spreading across the surface rather than a river coming up. It is rated on depth rather than elevation, so the usual advice about elevation certificates does not apply the same way.

Source: FEMA National Flood Hazard Layer.

More about insuring a home in San Juan

Flood riskHail, wind and your roofYour home rebuild costWhat a policy coversRV & motorhome

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